Free Financial Calculators — India Edition

Calculate Before
You Invest, Plan, or Decide

67+ free calculators for Indian investors, NRIs, professionals, and business owners. Tax, SIP, CAGR, SWP, NRI Tax, Gratuity, SSY, EMI, FIRE — all with live charts and plain-English explanations.

67+Calculators
13Categories
100%Free forever
Popular: SIP Returns Income Tax Home Loan EMI FIRE Number NRI Tax
🏢 Business Owners & Startups

39 calculators across Finance, Growth, Pricing, HR, Tax, Investment Tools, Govt Schemes, and NRI Hub

💼 Finance & Funding

Finance & Funding Calculators

Cash flow, break-even, burn rate, ROI — the numbers every business owner must know

Break-even Analysis
Units and revenue needed to cover all costs and start profiting
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Cash Flow Forecast
Project monthly inflows and outflows for the next 6–12 months
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Burn Rate & Runway
How long your cash lasts at current spending — with revenue growth
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ROI Calculator
Return on any investment — ads, hires, tools, equipment
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Profit Margin Calculator
Gross, operating, and net margin from revenue and cost inputs
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Business Loan EMI
EMI, total interest, and moratorium impact for MSME / startup loans
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Startup Valuation Estimator
Revenue-multiple and EBITDA-based valuation across sectors
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📈 Growth & Sales

Growth & Sales Calculators

CAC, LTV, churn, MRR, pipeline — track and grow your revenue engine

Customer Acquisition Cost
Total marketing + sales spend ÷ new customers acquired
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Customer Lifetime Value
Revenue from one customer over their full relationship with you
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Churn Rate Calculator
Monthly customer and revenue churn from your subscription base
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Sales Pipeline Calculator
Estimate closed revenue from pipeline and stage conversion rates
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MRR / ARR Calculator
Monthly and annual recurring revenue from plan-wise subscriber counts
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Ad ROAS Calculator
Revenue earned per rupee of ad spend — and whether it's profitable
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🏷️ Product & Pricing

Product & Pricing Calculators

Price right, discount wisely, and track unit economics for every product

Cost-Plus Pricing
Selling price by adding markup % to material, labour, and overhead
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Discount & Margin Impact
See exactly how a discount kills your margin before you offer it
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Unit Economics
Revenue, COGS, gross profit, and contribution margin per unit
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Inventory Reorder Point
When to restock — lead time demand + safety stock + EOQ formula
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👥 HR & Team

HR & Team Calculators

Hiring costs, salary budgets, equity dilution — plan your team with real numbers

Hiring Cost Calculator
Total cost of a new hire: salary + PF + onboarding + tools + ramp
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Salary Affordability
Max salary budget you can afford at your target profit margin
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Freelancer vs Full-time
Total cost comparison: freelancer (incl. GST) vs permanent hire
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Revenue per Employee
Productivity efficiency metric with industry benchmarks
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ESOP / Equity Dilution
Model equity after funding: founder stake, investor %, ESOP pool
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🧾 Tax & Compliance

Tax & Compliance Calculators

GST, working capital, and tax tools for Indian business owners

GST Calculator
Add or remove GST across 5%, 12%, 18%, 28% — CGST/SGST/IGST split
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Working Capital Calculator
Current assets minus liabilities — current ratio and quick ratio
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👤 Individuals & Professionals

36 calculators across Tax, Investments, Loans, Career, and Life Planning

₹ Tax & Income

Tax & Income Calculators

Estimate taxes, optimise deductions, know your take-home pay

Income Tax Estimator
Old vs New regime comparison with full deduction breakdown
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Take-home Salary Calculator
Gross to net: PF, TDS, professional tax, deductions
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HRA Exemption Calculator
Tax-exempt HRA based on salary, rent, and city
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80C Deductions Planner
Max out ₹1.5L savings across PF, ELSS, PPF, insurance
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Capital Gains Tax
STCG/LTCG on stocks, mutual funds, property
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Freelancer Tax Calculator
Advance tax and net income for self-employed professionals
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📈 Savings & Investments

Savings & Investments Calculators

Plan your wealth-building journey with accurate projections

SIP Returns Calculator
Monthly SIP corpus projection with animated chart
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Lump Sum Investment
Future value of a one-time investment with compounding
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FD / RD Maturity
Interest earned and maturity amount for deposits
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PPF Calculator
15-year Public Provident Fund corpus with yearly breakdown
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NPS Pension Estimator
Monthly pension and lump sum at 60 from NPS contributions
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Inflation-adjusted Returns
Real returns after inflation eats into your gains
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Emergency Fund Calculator
Right buffer based on expenses and risk profile
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Net Worth Tracker
Assets minus liabilities — your financial health snapshot
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🏠 Loans & Debt

