Free · Instant · Accurate · India-Specific

India's Most Advanced
Financial Toolkit

17 powerful calculators — EMI, SIP, Loan Comparison, Retirement Corpus, NPS, PPF, Gratuity, FD/RD, CAGR, Net Worth and more. Built by a CA. Trusted by thousands.

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📈
SIP + Lumpsum ReturnsProject your wealth
🎯
Retirement CorpusKnow your number
🏛️
PPF · NPS · GratuityLong-term savings tools
EMI Calculator SIP Returns Retirement Corpus PPF Calculator NPS Calculator Gratuity Calculator FD / RD Calculator Loan Comparison Home Loan Affordability Debt Payoff Planner CAGR Calculator Net Worth Tracker EMI Calculator SIP Returns Retirement Corpus PPF Calculator NPS Calculator Gratuity Calculator FD / RD Calculator Loan Comparison

Tools Directory

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17  Financial Tools Available
Loan Tools

Loan, EMI & Credit Calculators

Complete suite for borrowers — plan your EMI, compare loan offers, calculate prepayment savings, and understand the true cost of credit card debt.

🏦
Tool 04 · Loans
EMI Calculator
Home · Car · Personal · Education Loan
Loan Amount ₹30,00,000
Interest Rate (p.a.) 8.5%
Loan Tenure (Years) 20 Yrs
🏦 EMI Breakdown
Monthly EMI
₹26,034
Total Interest
₹32,48,160
Total Payment
₹62,48,160
P:I 48%
Principal
₹30,00,000
Interest
₹32,48,160
Year-wise Amortisation
YearPrincipalInterestBalance
📌Reducing balance method used. Standard for all Indian banks. Processing fees & charges not included.
🏡
Tool 10 · Loans
Home Loan Affordability
Max eligible loan · Salary-based
Net Monthly Salary ₹1,00,000
Interest Rate (p.a.) 8.75%
Loan Tenure (Years) 20 Yrs
FOIR (EMI/Income Cap) 40%
🏡 Affordability Result
Max Loan
₹49,01,580
Max EMI
₹40,000
Property Value (80% LTV)
₹61,26,975
🏦Banks apply FOIR of 40–50%. Your maximum eligible home loan is ₹49L based on current inputs.
📌FOIR = Fixed Obligation to Income Ratio. Actual eligibility may vary by bank, credit score, and existing EMIs.
⚖️
Tool 11 · Loans
Loan Comparison Tool
Compare 2 loan offers side-by-side
Loan A
Amount ₹20L
Rate 8.5%
Tenure 15 mo
Loan B
Amount ₹20L
Rate 9.5%
Tenure 15 mo
⚖️ Comparison Result
MetricLoan ALoan B
Monthly EMI₹19,683₹20,900
Total Interest₹15,42,940₹17,62,000
Total Payment₹35,42,940₹37,62,000
💰 Better Deal——
✅Calculating…
📌Always compare on total interest outgo, not just EMI. A lower EMI with longer tenure costs more overall.
⚡
Tool 12 · Loans
Loan Prepayment Savings
See how much you save by prepaying
Outstanding Loan Amount ₹40,00,000
Interest Rate (p.a.) 8.5%
Remaining Tenure (Months) 240 mo
Lump Sum Prepayment ₹5,00,000
⚡ Prepayment Impact
Months Saved
~32 Months
Interest Saved
₹8,42,000
New Tenure
208 Months
💸Prepaying ₹5L today saves you ₹8.4L in interest and closes your loan 32 months earlier.
📌Most banks allow prepayment without charges on floating-rate home loans. Check your loan agreement before prepaying.
💳
Tool 13 · Loans
Credit Card Interest Calculator
True cost of revolving credit card balance
Outstanding Balance ₹50,000
Monthly Interest Rate 3.5%
Monthly Payment You Make ₹5,000
💳 Credit Cost Reality
Months to Clear
14
Total Interest Paid
₹15,840
Effective Annual Rate
51.1%
🔥Credit cards charge ~42% p.a. Pay minimum and you'll pay 1.3× the principal in interest alone.
📌Indian credit cards charge 1.5%–3.6% per month (18%–43.2% p.a.). Always pay in full to avoid interest.
Investment

Investment & Wealth Calculators

SIP returns, lumpsum growth, FD/RD maturity, PPF corpus, and CAGR analysis — all with accurate Indian compounding formulas.

