Financial
Calculators

EMI is the fixed monthly amount you pay to repay your loan over the chosen tenure.

• P = Loan principal amount
• r = Monthly interest rate (annual rate ÷ 12)
• n = Total number of monthly installments

PPF earns interest compounded annually on your yearly contributions. The lock-in period is 15 years.

• P = Annual deposit (max ₹1.5 lakh/year)
• r = Annual PPF interest rate
• n = Number of years (min 15)
• Returns are fully tax-free under EEE status

FD maturity depends on how often interest is compounded. More frequent compounding = higher returns.

• P = Deposit amount
• r = Annual interest rate
• n = Compounding frequency (1/2/4/12)
• t = Tenure in years

Compare your total tax liability under both regimes side-by-side for FY 2025-26.

• Old Regime: Allows deductions (80C, 80D, HRA, etc.) but has higher tax rates
• New Regime: Lower tax rates but most deductions are not available
• Enter your gross income and deduction amount to see which regime saves more
• Surcharge and cess are applied automatically

CAGR smoothens returns into a single annual growth rate, making it easy to compare investments.

• BV = Beginning value (initial investment)
• EV = Ending value (current/final value)
• n = Number of years
• Works for mutual funds, stocks, FDs, real estate, etc.

Inflation reduces what your money can buy. This calculator shows both future cost increase and real purchasing power loss.

• Future Cost = What today's ₹100 item will cost in n years
• Purchasing Power = What ₹100 today will be worth in future
• Average Indian inflation ≈ 5–6% annually

A step-up SIP increases your monthly investment by a fixed percentage each year, dramatically boosting long-term wealth.

• Starts with your base SIP and bumps it up annually by the step-up %
• Each year's higher SIP compounds for the remaining period
• Example: ₹10K/month with 10% step-up at 12% return for 20 years = ₹1.5 Cr+
• Just a 10% annual increase can more than double your final corpus vs flat SIP

Lumpsum investing puts a single large amount into a fund at once, letting the full amount compound immediately.

• P = One-time investment amount
• r = Annual rate of return
• n = Investment period in years
• Best suited when markets are at lower levels or for windfall gains

In an RD, each monthly deposit earns interest for the remaining tenure. Earlier deposits earn more.

• Each installment compounds quarterly from deposit date to maturity
• Formula sums the future value of every individual deposit
• Interest is compounded quarterly (standard for bank RDs)
• Minimum deposit: typically ₹100/month; no maximum limit

Gratuity is a lump-sum employer benefit paid when you leave after 5+ years of continuous service.

• Last Salary = Basic + Dearness Allowance (monthly)
• Years = Total years of continuous service
• Tax-exempt up to ₹20 lakh under Section 10(10)
• Minimum 5 years of service required for eligibility

HRA exemption is the minimum of three conditions. Only the Old Tax Regime allows HRA deduction.

• Condition 1: Actual HRA received from employer
• Condition 2: 50% of Basic (metro) or 40% (non-metro)
• Condition 3: Rent paid − 10% of Basic salary
• The lowest of these three is your tax-exempt HRA amount
• Metro cities: Delhi, Mumbai, Chennai, Kolkata

NPS is a government-backed pension scheme. At retirement, 40% must buy an annuity (pension), 60% is tax-free lumpsum.

• Monthly contributions grow with market-linked returns (equity + debt)
• At 60: 40% annuity → monthly pension; 60% lumpsum → tax-free withdrawal
• Additional ₹50,000 tax deduction under Section 80CCD(1B)
• Annuity rate assumed at 8% (varies by insurance provider)

The Rule of 72 is a quick mental math trick to estimate how long it takes for money to double.

• At 8% return → 72 ÷ 8 = 9 years to double
• At 12% return → 72 ÷ 12 = 6 years to double
• Works best for rates between 6%–12%
• Rule of 108: divide by rate to find years to triple