Financial calculators that show the actual maths
See your real take-home pay, compare tax regimes, and plan loans and SIPs with Indian rules built in. Free, runs in your browser, nothing saved, no signup.
Popular Financial Calculators
Our most-used tools for instant tax savings, SIP projections, and loan calculations.
Salary Calculator (In-Hand Take Home Salary)
Calculate monthly in-hand cash take-home pay from CTC after EPF, Gratuity, Professional Tax, and Income Tax deductions.
New Tax Regime Income Tax Calculator
Calculate income tax under New Tax Regime slabs with standard deduction and employer NPS exemptions.
National Savings Certificate (NSC) Calculator
Calculate 5-year post office 7.7% p.a. compounded returns and Section 80C tax deduction
EPF Calculator (Employees' Provident Fund)
Calculate 8.25% p.a. employee + employer EPFO provident fund accumulation and VPF interest until retirement
Interest-Free Home Loan Calculator
Make your home loan effectively interest-free by running a parallel SIP.
US Stocks, RSUs & ESPP Tax Calculator (India)
Calculate perquisite tax on vesting, 12.5% foreign LTCG / slab STCG on sale, forex gains, and Schedule FA compliance for US equities.
Indian Financial Policy, Tax Directives & Market Research
Cold mathematical breakdowns of gazetted tax notifications, RBI repo rate monetary policy, and multi-decade wealth compounding dynamics.
New Tax Regime Slabs (Section 115BAC): ₹12.75L Zero-Tax Threshold
With the increased Standard Deduction of ₹75,000 and Section 87A rebate, salaried employees earning up to ₹12.75 Lakhs pay ₹0 net income tax. Over 82% of Indian professionals now save substantially compared to itemized Old Regime deductions.
RBI Mandate: Zero Prepayment Penalties on All Floating Rate Loans
Under RBI Directions, commercial banks and HFCs cannot levy foreclosure fees or lock-in periods on floating retail home loans. A disciplined prepayment of 1 extra EMI annually cuts a 20-year mortgage by 4.5 years and saves over ₹16.8 Lakhs in interest.
Rent vs Buy in Bengaluru, Mumbai & Gurgaon: The 2.8% Yield Trap
With residential rental yields averaging 2.8% against 8.5% mortgage borrowing rates, buyers experience a 5.7% annual negative carry. Renting while channeling the EMI differential into a 12% diversified index SIP creates ₹2.65 Crore more liquid net worth.
12.5% Equity LTCG & Systematic Tax-Loss Harvesting Strategy
Following the Budget shift to 12.5% LTCG on equity mutual funds, investors can utilize the ₹1.25 Lakh annual tax-free threshold every March to reset their cost of acquisition, compounding substantial long-term tax alpha over decades.
Income Tax & Salary Calculators
Calculate income tax liability for FY 2026-27 (AY 2027-28), compare Old vs New Tax Regime, optimize 44ADA freelance tax, and calculate monthly take-home CTC salary.
New Tax Regime Income Tax Calculator
Calculate income tax under New Tax Regime slabs with standard deduction and employer NPS exemptions.
CTC Calculator (Cost to Company to In-Hand)
Convert annual Cost to Company (CTC) into exact monthly take-home salary, gross pay, employer retirals, and tax deductions.
Old vs New Tax Regime Calculator
Compare income tax liability side-by-side under Old vs New Regime to see exact tax savings.
Old vs New Tax Regime Break-Even Calculator
Find the exact total tax deductions (80C, 80D, HRA, Home Loan) required for the Old Regime to beat the New Tax Regime for your CTC.
US Stocks, RSUs & ESPP Tax Calculator (India)
Calculate perquisite tax on vesting, 12.5% foreign LTCG / slab STCG on sale, forex gains, and Schedule FA compliance for US equities.
View All 17 Tax Calculators
Explore all 17 specialized calculators in this category.
Investment & Wealth Calculators
Plan mutual fund SIPs, step-up investments, compounding growth, CAGR returns, and retirement SWP withdrawals with realistic Indian return rates.
