Free Financial Calculators India
36 free calculators for every financial decision — from SIP and EMI to tax planning, stamp duty, and retirement. Built by an NISM XIX-C certified professional, backed by 230+ test cases, and used by thousands of Indians every month.
Real Estate
View category →Rent vs Buy
Should you buy a home or keep renting? City-specific NPV 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
Calculate stamp duty, registration & total acquisition cost across Maharashtra, Karnataka, Delhi, TN & Telangana.
Rental Yield
Calculate gross yield, net yield, cap rate, and cash-on-cash return on your rental property. Compare rental income vs property appreciation to make informed investment decisions.
PMAY Subsidy
Calculate your PMAY Credit Linked Subsidy Scheme (CLSS) benefit. Find out if you're eligible under EWS, LIG, MIG-I, or MIG-II category and compute the exact subsidy amount and reduced EMI.
Capital Gains Tax
Calculate LTCG and STCG tax on property sale in India. Compare old regime (20% + indexation) vs new regime (12.5%, post-Budget 2024). Apply Section 54 and 54EC exemptions.
Tax & Income
View category →Tax Regime
Old vs New tax regime — see which saves more with all deductions: 80C, 80D, HRA, NPS & more.
HRA
Calculate HRA tax exemption under Section 10(13A). See all 3 rules and find your maximum tax-free allowance.
Gratuity
Calculate gratuity using the Payment of Gratuity Act 1972 formula. Covers covered and non-covered employees, rounding rules, and Sec 10(10) tax exemption up to ₹20 lakh.
Salary Calculator
Convert your CTC to monthly in-hand salary. Compare old vs new tax regime side-by-side with HRA, EPF, professional tax, and 80C/80D savings.
Investments
View category →SIP
Calculate SIP returns with expense ratio impact. See how your monthly investment grows with compounding.
Step-Up SIP
SIP with annual step-up, inflation adjustment, expense ratio impact & LTCG tax calculation.
Lumpsum
Calculate lumpsum investment future value with LTCG tax (12.5%), inflation-adjusted real returns, and year-by-year growth chart.
PPF
Calculate PPF maturity value at 7.1% with EEE tax benefit. Year-by-year growth and partial withdrawal info.
NPS
Calculate NPS Tier 1 corpus at retirement, monthly pension from annuity, tax-free lumpsum (60%), and tax savings under 80CCD(1B).
EPF
Calculate EPF corpus at retirement with 8.25% interest (FY 2025-26), VPF top-up, salary growth, and EEE tax benefits.
Simple Interest
Calculate simple interest on any principal amount. See year-by-year interest accumulation with India's most intuitive SI calculator.
Compound Interest
Calculate compound interest with yearly, half-yearly, quarterly, or monthly compounding. See the power of compounding with year-by-year growth chart.
CAGR
Calculate CAGR on any investment. Find the true annualised return rate for mutual funds, stocks, real estate, or any asset class.
Planning & Protection
View category →Emergency Fund
How much emergency fund do you need? Personalised 3–12 month recommendation based on income type, dependents, and risk profile.
FIRE
Calculate your FIRE number (corpus to retire early), safe withdrawal rate, passive income, and years to financial independence.
Term Insurance
Calculate your ideal life insurance cover using Human Life Value (HLV), income replacement, and needs-based methods. India-specific guidance with premium estimates.
SSY
Calculate Sukanya Samriddhi Yojana maturity at 8.2% interest with EEE tax benefits, 50% partial withdrawal at 18, and year-by-year balance chart.
Education Cost Planner
Plan for your child's higher education expenses in India. Calculate the future cost of IIT, IIM, MBBS, and other courses with inflation and estimate the monthly SIP needed to build the required corpus.
Frequently Asked Questions
What financial calculators does RupayWise offer?
RupayWise offers 36 free financial calculators across 4 categories: Real Estate (rent vs buy, EMI, stamp duty, rental yield, PMAY subsidy, capital gains), Tax & Income (tax regime comparator, HRA, gratuity, salary, income tax, capital gains tax), Investments (SIP, step-up SIP, lumpsum, PPF, NPS, EPF, FD, RD, ELSS, gold, mutual fund returns, brokerage, compound interest, CAGR, simple interest, SWP), and Planning & Protection (emergency fund, FIRE, term insurance, SSY, education cost planner, inflation, car loan, home loan eligibility).
Are RupayWise calculators free to use?
Yes, all 36 calculators on RupayWise are completely free to use. There is no registration required, no ads blocking results, and no premium paywall. Calculations run entirely in your browser — no data is sent to any server.
How accurate are the calculator results?
RupayWise calculators use the exact same formulas used by banks, AMFI, and the Income Tax Department. All calculators are backed by 230+ automated test cases that verify accuracy against known benchmarks. Tax calculators reflect FY 2025-26 slabs and rules. However, results are mathematical projections — actual returns depend on market conditions, and tax outcomes depend on your specific situation.
Which calculator should I use first?
Start with the SIP Calculator if you are beginning your investment journey — it shows the power of regular investing. If you are salaried, use the Salary Calculator to understand your CTC vs in-hand salary, then the Tax Regime Comparator to optimize your tax. If you are considering buying a home, start with the Rent vs Buy Calculator for a data-backed decision.
Can I embed RupayWise calculators on my website?
Yes, 6 of our most popular calculators are available as free embeddable widgets. You get a one-line iframe code that is mobile-responsive and always updated. Visit our Embed Calculators page for the code snippets.
How often are the calculators updated?
Calculator logic is updated whenever government rules change — such as new tax slabs, RBI repo rate changes, or budget announcements. Data-driven calculators (like stamp duty and tax) are updated within 48 hours of any policy change. The underlying calculation formulas are versioned and tested with every update.