Financial calculators for India

Most calculators are built for one market and quietly assume it. These are the ones on this site that handle the way money actually works here: a GST rate that splits two ways depending on where the buyer is, a fixed deposit that compounds quarterly and pays seniors half a point more, a SIP that steps up as your salary does, and an EMI that a lender may take in advance rather than in arrears.

All free, all instant, and none of them ask for a sign-up or store what you type.

GST CalculatorAdd or remove GST and see the CGST, SGST and IGST split. Enter a value and rate to get the tax, the net price and the gross total.EMI CalculatorCalculate EMI for a home, car or personal loan. Monthly instalment, total interest, a year-by-year schedule and how much of the loan is paid off.SIP CalculatorCalculate SIP maturity value and returns, including step-up SIP where the monthly amount rises each year, and what the corpus is worth after inflation.Lumpsum CalculatorCalculate the future value of a one-time lumpsum investment. See how a single mutual fund or FD investment grows with compounding over time.FD CalculatorCalculate fixed deposit maturity and interest, with senior citizen rates and the effective annual yield. Quarterly, monthly or yearly compounding.FIRE CalculatorFind your FIRE number and the age you could reach financial independence, based on savings, monthly investing, expenses and the 4% rule.Take-Home Pay CalculatorEstimate your take-home pay after tax and other deductions, using your own effective tax rate. Simple net-pay estimate, no bracket lookup needed.Inflation CalculatorSee how inflation changes the value of money. Enter an amount, a rate and a number of years to find the future cost and the lost purchasing power.Compound Interest CalculatorCalculate compound interest with optional monthly contributions. Choose daily, monthly, quarterly or yearly compounding and see total interest earned.Credit Card Payoff CalculatorFind out how long it will take to pay off your credit card balance and how much interest you will pay based on your monthly payment.Amortization CalculatorSee the full month-by-month amortization schedule for any loan, and how much time and interest an extra payment saves.Salary CalculatorConvert your salary between annual, monthly, weekly, daily and hourly rates instantly. Works for any pay frequency.

What each one handles

GST Calculator: Splits into CGST and SGST for intra-state supply, or a single IGST across state lines - the part that gets mixed up on invoices.
EMI Calculator: Home, car and personal loans, with a year-by-year schedule and the choice between EMI in arrears and in advance.
SIP Calculator: Including step-up SIP, where the monthly amount rises each year the way income does.
Lumpsum Calculator: One-time investment growth, with what the corpus is actually worth after inflation.
FD Calculator: Quarterly compounding by default, senior citizen rates, and the effective annual yield that makes two FDs comparable.
FIRE Calculator: Your FIRE number and Coast FIRE point, using a real return after inflation rather than a nominal one.
Take-Home Pay Calculator: Net pay from gross using your own effective tax rate, with no bracket lookup.
Inflation Calculator: What an amount will be worth later, which matters more here than in low-inflation markets.
Compound Interest Calculator: The engine under most of the above, with daily, monthly, quarterly or yearly compounding.
Credit Card Payoff Calculator: How long a balance takes to clear at Indian card rates, and what the interest costs.
Amortization Calculator: The full month-by-month split, and what an extra payment saves.
Salary Calculator: Convert between annual, monthly, weekly and hourly pay.

A note on rates and rules

Tax slabs, TDS thresholds and card rates are revised often, usually at Budget time. These calculators take the rate as an input rather than hard-coding one, so they stay correct when the numbers move - but it does mean the figure you enter has to be the current one. Where a rule is genuinely fixed, such as the even CGST and SGST split, it is built in.