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36 free calculators for salary, tax, investments, real estate, retirement & loans. No opinions — just verified data, transparent math, and tools trusted by 50,000+ Indians every month.
Financial Calculators
36 free calculators covering salary, tax, investments, real estate, retirement, and loans
SIP & Investments
(7)SIP Calculator
Calculate mutual fund SIP returns with expense ratio impact. See how monthly investments grow with compounding.
Step-Up SIP Calculator
SIP with annual step-up, inflation adjustment, expense ratio impact & LTCG tax calculation.
Lumpsum Calculator
Lumpsum investment future value with LTCG tax (12.5%), inflation-adjusted real returns, and growth chart.
ELSS Calculator
Calculate ELSS mutual fund returns with Section 80C tax benefit. 3-year lock-in with LTCG computation.
MF Returns Calculator
Compare mutual fund returns with expense ratio impact. Direct vs regular plan wealth difference.
Brokerage Calculator
Compare brokerage charges across discount and full-service brokers. STT, GST, SEBI fees included.
CAGR Calculator
Calculate Compound Annual Growth Rate for investments, revenue, or any metric over a given period.
Tax & Salary
(6)Salary Calculator
CTC to in-hand salary breakdown. See basic, HRA, PF, tax deductions, and take-home pay.
Income Tax Calculator
FY 2025-26 income tax with Old vs New regime. All deductions, surcharge, and cess computed.
Tax Regime Comparator
Old vs New tax regime — see which saves more with all deductions: 80C, 80D, HRA, NPS & more.
HRA Calculator
Calculate HRA tax exemption under Section 10(13A). See all 3 rules and find your maximum tax-free allowance.
Gratuity Calculator
Calculate gratuity using PGA 1972 formula. Covered & non-covered employees, Sec 10(10) exemption up to ₹20L.
Capital Gains Tax
LTCG & STCG tax on equity, debt, and property. Budget 2024 rates with Section 54 exemptions.
Real Estate
(6)Rent vs Buy
Should you buy a home or keep renting? City-specific analysis for Mumbai, Bangalore, Delhi, Pune & Hyderabad.
EMI Calculator
EMI with prepayment simulator — see how much interest you save and years you reduce.
Stamp Duty Calculator
Calculate stamp duty, registration & total acquisition cost across 10 Indian states. Women buyer discounts included.
Home Loan Eligibility
Check how much home loan you qualify for based on income, existing EMIs, and bank FOIR norms.
Rental Yield
Calculate gross yield, net yield, cap rate, and cash-on-cash return on your rental property investment.
PMAY Subsidy
Calculate PMAY CLSS subsidy benefit. Check EWS, LIG, MIG-I, MIG-II eligibility and reduced EMI.
Fixed Income & Savings
(7)FD Calculator
Fixed deposit maturity value with TDS, senior citizen rates. Compare bank-wise returns.
PPF Calculator
Estimate PPF maturity value at 7.1% with EEE tax benefit. Year-by-year growth and partial withdrawal info.
RD Calculator
Recurring deposit maturity with quarterly compounding. Monthly deposit growth with post-tax returns.
SSY Calculator
Sukanya Samriddhi Yojana maturity at 8.2% with EEE benefits, 50% withdrawal at 18, year-by-year balance.
EPF Calculator
EPF corpus at retirement with 8.25% interest, VPF top-up, salary growth, and EEE tax benefits.
Simple Interest
Calculate simple interest on deposits and loans. Compare SI vs CI side by side.
Compound Interest
Calculate compound interest with different compounding frequencies — daily, monthly, quarterly, yearly.
Retirement & Planning
(5)NPS Calculator
NPS Tier 1 corpus at retirement, monthly pension from annuity, tax-free 60% lumpsum, 80CCD(1B) savings.
FIRE Calculator
Your FIRE number, safe withdrawal rate, passive income, and years to financial independence.
SWP Calculator
Systematic Withdrawal Plan — plan monthly withdrawals from your mutual fund corpus after retirement.
Emergency Fund
Personalised 3–12 month recommendation based on income type, dependents, and risk profile.
Education Cost Planner
Plan for IIT, IIM, MBBS costs with education inflation. Calculate the monthly SIP to build the required corpus.
Loans & Insurance
(4)Car Loan EMI
Car loan EMI with down payment, tenure, and total interest calculation. Compare bank offers.
Term Insurance
Ideal life cover using HLV, income replacement, and needs-based methods. India-specific premium estimates.
Gold Investment
Compare SGB, digital gold, and physical gold returns. Track gold price growth with making charges.
Inflation Calculator
See how CPI inflation erodes purchasing power. Calculate future cost of goods and real returns.
Data & Rates
Live financial data updated after every RBI policy and budget announcement
Explore Guides & Comparisons
In-depth guides and side-by-side comparisons for every financial decision
Real Estate
8 calculators · 13 guides · 7 comparisons
6 real estate calculators with guides and comparisons for property buying, EMI, stamp duty, rental yield, PMAY subsidy, and capital gains tax in India.
Explore Real EstateTax & Income
6 calculators · 22 guides · 3 comparisons
3 tax calculators with guides and comparisons for income tax regime, HRA exemption, and gratuity calculation in India.
Explore Tax & IncomeInvestments
16 calculators · 20 guides · 11 comparisons
6 investment calculators with guides and comparisons for SIP, step-up SIP, lumpsum, PPF, NPS, and EPF in India.
Explore InvestmentsPlanning & Protection
6 calculators · 10 guides · 1 comparisons
5 planning calculators with guides and comparisons for emergency fund, FIRE, term insurance, SSY, and education cost planning.
Explore Planning & Protection
Founding Partner, Tykhe Ventures · Founder, Kompella Technologies
Founding Partner at Tykhe Ventures ($20M AUM, early-stage investing) and Founder of Kompella Technologies, which provides fractional CTO/CPO services to funded startups. NISM XIX-C certified. Built RupayWise because the financial tools available in India were either oversimplified or designed to sell you a product — not help you decide.