Money calculators

32 free tools for loans, savings, tax, salary, GST and everyday sums, built on current Indian rules and official rates. Each one shows its formula and a worked example.

Loans

EMI calculatorMonthly instalment, total interest and repayment schedule for any loan.Home loan EMIEMI, interest over 20 to 30 years, and the tax benefit in the old regime.Car loan EMIEMI for new and used car loans over 1 to 7 years.Personal loan EMIEMI and total cost of an unsecured personal loan.Simple interestInterest on the original amount only, for informal loans and short deposits.Compound interestHow interest on interest grows money, compounded yearly to daily.

Savings and investing

SIP calculatorFuture value of a monthly mutual fund SIP, with optional yearly step-up.Lumpsum calculatorGrowth of a one-time investment over the years.SWP calculatorHow long a corpus lasts with fixed monthly withdrawals.FD calculatorMaturity value of a bank fixed deposit with quarterly compounding.RD calculatorMaturity value of a bank recurring deposit.Post office RDMaturity of the 5-year India Post recurring deposit at the current rate.PPF calculatorPublic Provident Fund maturity over 15 years at the current rate.Sukanya SamriddhiMaturity of a Sukanya Samriddhi account for a girl child.NPS calculatorCorpus at 60, lump sum and monthly pension from the National Pension System.CAGR calculatorYearly growth rate between a start and end value.Inflation calculatorWhat today's costs will be in future, and what your money will buy.Post office interest ratesThis quarter's government rates for PPF, SSY, SCSS, NSC, KVP, MIS, RD and TD.

Tax and salary

Income tax calculatorTax for FY 2026-27 under the new and old regimes, side by side.In-hand salaryMonthly take-home pay from your CTC after PF and tax.HRA calculatorHow much of your house rent allowance is tax-free.EPF calculatorProvident fund balance at retirement at the current EPF rate.Gratuity calculatorGratuity due under the Payment of Gratuity Act.

GST and business

GST calculatorAdd or remove GST at 5%, 18% or 40%, with the CGST and SGST split.GST number checkerCheck a GSTIN's format and check digit, and see the state codes.PAN format checkerCheck a PAN's structure and see what the 4th letter means.MICR code lookupFind the bank branch behind the 9-digit MICR code on a cheque.

Everyday

Age calculatorExact age in years, months and days, plus key money milestones.Amount in wordsWrite any rupee amount in words for cheques and invoices.Percentage calculatorPercent of a number, percent change and what percent one number is of another.Date calculatorDays between dates, weekdays, and adding or subtracting days.Lakh and crore converterConvert between lakh, crore, million and billion.