SIP Calculator
For mutual funds
Step-Up SIP Calculator
Calculate how annually increasing your SIP contribution by 5%–15% accelerates your long-term mutual fund wealth creation
Lumpsum Mutual Fund Calculator
Calculate compound growth and future maturity value for one-time lumpsum investments in equity or debt mutual funds
Compound Interest Calculator
Calculate power of compound interest across daily, monthly, quarterly, and annual compounding frequencies
SWP (Systematic Withdrawal Plan) Calculator
Calculate monthly retirement income from your mutual fund corpus with inflation adjustments.
View All 11 Investment Calculators
Explore all 11 specialized calculators in this category.
Loan & Real Estate Calculators
Calculate monthly home loan EMIs, interest-free SIP strategies, Rent vs Buy comparison, prepayment savings, and home loan eligibility.
EMI Calculator
Calculate monthly loan EMI, total interest payable, and annual amortization schedule for home, car, and personal loans
Rent vs Buy Home Calculator
Compare buying a home with a home loan vs renting and investing down payment & monthly savings in equity SIPs in India.
Interest-Free Home Loan Calculator
Make your home loan effectively interest-free by running a parallel SIP.
Home Loan Prepayment vs SIP Calculator
Compare whether you should prepay your home loan early or invest your monthly surplus cash in Equity Mutual Fund SIPs.
Loan Prepayment & EMI Reduction Calculator
Compare reducing monthly EMI vs reducing total loan tenure when prepaying your home loan or personal loan
View All 11 Loan Calculators
Explore all 11 specialized calculators in this category.
Government & Post Office Schemes
Calculate guaranteed returns and tax benefits under PPF, NPS, EPF, Sukanya Samriddhi (SSY), Kisan Vikas Patra (KVP), POMIS, and SCSS.
PPF Calculator (Public Provident Fund)
Calculate guaranteed tax-free 7.1% p.a. returns, 15-year maturity value, and Section 80C tax savings under the EEE tax model
National Pension System (NPS) Calculator
Calculate monthly pension, 60% tax-free lump sum withdrawal at age 60, and Section 80CCD(1B) extra ₹50,000 tax deduction
Atal Pension Yojana (APY) Calculator
Calculate monthly premium contributions to secure guaranteed lifetime monthly pension of ₹1,000 to ₹5,000 at age 60
EPF Calculator (Employees' Provident Fund)
Calculate 8.25% p.a. employee + employer EPFO provident fund accumulation and VPF interest until retirement
Sukanya Samriddhi Yojana (SSY) Calculator
Calculate government-backed 8.2% p.a. tax-free returns for your daughter's higher education and marriage goals
View All 12 Govt Scheme Calculators
Explore all 12 specialized calculators in this category.
Business & Commercial Finance Tools
Compute GST splits, profit margins, break-even unit volumes, working capital liquidity, startup burn rate, and DSCR coverage for SMEs.
GST Calculator
Add or remove GST at 5%, 18%, or 40%. Get the CGST/SGST split for intrastate or IGST for interstate transactions.
Profit Margin Calculator
Compute gross, operating, and net margin from a one-page income statement. Standard profitability metrics for any business.
Break-Even Calculator
The exact unit volume at which your revenue equals total cost — every unit beyond is profit.
Working Capital Calculator
Short-term liquidity health from your balance sheet — current ratio, quick ratio, and cash conversion cycle.
Startup Burn Rate & Cash Runway Calculator
Calculate monthly Gross Burn, Net Burn, and financial Cash Runway in months before cash zero for Indian startups & SMEs
View All 9 Business Calculators
Explore all 9 specialized calculators in this category.
Calculators you won't find on other sites
Most calculator sites stop at EMI and SIP. These model the decisions Indians actually agonise over — and show the full working so you can check the maths yourself.
Interest-Free Home Loan (Overdraft vs SIP)
Park surplus in an SBI MaxGain-style overdraft or run a parallel SIP? See which one actually cancels your ₹40L interest bill, month by month.
Try itHome Loan Prepayment vs SIP
Prepay the loan or invest the same rupee? Compares guaranteed interest saved against uncertain equity returns, after tax.
Try itOld vs New Regime Break-Even
Not which regime wins — the exact rupee of deductions at which the old regime starts beating the new one for your CTC.
Try itSalary + Capital Gains (ITR-3)
The only calculator that taxes salary and capital gains together, applying surcharge, marginal relief and the 87A exclusion on special-rate income.
