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MONEY TOOLS · 29

Financial calculators

Move the sliders and the answer, chart and year-by-year table update instantly. Every calculator shows the formula it uses.

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Use our calculators offline and online

Install the app once and open any of our 29 calculators in one tap, anytime, anywhere. It works without internet, and rates update on their own when you are online.

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INVESTING

Grow money in mutual funds and markets

SIP CalculatorFind what a monthly SIP grows to, how much of it is your money and how much is returns, with a year-by-year growth chart.Open Step-up SIP CalculatorSee how raising your SIP a little every year (as your salary grows) changes the final corpus compared with a flat SIP.Open Lumpsum CalculatorWhat a one-time investment grows to at a given annual return.Open SWP CalculatorPlan a systematic withdrawal: how long your corpus lasts and what is left at the end.Open CAGR CalculatorCompound annual growth rate: the steady yearly return that turns the starting value into the final value.Open Goal PlannerChild education, a house, a car: find the monthly SIP or the one-time amount you need today, after inflation.Open Retirement CalculatorHow big a retirement corpus you need, and the monthly SIP that gets you there.Open Inflation CalculatorWhat today's money will cost in the future, and what it will be worth.Open

SAVING & RETIREMENT

Bank deposits, PF and government schemes

FD CalculatorMaturity value and interest earned on a fixed deposit, with quarterly compounding as most Indian banks use.Open RD CalculatorMaturity of a monthly recurring deposit with quarterly compounding.Open PPF CalculatorPublic Provident Fund maturity at the current rate. PPF runs 15 years and can be extended in 5-year blocks; interest is tax-free.Open NPS CalculatorNational Pension System corpus at your exit age, the tax-free lump sum, the monthly pension, the tax on it and its value in today's money.Open EPF CalculatorYour Employees' Provident Fund at retirement from your and your employer's monthly contributions.Open Sukanya Samriddhi CalculatorMaturity value of a Sukanya Samriddhi account: deposits for 15 years, maturity after 21 years, all tax-free.Open Gratuity CalculatorGratuity due after five or more years with one employer, and how much of it is tax-free.Open

LOANS

EMIs, eligibility and the real cost of borrowing

Home Loan EMIMonthly EMI on a home loan, total interest and the year-by-year split of principal and interest.Open Car Loan EMIEMI after your down payment, the total interest and what the car really costs you.Open Personal Loan EMIEMI on a personal loan, with the processing fee added to show the real cost.Open EMI CalculatorEquated monthly instalment for any loan, with total interest and a principal-vs-interest chart.Open Loan Eligibility CalculatorThe largest loan you are likely to get from your income, existing EMIs, credit-card dues, co-applicant, age-based maximum tenure, credit score and (for a home) the RBI loan-to-value limit.Open

TAX

Income tax, capital gains, GST and HRA

Income Tax CalculatorCompare tax under the new and the old regime side by side for Tax Year 2026-27 (Income-tax Act 2025) or FY 2025-26 (1961 Act): age, NRI status, HRA worked out for you, rent, interest, dividends and equity gains, every surcharge tier with marginal relief, and 4% cess.Open Capital Gains Tax CalculatorShort or long term from the real buy and sell dates, the right rate before and after 23 July 2024, grandfathering for shares bought before 2018, debt funds after April 2023, property indexation choice, buybacks (taxed as capital gains from 1 April 2026), loss set-off and carry-forward, surcharge and cess.Open Crypto Tax CalculatorTax on crypto in India trade by trade: 30% plus cess on every profit, no set-off for any loss (not even against other crypto), fees not deductible, and 1% TDS credited to show what you still pay or get back.Open GST CalculatorAdd GST to a price or take it out of a GST-inclusive price, with the CGST and SGST split.Open HRA Exemption CalculatorHow much of your house rent allowance is exempt from tax under the old regime.Open

TRADING & MARKETS

Charges, averaging, position size and gold

Brokerage & Charges CalculatorEvery charge on an NSE, BSE, MCX or currency trade (delivery, intraday, futures, options and exercised options), with broker presets, the new STT rates from 1 April 2026, DP charges, your net profit and the exact price you need to break even.Open Stock Average CalculatorYour new average price after buying more shares, and how many you need to buy to bring the average down to a target.Open Position Size & Risk-RewardThe right quantity for a trade so that hitting your stop loss costs only the risk you chose, plus the risk-to-reward ratio.Open Gold Price CalculatorPrice of gold jewellery or coins: gold value by purity, making charges and 3% GST. The rate starts from today's live price.Open