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Calculators
Forty-five tools for investing, borrowing, tax, saving and planning, built on the rules in force today. Every one shows its formula, draws a chart, lets you compare two scenarios and gives you a link to share.
Invest
SIP calculator
What a monthly investment grows to, with an optional yearly step-up.
Step-up SIP calculator
Raise your SIP every year and see how much more you end up with.
Lumpsum calculator
The future value of a one-time investment.
Goal SIP calculator
The monthly SIP you need to reach a target by a date.
Cost of delay calculator
What waiting a few years to start investing really costs.
SWP calculator
How long a corpus lasts when you withdraw a fixed sum every month.
CAGR calculator
The steady yearly growth rate between two values.
Compound interest calculator
Interest on interest, yearly to daily, against simple interest.
Borrow
EMI calculator
Instalment, total interest and the balance for any loan.
Home loan EMI calculator
EMI, interest and processing fee for a housing loan.
Home loan eligibility calculator
How much a lender may give you, and the property budget it supports.
Loan prepayment calculator
Interest saved and months cut by paying part of a loan early.
Car loan EMI calculator
Monthly instalment and true cost of a car loan.
Personal loan EMI calculator
EMI, interest and fees for an unsecured loan.
Education loan EMI calculator
Repayments for a study loan in India or abroad.
Flat vs reducing rate calculator
The real interest rate behind a “flat rate” quote.
Credit card interest calculator
How long a card balance takes to clear, interest and GST included.
Rent vs buy calculator
Who ends up wealthier: the buyer or the renter who invests.
Tax and salary
Income tax calculator
New vs old regime for FY 2026-27, side by side.
Salary calculator
CTC to monthly take-home after PF, gratuity and tax.
HRA calculator
How much house rent allowance is exempt.
Gratuity calculator
Gratuity on leaving a job, and how much is tax-free.
Capital gains tax calculator
Tax on selling shares and equity funds.
GST calculator
Add or remove GST, with the CGST and SGST split.
Save safely
FD calculator
Fixed deposit maturity and effective yield.
RD calculator
Recurring deposit maturity with quarterly compounding.
PPF calculator
Public Provident Fund balance at 7.1%, year by year.
Sukanya Samriddhi calculator
Maturity of a daughter’s SSY account at 8.2%.
SCSS calculator
Quarterly income from the Senior Citizens Savings Scheme.
NSC calculator
Five-year National Savings Certificate at 7.7%.
Kisan Vikas Patra calculator
When your money doubles, at 7.5%.
Post Office MIS calculator
Monthly income from the post office scheme at 7.4%.
Simple interest calculator
Interest on principal only, compared with compounding.
Plan
Retirement calculator
The corpus you need and the SIP that builds it.
NPS calculator
Corpus, lump sum and pension under the 2025 exit rules.
EPF calculator
Provident fund at retirement at 8.25%.
FIRE calculator
The age at which work becomes optional.
Life cover calculator
The term insurance your family actually needs.
Emergency fund calculator
Your safety-net target and how fast you reach it.
Net worth calculator
Everything you own minus everything you owe.
Inflation calculator
What today’s costs become in future rupees.
Everyday
Gold price calculator
Jewellery price with purity, making charges and GST.
50/30/20 budget calculator
Split take-home pay into needs, wants and savings.
Percentage calculator
Percentages, shares and percentage change.
Discount calculator
The real price after stacked discounts.
Rupees in words
Any amount written out for a cheque, in lakh and crore.
Rupee converter
Live rates for 25 currencies.
Getting useful answers from a calculator
A calculator is only as good as its assumptions. Run a cautious case beside your expected one: if you assume 12% a year for equity, look at 9% too. Think in today’s rupees for long goals by pairing any result with the inflation calculator. And remember what sits outside most formulas: fund expense ratios, loan processing fees and tax on interest all reduce what you keep.
Every calculator has a Compare tab. Pin your current inputs as scenario A, change one number, and see the difference line by line. Use Save to keep a result in My Rupya on this device.