Financial calculators
Free calculators for SIP, lumpsum, fixed deposits, recurring deposits, PPF, Sukanya Samriddhi, NSC and home loan EMI. Each one gives you three numbers: what your money grows to, what is left after tax, and what that will actually buy once inflation has been counted.
How to read these numbers
Take a ₹1 lakh fixed deposit at 7.1% for five years, held by someone earning ₹30 lakh a year, with inflation at 6%:
- Value at maturity
- ₹1.42 lakh
- After tax
- ₹1.29 lakh
- Worth in today's money
- ₹96,408
You put in ₹1 lakh and got back ₹96,408 of buying power — a real return of -0.90% a year. All three figures are correct. Only the last one tells you what the money can do.
Investing
Mutual funds and equity. Every figure here is net of capital gains tax and restated in today's money.
- SIP calculator
What a monthly SIP could grow to, what you keep after capital gains tax, and what it buys after inflation.
- Step-up SIP calculator
What raising your SIP a little every year does, funded by your annual increment rather than by spending less.
- Lumpsum calculator
What a one-time mutual fund investment becomes, after capital gains tax and after inflation.
- SWP calculator
How long a corpus lasts if you withdraw a fixed amount every month, and what that amount still buys years later.
Deposits and small savings
Fixed deposits, recurring deposits and government savings schemes. This is where the gap between the quoted rate and what you keep is widest.
- FD calculator
What a fixed deposit pays once tax is counted. At a 30% slab, a 7.1% FD returns about 4.9%.
- RD calculator
What a monthly recurring deposit matures to, after the tax charged every year rather than at the end.
- PPF calculator
What 15 years of PPF builds, entirely tax free, and how that compares with a taxed deposit.
- Sukanya Samriddhi calculator
What a Sukanya Samriddhi account builds for a daughter's education or marriage, entirely tax free.
- NSC calculator
What an NSC pays over five years, and why being taxable puts it closer to an FD than to PPF.
Loans
What borrowing actually costs — the total interest, the fees, and the difference between a flat rate and a reducing one.
- Home loan EMI calculator
Your monthly EMI, the total interest across the full tenure, and what one extra payment a year saves.
- Flat vs reducing rate
Converts a flat rate loan quote into its true reducing balance rate. A 10% flat loan is about 18%.
- Prepay or invest
Whether an extra rupee does more against your loan or in equity, compared after tax on both sides.
Slabs, capital-gains rates and TDS thresholds are applied as of 2026-Q2, and small-savings rates are the government’s notified figures for that quarter — they are reset every three months. We last checked all of them against official sources on 2026-08-23, and the build refuses to ship once a quarter’s rates have expired. The glossary explains the terms.
These calculators do arithmetic on figures you enter. They are not investment advice, not a recommendation for or against any product, and not a forecast — the returns are your own assumptions, and the tax treatment is our reading of the rules as they stand. Nothing here accounts for your full financial position.