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Money Calculators for India

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Verified Govt Rates (Q3 FY26-27): PPF: 7.1% • SSY: 8.2% • SCSS: 8.2% • NSC: 7.7% • POMIS: 7.4% • KVP: 7.5%
Source: Ministry of Finance / India Post • Updated October 2026 (Q3 FY 2026-27)
Borrowing & Loans

I Want to Borrow

Home Loan EMI

Housing Finance

Accurate principal, interest, and monthly EMI breakdown with amortisation schedule.

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Car Loan EMI

Auto Finance

Vehicle financing calculations with down-payment, processing fee, and tenure adjustments.

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Personal Loan

Unsecured Credit

Fast monthly repayment planning with flat vs reducing balance comparison.

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Home Loan Eligibility

FOIR Engine

Find your maximum borrowing capacity based on monthly income and FOIR banking benchmarks.

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Wealth & Compounding

I Want to Invest

SIP Calculator

Mutual Funds

Calculate future wealth from disciplined monthly SIP contributions with compounding charts.

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Step-up SIP

Annual Top-Up

See the compounding multiplier when you hike your SIP with annual salary increments.

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SWP Calculator

Monthly Cashflow

Forecast regular monthly withdrawals from mutual funds and track portfolio balance longevity.

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Fixed Deposit (FD)

Bank Term Deposits

Quarterly compounding calculation with senior citizen +0.5% rate toggles.

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Taxation & Salary

I Want to Save Tax

View Tax Hub FY 2026-27

Old vs New Tax Regime

FY 2026-27 Slabs

Compare tax liabilities side-by-side with ₹75k standard deduction and 80C/80D/HRA to find your highest savings.

Compare Regimes

NRI Citizenship & OCI

NRI Tax & FEMA

Evaluate the financial & tax impact of surrendering Indian passport for foreign citizenship vs OCI.

Evaluate Impact

In-Hand Salary Calculator

CTC to Take-Home

Break down monthly take-home salary from CTC after PF, Professional Tax, and Income Tax deductions.

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HRA Exemption Calculator

Section 10(13A)

Calculate exact House Rent Allowance tax exemptions based on metro vs non-metro rules.

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Sovereign Guaranteed

Indian Government Savings Schemes

Public Provident Fund (PPF)

7.10% • EEE Tax Status

Calculate 15-year maturity value and compounded annual interest with sovereign safety under Section 80C.

Calculate PPF

Sukanya Samriddhi (SSY)

8.20% • Girl Child Plan

Forecast the 21-year maturity corpus for girl children with 100% tax-free interest and principal.

Calculate SSY

Senior Citizens Scheme (SCSS)

8.20% • Quarterly Payout

Calculate regular quarterly interest payouts for senior citizens up to ₹30 Lakh deposit cap.

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Post Office MIS (POMIS)

7.40% • Monthly Payout

Compute guaranteed monthly pension credited directly to your post office savings account.

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National Pension System (NPS)

80CCD(1B) Extra ₹50k

Calculate retirement corpus at age 60, 60% tax-free lumpsum, and monthly annuity pension.

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Kisan Vikas Patra (KVP)

7.50% • Doubles in 115 Mo

See your money double with sovereign guarantee in exactly 9 years and 7 months.

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LIC Surrender Value

GSV vs SSV • Form 5074

Calculate Guaranteed Surrender Value, evaluate Paid-Up policy alternative, and compare reinvestment arbitrage.

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LIC Maturity Calculator

Bonus & FAB • 5% IRR

Calculate Sum Assured, declared Simple Reversionary Bonus, Final Additional Bonus, and true IRR for Jeevan Labh & Anand.

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LIC Kanyadan vs SSY

8.2% SSY vs Plan 933

Compare Sukanya Samriddhi Yojana (8.2% sovereign EEE) vs LIC Kanyadan: survival wealth gap and death benefit simulations.

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Knowledge Base

Authoritative Financial Guides

Unbiased, mathematically verified guides to help Indian borrowers, investors, and taxpayers make confident decisions.

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Tax & Yield 6 min read

PPF vs Fixed Deposit (FD) — Which Wins in 2026?

Mathematical post-tax breakdown comparing 7.10% tax-free Public Provident Fund (EEE) against taxable bank FDs across 10%, 20%, and 30% tax brackets.

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Comparison Matrix 8 min read

Top Government Savings Schemes in India (2026)

Side-by-side comparison of PPF, Sukanya Samriddhi (8.2%), SCSS (8.2%), Mahila Samman (7.5%), and NSC with sovereign backing and official interest rates.

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Trending Breakout 7 min read

Home Equity Loan vs Loan Against Property (LAP)

How home equity borrowing works in India. Understand Loan-to-Value (LTV) limits, mortgage interest rates, top-up options, and tax implications.

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Verified Formulas

Standardized on RBI circulars, Ministry of Finance, and IT Department rules.

INR Native

Formatted exclusively for Indian Rupees (₹), Lakhs, and Crores.