📈
Tool 05 · Investment
SIP Calculator
Monthly mutual fund SIP projection
Monthly SIP Amount ₹10,000
Expected Annual Return 12%
Investment Duration 15 Yrs
📈 SIP Wealth Projection
Future Corpus
₹50.46L
Total Invested
₹18.00L
Wealth Gained
₹32.46L
Invested36%
Returns64%
🌱₹10K/month for 15 years turns ₹18L invested into ₹50L+ corpus via power of compounding.
📌Returns are assumed constant. Actual MF returns vary. Past performance ≠ future returns. Consult your advisor.
🏛️
Tool 06 · Investment
FD / RD Calculator
Fixed Deposit & Recurring Deposit
Principal Amount ₹5,00,000
Annual Rate 7%
Tenure (Years) 3 Yrs
Monthly Deposit ₹10,000
Annual Rate 6.5%
Tenure (Months) 24 mo
🏛️ Maturity Calculation
Maturity Amount
₹6,12,520
Interest Earned
₹1,12,520
Effective Yield
7.00%
📌FD interest is taxable as per your income tax slab. TDS deducted at 10% if interest exceeds ₹40,000/year.
📌FD uses quarterly compounding. RD uses quarterly compounding on monthly deposits — standard Indian bank formula.
📘
Tool 07 · Investment
PPF Calculator
Public Provident Fund · 15-Year Lock-in
Annual Investment ₹1,50,000
PPF Interest Rate (p.a.) 7.1%
Tenure (Years) 15 Yrs
📘 PPF Corpus at Maturity
Maturity Value
₹40.68L
Total Invested
₹22.50L
Tax-Free Gain
₹18.18L
🎯PPF is EEE — investment, interest, and maturity are all tax-free. Best risk-free long-term instrument.
📌PPF is EEE (Exempt-Exempt-Exempt). Max ₹1.5L per year. Eligible for 80C deduction under Old Regime.
🔢
Tool 08 · Investment
CAGR Calculator
Compound Annual Growth Rate · Two modes
Initial Investment ₹1,00,000
Final Value ₹3,50,000
Holding Period (Years) 5 Yrs
Investment Amount ₹1,00,000
CAGR Rate 15%
Years 10 Yrs
🔢 CAGR Result
CAGR Achieved
28.5%
Total Return
250%
📊A 28.5% CAGR means your investment doubled every ~2.8 years.
📌CAGR smooths out year-to-year volatility. Sensex 10-year CAGR ≈ 13–15%. Nifty Midcap ≈ 17–22%.
💎
Tool 09 · Investment
Lumpsum Investment Calculator
One-time investment growth projection
Investment Amount ₹5,00,000
Expected Annual Return 12%
Duration (Years) 10 Yrs
💎 Lumpsum Growth
Future Value
₹15.53L
Gain
₹10.53L
Growth Multiple
3.1×
🚀₹5L invested at 12% for 10 years grows to ₹15.5L — Rule of 72: money doubles every 6 years at 12%.
📌Rule of 72: Divide 72 by the rate to get doubling years. At 12% → doubles in 6 years.
Retirement

Retirement & Long-Term Savings

Plan your retirement corpus, calculate NPS projections, statutory gratuity, and understand how inflation erodes your purchasing power.

