Calculator Suite

12 Financial Calculators for Everyday Indian Money Decisions

Working out a home loan EMI, checking how much of your HRA is actually tax-free, or comparing what a lump sum grows to in a fixed deposit versus a PPF account usually means either doing the maths by hand or hunting for a bank's calculator page that only handles one of those questions. This page puts twelve of them behind one set of tabs: EMI, Age, Percentage, Discount, SIP, SWP, PPF, FD, RD, GST, HRA, and Simple/Compound Interest.

Loans and borrowing

The EMI calculator takes your loan amount, interest rate, and tenure and gives you the monthly instalment, total interest, and a full amortisation table — the same reducing-balance formula banks use, so a ₹30 lakh loan at 8.5% over 15 years shows exactly how much of each month's payment chips away at the principal versus the interest.

Saving and investing

Four tabs cover the accounts most Indian savers actually use. SIP projects what a monthly mutual fund investment grows to at a given expected return, with a year-by-year breakdown of invested amount versus returns. SWP runs the same idea in reverse — start with a lump sum, withdraw a fixed amount every month, and see how many years the corpus lasts (and a warning if it'll run dry before your target period). PPF applies the current government interest rate to a 15-year Public Provident Fund investment, with the ₹1.5 lakh Section 80C cap and the lock-in rules noted upfront. FD and RD handle fixed and recurring deposits, including quarterly-vs-monthly compounding and a TDS toggle for interest above ₹40,000, alongside an indicative rate table from major banks so you have something to compare your own bank's quote against.

Tax and salary

The HRA calculator works out your tax-exempt House Rent Allowance using the actual income-tax rule: it's the minimum of the HRA you receive, your rent paid minus 10% of basic salary, and 50% of basic in a metro city (40% elsewhere) — most people don't realise it's a minimum of three numbers, not just whatever HRA their payslip shows. The GST calculator adds or removes GST at 0/5/12/18/28%, splits it into CGST and SGST, and has a bulk mode for running a whole list of amounts at once — useful for a shopkeeper checking a batch of invoices in one go.

Everyday arithmetic

Not everything here is finance-specific. Age gives your exact age in years, months, and days from a birth date — handy for checking eligibility cutoffs for exams or admissions. Percentage covers the four calculation types people actually get stuck on: finding X% of Y, finding what percentage X is of Y, percentage increase or decrease, and working backward to an original value. Discount converts between original price, sale price, and discount percentage, with a bulk mode for checking several items at once. Simple/Compound Interest compares both interest methods side by side on the same principal, rate, and term, so you can see in rupees exactly how much compounding is worth over simple interest.

How to use it

Pick a tab from the sidebar (it collapses to a row of icons on mobile). Each calculator has its own fields — most pair a number input with a slider so you can either type an exact figure or drag to explore a range. Results update as you type; nothing needs a separate "calculate" button.

Limitations

The bank FD rates shown in the FD tab are indicative snapshots, not live data — check your bank's own page before relying on a specific figure. The PPF, HRA, and GST calculations reflect the rules and rates in force at the time this tool was built; interest rates and slabs do get revised, so cross-check against the current government notification for anything you're filing or committing money against. None of these twelve calculators send your numbers anywhere — everything runs in your browser and disappears when you close the tab.