About These Financial Calculators
These calculators cover every major financial decision an Indian investor, salaried employee, or borrower needs to make — from planning monthly SIP investments and computing home loan EMIs, to estimating income tax liability under both old and new regimes, calculating PPF and EPF maturity, and comparing investment options like FD vs debt funds or SIP vs lumpsum. All calculators use RBI-published formulas and SEBI-standard calculations, updated for FY 2025-26.
Most Popular Calculators
- SIP Calculator: Systematic Investment Plan returns with inflation adjustment, tax estimates, and live growth charts
- EMI Calculator: Monthly EMI, total interest payable, and full amortization schedule for any loan
- Income Tax Calculator: Old vs new regime comparison for FY 2025-26 with all major deductions
- PPF Calculator: Public Provident Fund maturity at 7.1% compounded annually with year-wise breakdown
- FD Calculator: Fixed Deposit returns with quarterly, monthly, and cumulative compounding options
- GST Calculator: Add or reverse GST at 5%, 12%, 18%, or 28% in one click
- NPS Calculator: National Pension System corpus, annuity, and monthly pension projections
- EPF Calculator: Employee Provident Fund maturity with employer contributions and interest accrual
Frequently Asked Questions
How is SIP return calculated?
Each SIP instalment earns compound interest from its investment date to the maturity date. The formula is FV = P × [(1 + r)^n − 1] / r × (1 + r), where P is monthly investment, r is monthly rate (annual CAGR ÷ 12), and n is number of instalments. Our SIP Calculator applies this to every instalment and sums the results, and also shows an inflation-adjusted real return.
How is EMI calculated in India?
EMI = [P × r × (1 + r)^n] / [(1 + r)^n − 1]. For a ₹10 lakh loan at 9% p.a. for 5 years: monthly rate r = 0.75%, n = 60, EMI = ₹20,758. Total interest paid = ₹2.45 lakh. Our EMI Calculator generates a full month-by-month amortization table.
What is the income tax slab for FY 2025-26?
Under the new tax regime: nil up to ₹3 lakh; 5% for ₹3–7 lakh; 10% for ₹7–10 lakh; 15% for ₹10–12 lakh; 20% for ₹12–15 lakh; 30% above ₹15 lakh. Section 87A rebate makes income up to ₹7 lakh effectively tax-free. The Income Tax Calculator compares old and new regime side by side.
What is the current PPF interest rate?
PPF rate is 7.1% p.a. for FY 2025-26, compounded annually. Maximum annual investment: ₹1.5 lakh. Lock-in: 15 years, with partial withdrawals allowed from year 7. The PPF Calculator shows year-wise interest and balance for the full tenure.
What is GST and how is it calculated?
GST Amount = Original Price × Rate ÷ 100. To reverse: Original = GST-Inclusive ÷ (1 + Rate ÷ 100). Common rates: 5% (essential goods), 12%, 18% (most services), 28% (luxury goods). Use the GST Calculator to add or extract GST instantly for any rate.