Try itLIC Surrender vs Mutual Fund
Work out the guaranteed and special surrender value of an endowment policy, its real IRR, and whether switching still wins after the loss.
Try itThe Cost of Delaying a SIP
What five years of 'I'll start next year' actually costs in compounding — and the catch-up SIP needed to recover it.
Try itVisual Financial Stories & 3D Comics
Learn complex Indian taxes, CTC salary deductions, and compounding math through engaging 3D visual graphic stories.
Salary RealityThe ₹15 Lakh CTC Illusion
Why a ₹15L annual CTC results in only ~₹88,500 monthly take-home. EPF, Gratuity, and TDS deductions.
Compounding AlphaThe ₹72L Cost of Waiting in SIP
Priya started at 22, Rohan waited till 27. See why 5 years of delay cost ₹72 Lakhs in compounding.
Rent vs BuyThe ₹50 Lakh Down Payment Dilemma
₹1 Cr flat with ₹80k EMI vs renting + investing the difference in equity SIP over 20 years.
Financial Guides & Tax Insights
In-depth articles, real math strategies, and expert guides written for Indian taxpayers.
SIP vs FD: Which Is Better for Long-Term Wealth in 2026? (Post-Tax Math)
Does the safety of Bank FDs protect your savings, or does annual slab taxation and 6% inflation silently erode your purchasing power? We ran the exact post-tax numbers.
SIP vs PPF: 15-Year Wealth & Tax Breakdown (EEE vs 12.5% LTCG)
Is the 100% tax-free EEE status and sovereign guarantee of PPF worth sacrificing the higher compounding wealth of an Equity SIP? We broke down the 15-year numbers.
The 20/4/10 Rule for Buying a Car in India: Why That ₹18L SUV Costs ₹35 Lakhs
Earning ₹20 LPA and thinking of buying an ₹18 Lakh SUV on a 7-year loan? Discover why bank sales reps push 84-month tenures, the 20/4/10 financial rule, and how car depreciation drains your wealth.
Why people use this site
Nothing leaves your browser
Every calculation runs on your own device. We don't store your salary, your loan, or anything else you type. No signup, no account.
Built on Indian rules
Tax slabs, EPF and gratuity rules, LTCG, and post office scheme rates — updated for FY 2026-27, with the formula and the source shown on every page.
More than calculators
Free money lessons for school kids and for people starting their first job, in English and Hindi. Long-form guides and an open REST API too, currently in English.
Latest Updates
- • No change in income tax slabs for FY 2026-27 (same as FY 2025-26)
- • New Income Tax Act 2025 implemented from April 1, 2026 (simplified law)
- • Zero tax liability up to ₹12 lakh income under new regime (via ₹60,000 rebate)
- • Standard deduction of ₹75,000 continues under new tax regime
- • Simplified ITR forms & compliance (new forms like Form 130 replacing Form 16)
Trusted by 140,000+ Indian Professionals & Investors
Zero marketing fluff. 100% private, client-side precision. Here is how taxpayers, engineers, and financial advisors use FinanceCalculatorTool to optimize their net worth.
"Switched to Section 44ADA remote foreign consulting using FinanceCalculatorTool's exact 50% presumptive blueprint. Saved over ₹3,66,600 in taxes legitimately without tedious book-keeping or accounting headaches. The live salary vs freelance waterfall chart gave me 100% confidence."
"As a practicing CA, I test online tax tools rigorously. FinanceCalculatorTool is the only platform that gets the Section 115BAC rebate, marginal relief, and standard deduction of ₹75,000 mathematically accurate down to the rupee. I recommend it to all my corporate clients."
"The Home Loan EMI Prepayment simulator is exceptional. It showed me how prepaying just ₹30,000 extra every 6 months shrinks my 25-year ₹80 Lakh home loan down to 13.5 years, slashing over ₹34 Lakhs in pure interest. That is real, actionable wealth creation."
"The SIP compounding tool with the 8-4-3 rule visualization completely shifted my financial mindset. Seeing inflation-adjusted future purchasing power vs nominal numbers prevented me from locking money in low-yield endowment policies. Clean UI, zero ads, pure signal."