About Finance calculators
A 0.5% difference in interest rate on a ₹50 lakh home loan adds up to roughly ₹3 lakh in extra interest over 20 years. A wrong tax regime choice can cost ₹30,000–₹80,000 a year at a ₹12 lakh income. Getting the numbers right isn't optional - it's the difference between a plan that works and one that quietly leaks money. Our finance calculators give you verifiable results with a step-by-step breakdown, so you can see the why behind every figure, not just take it on faith.
Built for Indian banking and tax norms
Default tenures, compounding frequencies, and slab rates follow what Indian banks, PSUs and the Income Tax Department publish. The EMI calculator uses monthly reducing balance. SIP and PPF use the correct compounding cadence for each product. The GST calculator handles inclusive and exclusive amounts with proper CGST/SGST splits for intra-state and IGST for inter-state transactions. The income tax calculator covers both regimes - old (with deductions) and new (with the updated Section 87A rebate structure). Where Indian norms differ from global ones, the tool page notes the difference so you can interpret the output correctly.
When to use which finance calculator
If you're managing a loan, the EMI calculator is the starting point - pair it with the amortization table to see exactly how each payment splits between principal and interest across the full tenure. For investments, the SIP and compound-interest calculators show how ₹5,000 a month grows to very different amounts at 10%, 12%, and 14% returns over 15 years - the difference often runs into tens of lakhs. The FD, RD, PPF, and NPS calculators map to specific products. For salary planning, the in-hand salary calculator shows actual take-home after PF, professional tax, and TDS under both regimes, and the income tax calculator tells you which regime costs less for your specific income and deduction profile.
Accuracy, disclaimers and where the math comes from
Every calculator carries a short disclaimer about real-world variables we cannot model - actual processing fees, GST on charges, prepayment penalties, mid-year salary changes, lifestyle inflation, and so on. The math itself is standard and replicated to two decimal places. We do not store any of your inputs; everything runs in your browser. If you spot a discrepancy with your bank statement, the most common reasons are (a) the bank uses a 360-day vs 365-day year, (b) interest is charged for the partial first month, or (c) there are processing fees baked into the principal. The tool exposes those toggles where applicable.