Financial calculators for India
Plan with the number you'll actually live with.
See what your salary, investments, and loans mean after inflation, tax, and total costs, not just the headline nominal figure.
Choose what to calculateThe Reality Lens
Illustrative estimates, not personalised results. Returns, inflation, and lending rates are assumptions; actual outcomes vary.
Don't stop at the big number
Enter your numbers, include the costs that apply, and test the result.
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Enter your numbers
Add the amount, time period, and rate for the decision you are working on.
- 2
Include inflation and tax
Apply the relevant costs and compare them with the original projection.
- 3
Try another assumption
Change the rate or time period and see how much room your plan has.
What are you planning?
Pick the question closest to yours. You can change every input.
SIP Calculator
Project a monthly SIP, add annual step-ups, then account for inflation and LTCG tax.
Calculate →Salary Calculator
Turn your CTC into an estimated monthly in-hand salary, with EPF, professional tax, and TDS shown separately.
Calculate →Income Tax Calculator
Compare old vs new regime side-by-side. See which saves more tax based on your actual deductions.
Calculate →EMI Calculator
See how much of your home loan EMI goes to interest. On a 20-year loan, you might pay more in interest than the loan itself.
Calculate →Or choose by what you need to do
Grow investments
Plan retirement
Save for family goals
Manage salary & property
Explore by topic
Plan one milestone at a time
Find calculators, guides, and planning steps for each financial decision.
Investments
SIP, lumpsum compounding, and annualized CAGR returns.
Retirement
Retirement corpus, safe withdrawal rates, EPF, NPS, and PPF.
Salary & Tax
Take-home salary breakup, HRA tax exemption, and tax regimes.
Loans & Debt
Loan EMI, total interest cost, and amortization schedules.
Property & Home Buying
Stamp duty, registration charges, and total home buying cost.
Deposits & Government Schemes
Fixed Deposit, Recurring Deposit, and PPF interest rates.
Family Goals
Children's education planning and Sukanya Samriddhi Yojana (SSY).
Use what you found
Keep going while the numbers are fresh
How much should you invest every month?
Use your salary, expenses, and goals to find a monthly amount you can sustain.
Read the guide → Plan a goalWhat does it take to reach ₹1 crore by 40?
Compare the monthly SIP needed at different starting ages. The numbers show what waiting costs.
Read the guide → Choose an investmentIs an FD still worth it in 2026?
Compare the advertised rate with what remains after tax and inflation.
Read the guide → Keep more salaryOld or new tax regime: which saves more?
Find the deduction level where the old regime starts to beat the new one.
Read the guide →What changes the final number?
You choose the assumptions. The calculator keeps each deduction visible so you can check the result yourself.
Inflation shrinks what money buys
At an assumed 6% annual inflation rate, ₹1 crore in 20 years has about ₹31 lakhs of today's purchasing power. Change the rate in applicable calculators to test another assumption.
Tax changes what you keep
Equity calculators can apply 12.5% LTCG plus 4% cess on gains above the ₹1.25 lakh exemption. Deposit calculators let you choose the relevant income-tax slab.
The calculation stays visible
Calculators use standard compound-interest, annuity, and amortization formulas, then show relevant inflation or tax adjustments separately.
Run the numbers for your next decision
It takes about a minute. There is no sign-up, and your financial inputs are not sent to our analytics.