🎯
Tool 14 · Retirement
Retirement Corpus Planner
How much do you need to retire?
Current Age 30 Yrs
Retirement Age 60 Yrs
Monthly Expenses Today ₹50,000
Inflation Rate 6%
Post-Retirement Return 7%
Life Expectancy 85 Yrs
🎯 Retirement Corpus Needed
Corpus Required
₹5.84Cr
Years to Retire
30 Yrs
Monthly Expense at Retirement
₹2,87,175
Monthly SIP Needed (12%)
₹28,450
Lumpsum Needed Now (12%)
₹17,22,000
🎯At 6% inflation, ₹50K/month today = ₹2.87L/month at retirement. You need ₹5.84Cr corpus.
📌The 25× rule: multiply annual expenses by 25 for a simple corpus estimate. This tool uses inflation-adjusted, survival-based calculation.
🏛️
Tool 15 · Retirement
NPS Calculator
National Pension System · Tier I
Monthly Contribution ₹10,000
Current Age 30 Yrs
Expected Return (p.a.) 10%
Annuity Rate 6%
🏛️ NPS Maturity at 60
Total Corpus
₹2.28Cr
Lump Sum (60%)
₹1.37Cr
Annuity (40%)
₹91.2L
Monthly Pension
₹45,600
Tax Saving (80CCD)
₹46,800/yr
🏛️NPS gives additional ₹50K deduction under 80CCD(1B) beyond the ₹1.5L 80C limit.
📌At maturity: 60% lump sum is tax-free. 40% must be used to buy annuity (pension). Additional ₹50K deduction under 80CCD(1B).
🎁
Tool 16 · Retirement
Gratuity Calculator
Statutory gratuity · Payment of Gratuity Act 1972
Last Drawn Monthly Salary (Basic+DA) ₹80,000
Years of Service 10 Yrs
🎁 Gratuity Amount
Gratuity Payable
₹3,69,231
Tax-Free Limit
₹20,00,000
Taxable Gratuity
₹0
Formula Used
15/26 × Salary × Years
✅Gratuity up to ₹20L is fully tax-free for government and private sector employees.
📌Act Covered: (15/26) × Last Salary × Years. Not Act Covered: (15/30) × Last Salary × Years. Minimum 5 years service required.
📉
Tool 17 · Retirement
Inflation Impact Calculator
Real value of money over time
Current Amount / Expenses ₹1,00,000
Inflation Rate 6%
Years 20 Yrs
📉 Inflation Impact
Future Value Needed
₹3,20,714
Purchasing Power Lost
68.8%
Today's ₹1L = Future
₹31,180
⚠️At 6% inflation, ₹1L today requires ₹3.2L in 20 years for the same lifestyle. Invest to beat inflation.
📌India's average CPI inflation: 5–7% historically. FD returns at 7% barely beat 6% inflation after taxes.
Advanced

Advanced Financial Planning Tools

Net worth snapshot, budget allocation, and goal-based savings planning — the three pillars of serious personal finance management.

💰
Tool 18 · Advanced
Net Worth Calculator
Total Assets minus Total Liabilities
Assets
Cash & Bank Balances ₹5,00,000
Stocks & Mutual Funds ₹10,00,000
Real Estate Value ₹50,00,000
PF / NPS / PPF / Gold ₹8,00,000
Liabilities
Home / Car Loan Outstanding ₹30,00,000
Credit Card & Personal Loans ₹50,000
💰 Net Worth Snapshot
Total Assets
₹73.00L
Total Liabilities
₹30.50L
Net Worth
₹42.50L
Assets70%
Liabilities30%
💡Your net worth is ₹42.5L. Debt-to-asset ratio: 30%. A healthy ratio is below 40%.
📌Track net worth quarterly. Growing net worth = financial health. Target: net worth ≥ 25× annual expenses for financial independence.
📋
Tool 19 · Advanced
Budget Planner (50/30/20)
Monthly budget allocation framework
Monthly Take-Home Income ₹1,00,000
Needs % (Housing, Food, Bills) 50%
Wants % (Lifestyle, Dining) 30%
📋 Budget Allocation
Needs (Essentials)
₹50,000
Wants (Lifestyle)
₹30,000
Savings / Invest
₹20,000
Needs50%
Wants30%
Savings20%
💡50/30/20 rule: Save ₹20K/month. In 1 year that's ₹2.4L. In 10 years at 12% SIP = ₹46L corpus.
📌The 50/30/20 rule by Elizabeth Warren is a simple, proven framework. Adjust percentages to your city and lifestyle.
🎪
Tool 20 · Advanced
Savings Goal Planner
How much to save monthly to reach your goal
Target Amount (Goal) ₹25,00,000
Current Savings ₹2,00,000
Expected Return (p.a.) 12%
Time to Goal (Years) 5 Yrs
🎪 Goal Planner Result
Monthly SIP Required
₹29,460
Amount Still Needed
₹21,61,880
Current Savings Value at Goal
₹3,52,471
🎯To reach ₹25L in 5 years, save ₹29,460/month at 12%. Your ₹2L already grows to ₹3.52L.
📌Common goals: Wedding (₹20–50L), Child education (₹50L–2Cr), Dream home down payment (₹20–50L), World trip (₹5–15L).
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