Finance & Investing Calculators

Mortgages, EMI & personal loans, 12-mode SIP suite, compound interest, PPF, EPF, FD, GST, tax, and retirement calculators.

Finance & Investing (30 Calculators)

Real Estate & Home Loans

Mortgage Calculator

Calculate monthly home loan principal and interest, PITI + HOA breakdown, and full amortization schedule with extra payment savings.

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Loans & Credit

Loan & EMI Calculator

Compute monthly EMI, total interest share, processing fee impact, and yearly repayment schedule in ₹ INR (Lakhs/Crores) or $ USD.

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Savings & Wealth Accumulation

Compound Interest Calculator

Project nominal and inflation-adjusted investment growth with customizable compounding frequency and deposit timing.

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Mutual Funds & India Investing

SIP Calculator (Systematic Investment Plan)

Estimate mutual fund SIP maturity corpus with optional annual step-up percentage and inflation purchasing-power adjustment.

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Investment Performance & Business Returns

ROI Calculator (Return on Investment)

Compute simple ROI %, net profit, return multiple (MOIC), and annualized ROI over your exact holding period.

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India Tax & Invoicing

GST Calculator (India)

Calculate GST-exclusive and GST-inclusive invoice amounts with CGST + SGST (intra-state) or IGST (inter-state) breakdown.

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India Small Savings & Tax-Free Schemes

PPF Calculator (Public Provident Fund)

Calculate 15-year PPF maturity balance, total principal deposited, and tax-exempt compounded interest.

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Retirement Income & Mutual Funds

SWP Calculator (Systematic Withdrawal Plan)

Project remaining investment balance, cumulative withdrawals, and corpus sustainability over time.

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Bank Deposits & Guaranteed Returns

FD & RD Calculator (Fixed & Recurring Deposit)

Compute bank FD (lump-sum) and RD (monthly installment) maturity values using quarterly IBA compounding conventions.

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India Payroll & Retirement Benefits

Gratuity Calculator (India)

Compute gratuity entitlement using the statutory 15/26 formula, service rounding rules, and Section 10(10) ₹20 Lakh tax-exemption split.

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Retirement & Portfolio Analytics

CAGR & FIRE Calculator (Financial Independence)

Compute nominal CAGR, Fisher real return after inflation, and Safe Withdrawal Rate (SWR) FIRE retirement corpus target.

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India Payroll & Retirement Benefits

EPF Calculator (Employees Provident Fund)

Project your EPFO retirement balance with employee + employer contributions, EPS ₹1,250/mo diversion, and annual salary growth.

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Mutual Funds & India Investing

Step-Up SIP Calculator (% & Fixed ₹ Top-Up)

Compare annual percentage (%) or fixed rupee (₹) SIP top-ups against a flat monthly SIP with a year-by-year advantage table.

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Mutual Funds & India Investing

Inflation-Adjusted SIP Calculator (Real Purchasing Power)

See what your future SIP corpus is worth in today’s purchasing power after discounting for CPI inflation.

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Mutual Funds & Goal Planning

Target Goal SIP Calculator (Reverse SIP Solver)

Solve for the exact starting monthly SIP needed to reach a ₹1 Cr, ₹5 Cr, or custom inflation-adjusted goal.

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Mutual Funds & Asset Allocation

SIP vs. Lump Sum & Hybrid Calculator

Model a one-time lump sum, a monthly SIP, or both combined in a single portfolio trajectory.

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Mutual Funds & Behavioral Finance

SIP Delay Cost Calculator (Cost of Waiting)

See how much final maturity wealth is lost by delaying your SIP and what catch-up installment is needed to recover.

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Mutual Funds & India Tax

Post-Tax & Expense Ratio (Direct vs. Regular) SIP Calculator

Compare Direct vs. Regular mutual fund expense ratio drag and compute net take-home corpus after 12.5% Section 112A LTCG tax.

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Mutual Funds & Cashflow Scheduling

Multi-Frequency SIP Calculator (Daily, Weekly, Monthly, Quarterly)

Compute Daily, Weekly, Fortnightly, Monthly, or Quarterly SIP returns with a cross-frequency equivalence table.

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Mutual Funds & FIRE Planning

Coast SIP Calculator (Invest X Years, Hold Y Years)

Calculate how a SIP corpus grows when you stop new contributions after X years and let existing units compound for the remaining horizon.

