15 Financial ToolsIndian Banking & Tax Rules

Finance Calculators

Make confident decisions on loans, investments, taxes, and retirement. Precision tools built for how Indian banking, mutual funds, EPF/PPF, and income tax laws actually work.

RBI Quarterly CompoundingLatest Union Budget Slabs100% Client-Side Private

All Money & Finance Calculators

Explore our full suite of 15 wealth creation, loan amortization, direct tax, and retirement planning calculators.

Loans & Borrowing

Loan EMI Calculator

Calculate monthly EMI, total interest payable, and amortization schedules for home, car, or personal loans.

Reducing BalanceAmortization TablePrepayment
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Mutual Funds

SIP Calculator

Forecast wealth accumulation from monthly SIP investments with compounding returns and inflation adjustments.

Monthly SIPCompounding CurveTarget Corpus
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Wealth Growth

Lumpsum Calculator

Determine maturity value and capital gains for one-time mutual fund or equity portfolio investments.

One-Time DepositCAGR CompoundingTenure Matrix
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Term Deposits

Fixed Deposit (FD) Calculator

Calculate maturity amounts with quarterly compounding as mandated by Indian public and private sector banks.

Quarterly CompoundSenior Citizen RatesTDS Aware
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Bank Savings

Recurring Deposit (RD) Calculator

Compute maturity values for regular monthly bank recurring deposits with quarterly compounding interest.

Monthly InstallmentBank YieldTenure Milestones
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Sovereign Savings

PPF Calculator

Calculate 15-year Public Provident Fund growth, annual interest credits, and EEE tax-exempt maturity wealth.

7.1% SovereignEEE Tax Free15-Year Lock-In
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Retirement Benefits

EPF Calculator

Track your retirement nest egg with 12% employee + 12% employer contributions, annual increments, and EPFO interest.

EPFO 8.25%Employer SplitRetirement Corpus
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Investment Math

Compound Interest Calculator

Model compound interest with customizable compounding frequencies (annual, semi-annual, quarterly, monthly, daily).

Interest on InterestCompounding FrequenciesRule of 72
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Direct Accrual

Simple Interest Calculator

Quick, transparent interest calculation based on principal, annual interest rate, and duration without compounding.

PRT / 100Flat Rate LoansDirect Yield
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Direct Taxes

Income Tax Calculator

Compare tax liability under the New vs Old Tax Regime with standard deduction, Section 87A rebate, and surcharge.

New vs Old RegimeSec 87A RebateSurcharge & Cess
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Indirect Taxes

GST Calculator

Calculate inclusive and exclusive GST across the 5%, 18%, and 40% slabs with CGST/SGST/IGST breakdown.

Inclusive & ExclusiveCGST / SGST SplitReverse Charge
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Statutory Gratuity

Gratuity Calculator

Calculate tax-exempt gratuity entitlement under the Payment of Gratuity Act 1972 using the 15/26 service formula.

15/26 Formula5+ Years Eligibility₹20L Tax Exemption
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Payroll & CTC

In-Hand Salary Calculator

Translate annual Cost to Company (CTC) into exact monthly take-home pay after PF, Professional Tax, and TDS deductions.

CTC to In-HandPF / PT DeductionsTax Shield
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Tax Exemption

HRA Exemption Calculator

Determine your maximum tax-exempt House Rent Allowance under Section 10(13A) using the 3-rule statutory formula.

Metro vs Non-MetroSection 10(13A)Tax Savings
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Pension & Wealth

NPS Calculator

Project National Pension System retirement corpus, 60% tax-free lumpsum payout, and 40% monthly annuity pension.

80CCD(1B) ₹50kLumpsum vs AnnuityPFRDA Guidelines
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Indian Financial & Statutory Standards

Every formula in the Money & Finance suite strictly follows RBI banking circulars, Income Tax Department directives, and statutory wage guidelines.

RBI Compounding Standards

Fixed and recurring deposits strictly follow Indian banking quarterly compounding conventions per Reserve Bank of India directives.

Statutory Tax Regimes (FY 2026-27)

Income tax, HRA, and gratuity calculations incorporate the latest Union Budget tax slabs, standard deductions, and Section 87A rebate rules.

Sovereign EPFO & PPF Rates

Provident fund tools track active Ministry of Finance and EPFO gazetted interest rates for true-to-life retirement planning.

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Every salary figure, loan amount, and tax deduction is computed entirely in your browser memory. Zero financial PII is ever transmitted.

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