Money maths for India, without the sales pitch.
EMI, SIP, tax, PF and GST calculators that show their working, in lakhs and crores, with the latest rules. No sign-up, no app download, nothing leaves your phone.
Loans
What a loan really costs, and how to pay it off sooner.
EMI calculator
Monthly instalment, total interest and repayment schedule for any loan.
₹10 lakh · 10.5% · 5 yrs → ₹21,494/moHome loan EMI
Home loan EMI with prepayment savings and a 30-year schedule.
₹40 lakh · 8.5% · 20 yrs → ₹34,713/moHome loan eligibility
How much home loan you can get on your salary.
₹75,000/mo → ₹43.21 lakh loanLoan prepayment
Reduce EMI or tenure: which saves more.
₹5L on ₹30L loan → saves ₹13.06 lakhCar loan EMI
EMI for new and used car loans, 1 to 8 years.
₹8 lakh · 9.25% · 5 yrs → ₹16,704/moPersonal loan EMI
See the real cost of a personal loan at 10–30% interest.
₹5 lakh · 12.5% · 4 yrs → ₹13,290/moSaving & investing
How much your money can become, year by year.
SIP calculator
Future value of a monthly SIP, with step-up and inflation.
₹5,000/mo · 12% · 10 yrs → ₹11.62 lakhLumpsum calculator
Growth of a one-time investment, with doubling time.
₹1 lakh · 12% · 10 yrs → ₹3.11 lakhPPF calculator
Tax-free PPF maturity at 7.1%, with 5-year extensions.
₹1.5 lakh/yr · 15 yrs → ₹40.68 lakhFD calculator
Fixed deposit maturity with quarterly compounding and TDS check.
₹5 lakh · 7% · 3 yrs → ₹6.16 lakhRD calculator
Recurring deposit maturity, bank or Post Office.
₹5,000/mo · 6.7% · 5 yrs → ₹3,56,829Sukanya Samriddhi (SSY)
SSY maturity for your daughter at 8.2%.
₹1.5 lakh/yr → ₹71.82 lakh at 21 yrsCompound interest
Compound vs simple interest, any frequency.
₹1 lakh · 8% · 5 yrs → ₹1,46,933Simple interest
Interest on any amount: P × R × T ÷ 100.
₹1 lakh · 8% · 3 yrs → ₹24,000Inflation calculator
Future cost of anything, and what your money will be worth.
₹1 lakh today → ₹1.79 lakh in 10 yrsCAGR calculator
Yearly growth rate from start and end values.
₹1L → ₹2.5L in 7 yrs = 13.99%Retirement
Build the corpus, then make it last.
Retirement corpus
Corpus you need and the SIP to build it.
₹50K/mo expenses, age 30 → corpus at 60EPF (PF) calculator
Your PF corpus at retirement, at 8.25%.
₹30K basic at 28 → ₹1.84 crore at 58NPS calculator
Corpus, lump sum and pension under the new 80% exit rule.
₹5,000/mo from 30 → ₹1.14 crore at 60SWP calculator
How long a corpus lasts with monthly withdrawals.
₹50 lakh · ₹30K/mo · 8% → lasts 20+ yrsTax & salary
Tax Year 2026-27 rules, old and new regime side by side.
Income tax (old vs new)
Old vs new regime side by side, with the ₹12 lakh rebate.
₹15 lakh salary → new regime ₹97,500Capital gains tax (MF & shares)
LTCG and STCG on mutual funds and shares.
₹3L equity gain after 2 yrs → ₹22,750Salary in-hand (CTC)
CTC to monthly take-home after PF and tax.
12 LPA → ₹85,395/mo in handRent receipt generator
Monthly receipts for your HRA claim, ready to print.
12 receipts for Apr 2026–Mar 2027HRA exemption
Tax-free HRA, now with 50% for 8 metro cities.
₹50K basic · ₹18K rent, Pune → ₹1.56 lakh/yrGratuity calculator
Gratuity from last salary and years of service.
₹60K basic · 8 yrs 7 mo → ₹3,11,538Business & property
For shops, freelancers and anyone buying a flat.
Quick answers
Worked out for common amounts.
Guides
The questions behind the numbers.