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Mutual Funds & Retirement Income

SIP-to-SWP Retirement Bridge Calculator

Simulate Phase 1 SIP accumulation at equity returns followed by Phase 2 monthly SWP retirement income at conservative hybrid/debt returns.

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India Tax-Saving Mutual Funds

ELSS Tax-Saving SIP Calculator (Section 80C)

Compute ELSS SIP wealth creation alongside Section 80C tax savings (up to ₹1.5L/yr deduction) and 3-year rolling lock-in schedule.

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Comprehensive Wealth Planning

All-in-One Real Wealth SIP Calculator (Step-Up + Lump Sum + TER + Tax + Inflation)

View the complete 4-stage wealth waterfall: Gross Nominal → Net of Expense Ratio → Post-LTCG Tax → Real Purchasing Power.

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Time Value of Money & Credit Solvers

TVM Finance, Present Value & Effective APR Calculator

Compute Future Value, Present Value, Required Monthly Payment, and Newton-Raphson Effective APR with upfront loan fees.

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Debt Management & Credit Cards

Debt Payoff, Credit Card & Consolidation Calculator

Simulate multi-card debt payoff, consolidation interest savings, and cash-back vs. low-APR auto financing.

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Real Estate & Property Analysis

Home Affordability, Rent vs. Buy, Rental Cap Rate & Global Mortgage Calculator

Compute 28/36 DTI home affordability, Rent vs. Buy comparison, Rental Cap Rate/NOI, and Canadian semi-annual compounding.

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Corporate Finance, Leasing & Budgeting

Bond Yield, Auto Lease, Depreciation, Salary & Budget Calculator

Compute vehicle lease payments, asset depreciation, bond YTM, hourly wage equivalence, and 50/30/20 household budgets.

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Income Tax & Payroll

Income Tax & Take-Home Paycheck Calculator (India New vs. Old Regime)

Compare New vs. Old Tax Regime liability, Section 87A rebate, 4% cess, and net monthly take-home paycheck.

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US & Global Retirement Accounts

401(k), Roth IRA, RMD & Retirement Pension Calculator

Project 401(k) employee + employer match growth and calculate IRS Required Minimum Distributions (RMD).

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Personal Income & Smart Shopping

Pay Raise, Percent-Off Sale Discount & Unit Price Comparison Calculator

Compute salary/hourly pay raises, stacked percent-off retail discounts, and multi-item unit price savings.

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Finance & Investing Editorial Guide

Complete Guide to Finance & Investing Calculators, Formulas & Visual Charts

Our Finance & Investing hub brings together 30 interactive calculators covering Real Estate & Home Loans, Loans & Credit, Savings & Wealth Accumulation, Mutual Funds & India Investing, Investment Performance & Business Returns, India Tax & Invoicing, India Small Savings & Tax-Free Schemes, Retirement Income & Mutual Funds, Bank Deposits & Guaranteed Returns, India Payroll & Retirement Benefits, Retirement & Portfolio Analytics, Mutual Funds & Goal Planning, Mutual Funds & Asset Allocation, Mutual Funds & Behavioral Finance, Mutual Funds & India Tax, Mutual Funds & Cashflow Scheduling, Mutual Funds & FIRE Planning, Mutual Funds & Retirement Income, India Tax-Saving Mutual Funds, Comprehensive Wealth Planning, Time Value of Money & Credit Solvers, Debt Management & Credit Cards, Real Estate & Property Analysis, Corporate Finance, Leasing & Budgeting, Income Tax & Payroll, US & Global Retirement Accounts, Personal Income & Smart Shopping. Mortgages, EMI & personal loans, 12-mode SIP suite, compound interest, PPF, EPF, FD, GST, tax, and retirement calculators. Every tool runs locally in your browser for instant speed and complete privacy.

Popular calculators in this category include Mortgage Calculator, Loan & EMI Calculator, Compound Interest Calculator, SIP Calculator (Systematic Investment Plan), ROI Calculator (Return on Investment). Each calculator pairs textbook mathematical notation with three custom domain-specific SVG visualizations, a step-by-step worked example, and side-by-side scenario comparison so you can plan and verify every calculation clearly.