Free financial calculators for India
Know your number before you decide.
Loan EMIs, investment growth, deposits, and tax — with the formula shown, not just the answer.
21 calculators
Find your number
Explore loans, investments, savings, and tax calculators with transparent methods and visible limitations.
EMI Calculator
Calculate monthly loan EMI, total interest payable, and total repayment amount for home, car, personal, or education loans.
Loans
Home Loan Eligibility Calculator
Estimate the maximum home loan EMI, loan amount, and total property affordability you may be eligible for, using the FOIR (Fixed Obligation to Income Ratio) method.
Loans
SIP Calculator
Calculate the estimated future value of monthly SIP investments based on your contribution, expected return, and investment duration.
Investments
Lumpsum Calculator
Calculate the estimated future value of a one-time investment based on the investment amount, expected return, and duration.
Investments
FD Calculator
Calculate fixed deposit maturity amount and interest earned based on deposit amount, interest rate, duration, and compounding frequency.
Savings
RD Calculator
Calculate recurring deposit maturity amount and interest earned based on monthly deposit, interest rate, duration, and compounding frequency.
Savings
CAGR Calculator
Calculate compound annual growth rate from a beginning value, ending value, and investment period, with total return and gain or loss.
Investments
PPF Calculator
Estimate PPF maturity value, contributions, and interest using an editable constant rate and a transparent annual contribution-timing assumption.
Savings
GST Calculator
Add GST to an exclusive amount or remove embedded GST from an inclusive amount, with user-selected intra-State or inter-State tax-head arithmetic.
Business
Gratuity Calculator
Estimate statutory gratuity for a regular monthly rated employee in India using eligible last-drawn wages, completed service, the current standard formula, and the statutory ceiling.
Taxes
HRA Exemption Calculator
Calculate your House Rent Allowance (HRA) exemption under Section 10(13A) for FY 2025-26 (AY 2026-27), old regime only, with all three limits shown and the binding one explained.
Taxes
Income Tax Calculator
Calculate your income tax liability under the old and new regimes for FY 2025-26 (AY 2026-27), with a full slab, rebate, surcharge, and cess breakdown.
Taxes
Step-up SIP Calculator
Estimate a monthly SIP that increases after every 12 contributions and compare it with a regular SIP.
Investments
SWP Calculator
Estimate how long a lumpsum investment can sustain fixed monthly withdrawals, or the balance remaining after a chosen duration.
Investments
Inflation Calculator
Estimate the future cost of a current amount, or what a future amount is worth in today's purchasing power, under an assumed annual inflation rate.
Investments
Retirement Corpus Calculator
Project the corpus your savings and contributions could reach by retirement, then see how long an inflation-adjusted monthly withdrawal could sustain it through retirement.
Investments
EPF Calculator
Estimate your Employees' Provident Fund (EPF) corpus at retirement from monthly basic salary, employee and employer contribution rates, and an assumed annual interest rate.
Savings
NPS Calculator
Project your National Pension System (NPS) corpus at retirement from a monthly contribution and an equity / corporate debt / government securities asset allocation.
Investments
Leave Encashment Calculator
Estimate the section 10(10AA) tax exemption on leave encashment received at retirement or resignation, with the current ₹25 lakh statutory limit for non-government employees and full exemption for government employees.
Taxes
EPS Pension Calculator
Estimate the monthly pension payable under the Employees' Pension Scheme, 2026 (EPS 2026), using the current ₹15,000 pensionable-salary ceiling, 20-year bonus-service weightage, and ₹1,000 minimum-pension floor.
Savings
Capital Gains Calculator (Equity Shares & Mutual Funds)
Estimate STCG and LTCG tax on listed equity shares and equity-oriented mutual funds across multiple purchase lots, with FIFO lot matching, the pre-2018 grandfathering cost-basis rule, and the pooled ₹1,25,000 LTCG exemption under sections 111A and 112A.
Taxes
Updates
What's changed recently
New calculators and regulatory updates, most recent first.
HRA exemption calculator added
Estimate exempt House Rent Allowance under the old tax regime for FY 2025-26, with a direct pass-through into the Income Tax Calculator.
Open HRA calculatorFY 2025-26 income tax slabs confirmed
Old and new regime slabs, standard deduction, Section 87A rebate, surcharge, and cess for FY 2025-26 (AY 2026-27) are live in the Income Tax Calculator.
Open Income Tax calculatorMetro-city HRA expansion disclosed
Income-tax Rules, 2026 add Bengaluru, Hyderabad, Pune, Ahmedabad to the 50%-of-salary metro tier from FY 2026-27 onward. The HRA calculator still targets FY 2025-26 — see the calculator for the on-page disclosure.
Open HRA calculator
Why ThinkCalculator
Clear results, with the working shown
Transparent formulas
See the method and assumptions behind each calculation.
Detailed schedules
Review payment or growth schedules where they help explain results.
Shareable results
Copy a result or share a link to supported calculator inputs.
Built for Indian users
Clear rupee-based tools for common financial decisions in India.
Learning resources
Build confidence behind the calculation
Read practical articles and guides that explain inputs, assumptions, and results.
Understanding loan EMI
See how principal, interest rate, and tenure shape monthly repayments.
Read the resourceSIP vs lumpsum
Compare regular contributions with a one-time investment and understand the assumptions.
Read the resourceHow to estimate SIP growth
Learn how contribution, return, and duration assumptions shape an estimate.
Read the resourceFinancial glossary
Useful terms, explained simply
- EMI
- The fixed monthly payment used to repay a loan over a chosen tenure.
- SIP
- A method of investing a fixed amount at regular intervals.
- Principal
- The original amount borrowed, deposited, or invested.
- Interest
- The cost of borrowing or the return earned on money.
- Compounding
- Earning returns on both the principal and earlier returns.
- Maturity amount
- The total value payable when a deposit or investment term ends.
Frequently asked questions
Know what the result means
Understand how to use, save, and interpret ThinkCalculator results.
Are ThinkCalculator results exact?
Calculator results are estimates based on the values and assumptions you enter. Actual lender, bank, or investment outcomes may differ because of fees, rate changes, rounding, taxes, and provider-specific rules.
Can I share my calculation?
Yes. Supported calculators let you copy a shareable link containing validated input values, so another person can open the same calculation.
Can I print or save results as PDF?
Yes. Use the calculator’s print action, then choose Print or Save as PDF in your browser’s print dialog.
Do I need to create an account?
No account is currently required. Calculations run in your browser and ThinkCalculator does not ask you to sign in.
Are investment returns guaranteed?
No. Investment calculator results are projections based on an assumed rate. Market-linked returns are not guaranteed and actual outcomes can be higher or lower.
Helpful finance notes, without the noise
Finance guides and calculator updates are planned. Newsletter subscriptions are not open yet, and no email addresses are being collected.