Calculators
Financial calculators, built for clarity.
Plan loans, investments, retirement, and taxes — all in one place. Every calculator updates instantly. Share or bookmark your results.
Advance EMI Calculator
₹3,00,000 — ₹10Cr
Extra amount each month to reduce principal faster
Month number and amount for each one-time prepayment
Monthly EMI
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Total Interest
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Total Payment
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Principal
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Interest Saved
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Actual Term
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Term Reduced
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Total Extra Paid
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Balance Over Time
Payment Breakdown
Principal vs Interest
☰ Amortization Schedule
| # | EMI | Principal | Interest | Extra | Lumpsum | Balance |
|---|
Assumptions
EMI is calculated using the standard reducing-balance formula. The interest rate is assumed constant throughout the loan tenure. Extra payments and lumpsum prepayments reduce the principal directly, shortening the loan term and reducing total interest. Actual EMI may vary based on lender terms, processing fees, and prepayment penalties.
SIP + Lumpsum Calculator
SIP Invested
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Lumpsum
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Lumpsum Growth
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SIP Corpus
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Est. Returns
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Total Corpus
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Wealth Growth
Investment vs Returns
Assumptions
Returns are assumed constant and compounded monthly. Past performance does not guarantee future returns. SIP is assumed at beginning of each month. Lumpsum grows at same rate as SIP.
XIRR Calculator
Calculate returns for annual investments with a final lump-sum value.
XIRR
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Total Invested
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Total Returns
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Final Value
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Return Breakdown
Absolute Return: —
Assumptions
XIRR is calculated using Newton's method. The calculator assumes annual investments made at regular intervals. Enter the total current value of your investments.
SWP / Systematic Withdrawal Plan
Leave 0 to calculate max withdrawal from corpus
Monthly Withdrawal
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Total Withdrawn
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Corpus Remaining
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Corpus Depletion
Investment vs Withdrawals
Assumptions
Returns are assumed constant. Withdrawals happen at end of each month. If monthly amount is specified, the calculator shows remaining corpus after withdrawal period.
PPF / Public Provident Fund Calculator
Current rate: 7.1% (notified quarterly by govt)
About PPF
- • Lock-in period: 15 years
- • Min annual: ₹500 | Max: ₹1.5L
- • Interest compounded annually
- • Tax-free returns (EEE category)
Maturity Amount
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Total Invested
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Interest Earned
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PPF Growth (15 years)
Investment vs Interest
Assumptions
PPF interest rate is assumed constant for all 15 years. Actual rates are revised quarterly by the government. Investment is made at the beginning of each financial year.
FD / Fixed Deposit Calculator
Maturity Amount
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Total Interest
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FD Growth
Principal vs Interest
Assumptions
Interest rate is assumed constant for the entire tenure. Actual FD rates vary by bank and tenure. Interest is compounded annually. TDS applicable on interest above ₹40,000 (₹50,000 for senior citizens).
Retirement Planner
Corpus at Retirement
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Monthly Withdrawal
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Annual Withdrawal
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Monthly Need (Today)
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Corpus Growth Projection
Assumptions
Returns are assumed constant. Inflation erodes purchasing power. The calculator assumes you withdraw inflation-adjusted amounts in retirement. Actual results depend on market conditions.
India Tax Estimator — FY 2025-2026
Taxable Income
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Income Tax
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Cess (4%)
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Total Tax
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Tax Breakdown
Effective Rate: —
Assumptions
Tax calculated for FY 2025-2026. Standard deduction of ₹75,000 (new regime) / ₹50,000 (old regime) applied automatically. Cess at 4% on tax amount. Surcharge not included. Actual liability may vary based on specific exemptions and professional advice.