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15+ Free Financial Calculators Online

Calculate home loan EMI, SIP returns, taxes, retirement planning & more instantly. Trusted by 50,000+ users for financial planning.

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Get instant answers to your financial questions without complex spreadsheets

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15+ Financial Calculators

Click on any calculator to start planning your finances

EMI Calculator - All Loan Types

Calculate EMI for home loan, car loan, personal loan, education loan

Monthly EMI
₹21,682
For ₹25,00,000 loan at 8.5% for 20 years
Total Payment
₹52,03,680
Principal Amount
₹25,00,000
Total Interest
₹27,03,680
Interest %
52.0%

SIP Calculator - Systematic Investment Plan

Calculate potential returns on your monthly SIP investments

Future Value
₹23,23,391
For ₹10,000 monthly SIP for 10 years at 12% return
Total Investment
₹12,00,000
Wealth Gained
₹11,23,391
Absolute Return
93.6%
Annualized Return
12.0%

Income Tax Calculator - FY 2023-24

Calculate tax under both old and new regime with deductions

Old Regime
New Regime
Tax Liability
₹1,12,500
Under Old Regime with deductions
Taxable Income
₹9,30,000
Tax under Old Regime
₹1,12,500
Tax under New Regime
₹1,31,000
Recommended

PPF Calculator - Public Provident Fund

Calculate PPF maturity amount with tax-free compounding interest

PPF Maturity Amount
₹40,68,209
For ₹1,50,000 annual investment for 15 years at 7.1%
Total Investment
₹22,50,000
Interest Earned
₹18,18,209
Annualized Return
7.1%
Tax Benefit (80C)
₹46,800/year

FD Calculator - Fixed Deposit

Calculate Fixed Deposit maturity with compound interest

FD Maturity Amount
₹6,85,032
For ₹5,00,000 deposit for 5 years at 6.5% interest
Total Investment
₹5,00,000
Interest Earned
₹1,85,032
Annualized Return
6.5%
Post-tax Return*
4.55%

RD Calculator - Recurring Deposit

Calculate Recurring Deposit maturity with quarterly compounding

RD Maturity Amount
₹7,02,476
For ₹10,000 monthly deposit for 5 years at 6% interest
Total Investment
₹6,00,000
Interest Earned
₹1,02,476
Annualized Return
6.0%
Effective Annual Yield
6.14%

Retirement Calculator

Plan your retirement corpus based on expenses and inflation

Retirement Corpus Needed
₹4.87 Cr
For retirement at age 60 with current expenses of ₹50,000
Years to Retirement
30
Monthly Expenses at Retirement
₹2,87,174
Monthly SIP Required
₹20,584
Total Savings Period
30 years

NPS Calculator - National Pension Scheme

Calculate your NPS corpus at retirement with different allocations

NPS Corpus at Retirement
₹94.7 L
For ₹5,000 monthly contribution for 30 years at 9% return
Total Contribution
₹18,00,000
Wealth Gained
₹76.7 L
Annualized Return
9.0%
Tax Benefit (80CCD)
₹12,500/year

Lumpsum Calculator

Calculate future value of a one-time lumpsum investment

Future Value
₹15.53 L
For ₹5,00,000 lumpsum investment for 10 years at 12% return
Total Investment
₹5,00,000
Wealth Gained
₹10.53 L
Absolute Return
210.6%
Annualized Return
12.0%

Home Affordability Calculator

Calculate how much home you can afford based on income

Home Price You Can Afford
₹77.42 L
Based on ₹15,00,000 annual income with 40% EMI allocation
Maximum Loan Amount
₹67.42 L
Monthly EMI
₹50,000
Down Payment
₹10,00,000
Total Interest Payable
₹52.58 L

Car Loan Calculator

Calculate car loan EMI with down payment and special features

Car Loan EMI
₹16,718
For ₹10,00,000 car with ₹2,00,000 down payment for 5 years
Loan Amount
₹8,00,000
Total Payment
₹10,03,080
Total Interest
₹2,03,080
Interest % of Car Price
20.3%

