1. Home

  2. Calculators

Calculators

Calculators for India, made obvious.

Tools that show what your money will do – in plain ₹, with no jargon.

I want to invest

Grow your money.

SIPs, lumpsums, and step-ups – project returns against realistic Indian-market assumptions.

SIP Calculator

Calculate the amount you need to save or the amount you will accumulate through your SIP.

Open

Lumpsum Calculator

Calculate the returns on lump sum investments to help you accomplish your financial goals.

Open

Step up SIP Calculator

Calculate how your savings grow or money builds up with increasing SIP amounts.

Open

Mutual Fund SIP Calculator

Calculate the amount you need to save or the amount you will accumulate through your Mutual Fund SIP.

Open

Inflation Adjusted SIP Calculator

See your SIP corpus in today's purchasing power, with real returns side by side with nominal.

Open

Goal SIP Calculator

Find the exact monthly SIP needed to reach a target amount – ₹50 lakh, ₹1 crore, anything.

Open

ELSS Calculator

Project ELSS SIP maturity, annual §80C tax saved, and LTCG payable at exit – with the 3-year rolling lock-in built in.

Open

SWP Calculator

Model a Systematic Withdrawal Plan – corpus depletion timeline, total withdrawn, returns earned, tax-efficient retirement income.

Open

Compound Interest Calculator

Calculate compound interest with any compounding frequency – annually, quarterly, monthly, daily – and the effective annual rate breakdown.

Open

I'm borrowing

EMIs, eligibility, prepayment.

Home, car, and mortgage loans – work out the EMI you can afford and the interest you can save.

Home Loan EMI Calculator

Calculate home loan EMI, total interest, and year-by-year amortization for any loan amount, rate, and tenure.

Open

Home Loan Eligibility Calculator

Check how much home loan you can borrow based on income, existing EMIs, and FOIR caps.

Open

Home Loan Prepayment Calculator

See how lump-sum or EMI step-up prepayments shorten tenure and cut total interest.

Open

Loan EMI Calculator

EMI for personal, car, education, and business loans – monthly EMI, total interest, and amortization.

Open

Car Loan EMI Calculator

Car loan EMI, total interest, and year-by-year amortization for new and used vehicles.

Open

On-Road Price Calculator

Adds RTO, insurance, and accessories to ex-showroom – so the loan EMI you plan matches the cheque you write.

Open

Mortgage Loan EMI Calculator

Mortgage - Loan Against Property EMI calculator – monthly EMI, total interest, and amortization.

Open

Mortgage Loan Prepayment Calculator

Plan partial prepayments on a Loan Against Property and see the tenure + interest savings.

Open

I want to save & plan

Fixed deposits and goal planning.

FDs, retirement corpus, child education, down payments – anchor real-life targets to real numbers.

FD Calculator

Calculate FD maturity, monthly interest payout, and post-tax returns – with compounding-frequency choice.

Open

Goal Inflation Calculator

See how much your financial goal will actually cost in the future, adjusted for inflation.

Open

Retirement Corpus Calculator

Project the corpus you need at retirement using the 25× or 33× rule and your monthly expenses.

Open

Child Education Calculator

Plan the monthly SIP needed to fund your child's graduation, masters, or higher-ed goals.

Open

Home Down Payment Calculator

Work out the monthly SIP needed to reach your home down-payment target by the year you plan to buy.

Open

NPS Calculator

Project your NPS Tier I corpus at 60, the lump-sum vs annuity split, and monthly pension – with §80CCD(1B) tax breaks built in.

Open

Gratuity Calculator

Calculate gratuity payable on exit using the Payment of Gratuity Act 15/26 formula, with the ₹20 lakh §10(10) tax-free cap.

Open

Post Office MIS Calculator

Project monthly income from a Post Office MIS deposit at the current 7.40% rate, with ₹9L single / ₹15L joint deposit caps.

Open

Sukanya Samriddhi Calculator

Project the Sukanya Samriddhi Yojana corpus at the girl's age 21 using the current 8.20% rate – EEE tax treatment in old regime.

Open

HRA Calculator

Calculate House Rent Allowance exemption under §10(13A) using the three-rule formula – metro vs non-metro, tax saved at your slab.

Open

Income Tax Calculator

Compare FY 2026-27 income tax in old vs new regime side by side – slabs, §87A rebate, §80C/D/CCD(1B), HRA, surcharge, cess all built in.

Open

PPF Calculator

Project PPF maturity at the current 7.10% rate with year-by-year balance and +5 / +10 year extension scenarios. Tax-free under §10(11).

Open

EPF Calculator

Project your EPF retirement corpus at the 8.25% EPFO rate – models the 12% employee + employer split, the EPS cap, salary growth, and VPF.

Open

More SIP calculators

SIP calculators by fund, bank, and category.

Same engine, preset for popular Indian mutual fund houses, banks, and index variants.

More Goal SIP calculators

Goal SIP calculators by target and duration.

Same reverse-SIP engine, preset for common target amounts and time horizons.

More FD calculators

FD calculators by amount, bank, and depositor type.

Same engine, preset for common deposit sizes, Indian banks, and senior-citizen rates.

More Home Loan EMI calculators

Home loan EMI calculators by amount, tenure, and bank.

Same engine, preset for common loan sizes, popular Indian lenders, and 20/30-year tenures.

More Loan EMI calculators

Loan EMI calculators by type, amount, and bank.

Personal, car, bike, education, and business loan presets – and bank-branded landing pages.

More Car Loan EMI calculators

Car loan EMI calculators by amount, type, and bank.

New and used car loan presets, with bank-branded landing pages for major lenders.

More Mortgage Loan EMI calculators

Mortgage - Loan Against Property calculators by amount and bank.

LAP presets for common loan amounts, plus bank-branded landing pages.

Common questions

About the calculator catalogue.

PaisaMath offers 30+ free calculators across investing (SIP, lumpsum, step-up, goal, inflation-adjusted), savings (FD with monthly payout and after-tax view), home loans (EMI, eligibility, prepayment, down payment, on-road price for cars), and goal planning (retirement corpus, child education). Bank-branded and amount-preset landing pages take the total to 100+ URLs.

Yes. Every calculator is completely free, with no paywalls, no premium tiers, no ads gating answers, and no sign-up. Open the page, enter your numbers, get your answer.

Calculations use the same compound-interest and amortisation formulas your bank or mutual fund house uses. Projections assume the inputs you provide hold over the full duration – actual returns from market-linked investments (SIPs, lumpsums) will vary year to year. For loan EMIs the math is exact; for FDs the interest is computed at quarterly compounding (the Indian regulatory standard).

For monthly mutual fund investments, use the SIP Calculator. For a one-time mutual fund investment, use Lumpsum. For a home loan, use Home Loan EMI (and Home Loan Eligibility if you're working out how much you can borrow). For a fixed deposit, use the FD Calculator. If you have a target amount in mind (corpus for retirement, child education, down payment), use the Goal SIP Calculator to reverse-solve the monthly SIP you need.

A few math layers most Indian calculators skip: inflation-adjusted SIP projections (today's rupees, not future-value rupees), prepayment simulators with month-by-month amortisation, on-road price that adds RTO and TCS to ex-showroom so loan EMI matches the cheque, step-up SIP for SIPs that grow with your salary, and goal-anchored reverse-solve for retirement, education, and down payment targets.

Beyond calculators

Bank holidays, RBI rates, IFSC lookup, and more.

See everything on PaisaMath →