Financial calculators: SIP, EMI, tax, mortgage

Free financial calculators for India and the US: SIP, EMI, PPF, EPF, income tax, gratuity, FD, GST, mortgage, paycheck and 401(k), updated for 2026.

Investments and savings 11 tools

SIP calculatorMutual fund SIP returns with step-upTrendingPPF calculator15-year PPF maturity and interestFD and RD calculatorFixed and recurring deposit maturityCompound interestGrowth with monthly additionsSukanya Samriddhi calculatorSSY maturity for your daughterPost office schemes calculatorNSC, KVP, SCSS, MIS and TDLumpsum calculatorOne-time mutual fund investmentSWP calculatorMonthly withdrawals from a fundInflation calculatorFuture cost and value of moneyCAGR calculatorAnnual growth rate of an investmentSavings goal calculatorMonthly saving to reach a target

Loans 5 tools

EMI calculatorHome, car and personal loan EMILoan prepayment calculatorInterest and years savedMortgage calculatorMonthly payment with tax, PMICredit card payoff calculatorMonths to pay off and interestAuto loan calculatorCar payment with trade-in and tax

Tax, salary and retirement 9 tools

Income tax calculatorNew vs old regime, FY 2026-27TrendingEPF calculatorPF corpus at retirement, 8.25% rateCTC to in-hand salaryMonthly take-home from your CTCGST calculatorAdd or remove GST, CGST/SGST splitTrending8th Pay CommissionRevised pay by fitment factorTrendingGratuity calculatorGratuity at exit, tax-free limitHRA calculatorHRA exemption under the old regimePaycheck calculatorUS take-home pay after federal tax401(k) calculatorRetirement savings with match

About these financial calculators

Plan your money with free financial calculators for India and the US. Estimate mutual fund returns with SIP, lumpsum and SWP calculators, check a loan EMI or prepayment saving, see PPF, EPF, SSY and post office maturity values, and compare the new and old income tax regimes for FY 2026-27.

For the US, work out a mortgage payment with PMI, your paycheck after 2026 federal tax and FICA, 401(k) growth with an employer match, credit card payoff and auto loan payments.

Every calculator shows the formula it uses, a worked example in rupees and the official source, such as the Income Tax Department, EPFO or the Ministry of Finance. Rates like PPF interest are updated each quarter.

Which questions do these tools answer?

  • How much SIP do I need for ₹1 crore?
  • Which tax regime saves more for my salary?
  • What will my EPF be at retirement?

Frequently asked questions

Which is better for long-term savings, SIP or PPF?

PPF gives a guaranteed, tax-free return (7.1% for Oct–Dec 2026) with a 15-year lock-in. An equity SIP has no guarantee but has historically earned more over long periods. Many people use PPF for safety and SIPs for growth.

Are these financial calculators accurate?

They use the standard formulas banks and fund houses use, and current rates from official sources. Results are estimates; your actual returns, EMI or tax can differ.