Personal Loan Calculator

Calculate personal loan EMI with processing fee

Personal Loan EMI
₹13,166
For ₹5,00,000 personal loan for 4 years at 12% interest
Total Payment
₹6,31,968
Total Interest
₹1,31,968
Processing Fee
₹10,000
Effective Interest Rate
12.4%

Education Loan Calculator

Calculate education loan EMI with moratorium period

Education Loan EMI
₹15,624
For ₹10,00,000 education loan for 10 years at 8.5% interest
Total Payment
₹18,74,880
Total Interest
₹8,74,880
Loan Disbursal Period
3 years
Repayment Starts After
4 years

GST Calculator - Goods & Services Tax

Calculate GST amount for different tax slabs

Total Amount
₹11,800
Base amount ₹10,000 + 18% GST ₹1,800
Base Amount
₹10,000
CGST (9%)
₹900
SGST (9%)
₹900
Total GST
₹1,800

Gratuity Calculator

Calculate gratuity amount as per Payment of Gratuity Act

Gratuity Amount
₹1,73,077
For 10 years of service with last salary ₹75,000
Last Drawn Salary
₹75,000
Years of Service
10 years
Formula Used
(Salary × 15 × Years)/26
Maximum Gratuity*
₹20,00,000

What Our Users Say

Real feedback from real users

★★★★★

"Finally found an EMI calculator that actually works! Helped me negotiate better loan terms with my bank."

Rajesh K.
Bangalore
★★★★★

"As a freelancer, the tax calculator saved me hours of work. So simple to use and accurate!"

Priya M.
Delhi
★★★★★

"Used the SIP calculator to plan my mutual fund investments. Accurate, easy, and completely free!"

Amit S.
Mumbai
★★★★★

"The retirement calculator gave me a clear picture of how much I need to save monthly. Very helpful!"

Sneha R.
Chennai

Frequently Asked Questions

Find answers to common questions about FinanceTools

Is FinanceTools really free?

Yes, absolutely! All our calculators are 100% free to use. There are no hidden charges, no trials, and no credit card required. We believe financial planning should be accessible to everyone.

Do I need to create an account?

No account creation is required. You can use all our calculators immediately without any signup. Your privacy is important to us, and we don't store your personal information.

How accurate are the calculations?

Our calculations are based on standard financial formulas used by banks and financial institutions. While we strive for 100% accuracy, please note that actual loan terms may vary slightly based on the lender's policies.

Can I save my calculations?

Yes! You can take a screenshot or use your browser's print function to save your calculations. We're working on adding a feature to export results as PDF for even easier saving.

Is my financial data safe?

Completely safe! We don't store any of your calculation data on our servers. All calculations happen in your browser, and your information never leaves your device.

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Comprehensive Guide to Financial Calculators

Everything you need to know about financial planning with our expert tools

Loan Calculators

Use our EMI calculator to determine monthly payments for home loans, car loans, personal loans, and education loans. Our advanced algorithms factor in interest rates, loan tenure, and processing fees to give you accurate results.

  • Home Loan EMI Calculation
  • Car Loan Affordability
  • Personal Loan Planning
  • Education Loan Projections
Try Loan Calculator

Investment Calculators

Plan your investments with our SIP calculator, lumpsum calculator, and retirement calculator. Calculate future value, returns, and corpus requirements for all investment types including PPF, FD, RD, NPS, and mutual funds.

  • SIP Returns Projection
  • Lumpsum Investment Growth
  • Retirement Corpus Planning
  • FD/RD Maturity Calculation
Try Investment Calculator

Tax Calculators

Optimize your tax savings with our income tax calculator for FY 2023-24. Compare old vs new regime, calculate deductions under Section 80C, 80D, HRA, and plan your taxes efficiently.

  • Old vs New Regime Comparison
  • Section 80C Deductions
  • HRA Exemption Calculation
  • Tax Liability Estimation
Try Tax Calculator