Financial Calculators & Investment Planners
Welcome to our comprehensive suite of free financial calculators, designed to give you clarity and precision across your personal wealth planning, loan calculations, taxes, and long-term investments. From evaluating Systematic Withdrawal Plans (SWP) and Systematic Investment Plans (SIP) to planning home loans, personal loans, and customized EMI repayment schedules, each utility runs completely within your web browser.
We prioritize mathematical integrity and practical real-world applicability. Our financial calculation engines account for periodic compounding, amortized repayment schedules, and statutory contribution rules without storing or transmitting your sensitive monetary figures. By computing directly on the client side, your financial balances, salaries, and interest rate experiments remain private, shielded from external server storage, analytics profiling, or data harvesting.
Whether you are budgeting monthly expenses, projecting compounding interest over multi-decade retirement horizons, comparing fixed versus reducing interest rates, or calculating tax deductions, these tools provide actionable transparency. Every calculator features mathematical explanations, worked formulas, and real examples so you can verify calculations independently before making critical financial decisions. Use our interactive tools to gain control of your financial future today.
swp calculator
in: total investment, monthly withdrawal, expected return % p.a., years, optional yearly step-up % of withdrawal. out: total withdrawn, final balance, year-wise table + chart. Monthly loop: bal = bal*(1+r/12) - w. Flag when corpus runs out.
pf calculator
EPF corpus. in: monthly basic+DA, employee % (12), employer % (12; 8.33% goes to EPS capped on 15,000 wage), current age, retire age, annual salary hike %, current balance, EPF rate (default from data/rates.json, editable). out: corpus at retirement, own vs employer split, interest earned, year table.
discount calculator
modes: (1) price + discount % -> final price, you save; (2) price + final price -> discount %; (3) two successive discounts -> effective %. Optional tax % on final.
xirr calculator
in: dated cash-flow rows (negative = invest, positive = receive), add/remove rows, paste CSV. out: XIRR % via Newton-Raphson with bisection fallback; sum(cf_i/(1+x)^((d_i-d_0)/365))=0. Validate: needs both signs.
personal loan emi calculator
EMI = P*r*(1+r)^n/((1+r)^n-1), r=rate/12/100, n in months. in: amount, rate, tenure (yr/mo toggle), optional processing fee %. out: EMI, total interest, total payment, principal/interest split chart, amortization table. Uses shared EMI engine.
gst calculator
in: amount, GST rate from data/gst-rates.json + custom (India restructured its GST slabs in 2025: do NOT assume the old 5/12/18/28 set; take the current slabs from the official GST/CBIC source and record source_url + last_verified), mode add GST / remove GST. out: GST amount, net, total, CGST/SGST (intra-state) or IGST split.
daily sip calculator
in: daily amount, expected return % p.a., years, days per year (365 / 260 working days). Per-day rate i=r/days; FV = P*(((1+i)^n-1)/i)*(1+i). out: invested, gains, maturity, yearly table.
lot size calculator
Forex position size. in: account balance, account currency, risk %, stop loss pips, pair (pip value per standard lot table in data). lots = (balance*risk%)/(SL_pips*pipValuePerLot). out: lots, units, risk amount.
car loan emi calculator
Shared EMI engine + car price, down payment, loan = price - down, rate, tenure. out: EMI, total interest, total cost of car incl. down payment, schedule.
home loan calculator
Shared EMI engine + optional monthly/yearly part-prepayment and rate change. out: EMI, total interest, months saved with prepayment, yearly amortization table.
sip
SIP returns. in: monthly amount, return % p.a., years, optional yearly step-up %. i=r/12; FV = P*(((1+i)^n-1)/i)*(1+i). out: invested, est. returns, total value, chart. (Also absorbs 'sip calculator finology'.)
scss calculator
Senior Citizens Savings Scheme. in: deposit (max 30,00,000 from data), rate (data/rates.json), tenure 5y (+3y extension). Quarterly payout = P*r/4. out: quarterly & monthly-equivalent payout, total interest. Show scheme limits from data.
cash calculator
Currency-note counter. in: count for each denomination (INR 500/200/100/50/20/10 + coins; make denomination set switchable). out: total, total notes, amount in words (Indian system).
reducing emi calculator
Reducing-balance EMI (same engine) + comparison vs flat-rate loan: effective rate for a flat rate. Flat: interest = P*rate*years; show effective annual rate via IRR of the EMI stream.
emi calculator
Generic EMI engine page: loan, rate, tenure; out EMI, interest, total, schedule; yearly/monthly toggle. This is the canonical EMI page; other EMI pages link to it.
gpf calculator
General Provident Fund. in: monthly subscription, opening balance, interest rate (data/rates.json, editable), years, optional yearly subscription increase. Interest on monthly running balance, credited yearly. out: maturity, contributions, interest.
gann square of 9 calculator
in: price. Using sqrt method: level(n) = (sqrt(P) + n*step)^2 for step in {0.125, 0.25, 0.5, 1.0}, n = -8..+8. out: support/resistance table, highlight cardinal/ordinal cross angles. Add 'educational, not advice' note.
mortgage loan calculator
US-style. in: home price, down payment ($ or %), rate, term (15/20/30), property tax %/yr, home insurance/yr, HOA/mo, optional PMI %. out: monthly P&I, monthly total PITI, total interest, amortization table.
compound interest calculator
in: principal, rate, compounding frequency (annual...daily), years, optional monthly contribution. A = P(1+r/n)^(nt) + contribution FV series. out: balance, interest earned, year-by-year table + chart.
lump sum amount
Lump-sum investment/maturity. in: principal, return % p.a., years, compounding (yearly default), optional inflation %. FV = P*(1+r/n)^(n*t); real value = FV/(1+infl)^t. (Verify SERP intent before writing copy.)