Free Indian Financial
Calculators & Tools
30+ free tools built for Indians — NPS, PPF, EPF, ELSS, tax regime comparison, capital gains, F&O, rent vs buy, and more. CBDT-aligned for AY 2025-26. No signup. No ads.
Income Tax Calculator
Compute AY 2025-26 tax under both the old and new regimes, with surcharge and HEC. Pick the lower-tax regime automatically.
New vs Old Tax Regime
Decision matrix — which regime saves you more, given your 80C, HRA, home loan interest, and standard deduction stack.
NPS Calculator
National Pension System projection with the Section 80CCD(1B) ₹50K above-80C deduction and 40% annuity-purchase rule at 60.
PPF Calculator
Public Provident Fund with the 7.1% (Q2 2025) rate, ₹1.5L annual cap, 15-year lock-in, and EEE tax status.
EPF Calculator
Employee Provident Fund projection with 12% employee + 12% employer (split 3.67% EPF / 8.33% EPS), current rate, and tax on withdrawal rules.
NPS vs PPF vs ELSS Compare
Side-by-side: which 80C / 80CCD(1B) instrument wins at your age, time horizon, and risk profile.
SCSS Calculator
Senior Citizens' Savings Scheme: ₹30L cap, 8.2% interest, 5-year tenure with 3-year extension option.
Sukanya Samriddhi Calculator
SSY projection for a girl child under 10 — 8.2% rate, ₹1.5L annual cap, 21-year maturity, fully EEE.
HRA Exemption Calculator
House Rent Allowance exemption under Section 10(13A) — the minimum-of-three formula.
Section 80C Optimiser
Fill your ₹1.5L 80C cap optimally across ELSS, PPF, EPF, NPS, life insurance, and home-loan principal.
SIP Returns Calculator
Compute SIP final corpus across multiple mutual-fund scenarios with India-specific tax treatment on equity vs debt funds.
Section 24 Home Loan Calculator
Home loan interest deduction up to ₹2L (self-occupied) under Section 24(b) plus full deduction for let-out property.
Home Loan EMI Calculator
EMI calculation with floating-rate scenarios, year-by-year tax-saving on principal (80C) and interest (Section 24).
Home Loan EMI Prepay Strategy
Lump-sum vs SIP prepayment optimisation — find the prepayment schedule that minimises total interest paid.
Rent vs Buy India
City-specific rent-vs-buy crossover analysis with the Indian CAGR-on-property assumption and HRA tax shield.
Stamp Duty India
State-by-state stamp duty and registration charges. Women-owner concessions (Maharashtra, Karnataka, etc.).
Property LTCG Calculator
Long-term capital gains on property — 12.5% post-23-July-2024 without indexation OR 20% with indexation (taxpayer choice).
Equity Capital Gains Calculator
LTCG 12.5% above ₹1.25L exemption (post-July-2024) on equity shares and equity MFs. STCG 20% on holdings <12 months.
Crypto Tax Calculator
VDA tax under Section 115BBH — 30% flat on gains, no loss offset, plus 1% TDS on transfers under Section 194S.
F&O Trading Tax Calculator
Business-income treatment of futures and options under Section 43(5), audit thresholds, and expense deductibility.
Advance Tax Calculator
Section 208 advance-tax instalments — 15% by 15 Jun, 45% by 15 Sep, 75% by 15 Dec, 100% by 15 Mar. Section 234B/234C interest math.
HUF Tax Optimiser
Hindu Undivided Family income-splitting to use a separate basic-exemption slab and 80C / 80D allowances.
FIRE Calculator India
Indian FIRE number with the 3-3.5% safe-withdrawal rate (inflation-aware), city-specific cost of living, and EPF/NPS bridge.
Retirement Calculator
Retirement corpus projection accounting for India's ~6% long-term inflation and 10-12% equity-mutual-fund returns.
SIP to ₹1 Crore
Years and monthly SIP required to reach ₹1 Cr at 10/12/15% expected returns. Step-up SIP variant included.
SIP vs Lumpsum
When does a one-shot lumpsum beat a systematic SIP, and when doesn't it? Volatility-aware comparison.
Step-up SIP Calculator
Annual SIP increment model — start at ₹X / month, step up by Y% / year. Final corpus and total invested.
Lumpsum Calculator
Single-shot investment compound growth at expected mutual-fund returns with India-specific tax treatment.
NSC Calculator
National Savings Certificate VIII Issue — 5-year tenure, current rate, 80C-eligible, reinvested-interest taxation.
Education Fund India
Project the cost of school + college education in India given 8-10% education inflation. Plan via SIP or PPF.
Emergency Fund India
Right-sized 3-6 months emergency-fund target accounting for Indian medical-insurance gaps and EMI obligations.
Net Worth Calculator
Total net worth in ₹ across EPF, NPS, PPF, mutual funds, property, gold, and debts.