Loans & Debt Calculators

Know exactly what you owe and how to pay it off faster

Home Loan EMI
Monthly payment, total interest, full amortisation table
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Personal Loan EMI
EMI and total cost across varying tenures
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Car Loan Calculator
Monthly installment and total cost of vehicle financing
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Loan Prepayment Benefit
Interest saved by making a partial prepayment today
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Debt Payoff Planner
Avalanche vs snowball strategy to clear debts fastest
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Credit Card Interest
Real cost of revolving credit card debt month to month
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💼 Career & Freelance

Career & Freelance Calculators

Price your work right and compare opportunities clearly

Freelance Rate Calculator
Minimum rate to meet your income and expense targets
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Job Offer Comparison
Compare two offers: CTC, perks, location cost — net score
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Salary Hike Calculator
New salary after hike; reverse-calculate from target
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Consulting Day Rate
What to charge per day based on annual target income
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Billable Hours Tracker
Actual billable capacity after meetings and admin time
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🎯 Life Planning

Life Planning Calculators

Retirement, FIRE, education, insurance — plan life with numbers

Retirement Corpus Calculator
Save monthly to retire at your target age with desired income
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FIRE Number Calculator
Financial independence target: 25× annual expenses rule
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Child Education Fund
Corpus for college fees in 10–18 years, inflation-adjusted
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Monthly Budget Planner
50/30/20 rule applied to your income with category limits
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Life Insurance Cover Needed
Right sum assured: income, dependents, and liabilities
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Rent vs Buy Calculator
10-year total cost comparison of renting vs buying a home
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🔢 Investment Tools

Investment Tools Calculators

CAGR, XIRR, SWP, Step-Up SIP — measure and plan your investments precisely

CAGR Calculator
Compound Annual Growth Rate between any two values over any period
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Absolute Return / XIRR
Total absolute return and annualised CAGR on your portfolio
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SWP Calculator
Monthly withdrawal from mutual fund corpus — how long will it last?
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Step-Up SIP Calculator
How much more you earn by increasing SIP every year vs flat SIP
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Loan Prepay vs Invest
Should you prepay your loan or invest that lump sum instead?
Calculate →
Portfolio Rebalancing
Equity/debt/gold drift check — exact buy/sell amounts to rebalance
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ELSS Tax Saving Calculator
Corpus + total 80C tax saved on ELSS investments over the years
Calculate →
🏛️ Govt Schemes

Govt Schemes Calculators

PPF, SSY, Gratuity — plan guaranteed government-backed benefits

PPF Calculator
15-year Public Provident Fund corpus with yearly breakdown
Calculate →
Sukanya Samriddhi Yojana
SSY maturity amount, interest earned, and 50% withdrawal at age 18
Calculate →
Gratuity Calculator
Gratuity amount under Payment of Gratuity Act — tax-exempt portion
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NPS Pension Estimator
Monthly pension and lump sum at 60 from NPS contributions
Calculate →
✈️ NRI Hub

NRI Hub Calculators

Tax, DTAA, and investment tools built for Non-Resident Indians

NRI Tax & DTAA Calculator
India tax liability after DTAA relief and TDS deducted at source
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Capital Gains Tax (NRI)
STCG/LTCG on Indian stocks, mutual funds, and property
Calculate →
NRE / NRO FD Calculator
Maturity amount on NRE and NRO fixed deposits
Calculate →
Inflation-adjusted Returns
Real returns after India inflation — essential for NRI planning
Calculate →
SIP Returns (NRI)
SIP corpus projection for NRIs investing in Indian mutual funds
Calculate →
🇮🇳
India-First

Indian tax slabs, GST, PPF, NPS, HRA, Indian number format (lakhs & crores) — not generic global tools.

📊
Visual Results

Every calculator shows charts, not just numbers. Understand your money visually — donut charts, bar charts, projection graphs.

💡
Explained Simply

Each field has a tooltip explaining what it means, why it matters, and what a good value looks like for your situation.

🔒
100% Private

All calculations happen in your browser. No data is sent to any server. Your financial info stays on your device.

📊 Before You Invest

Compare Indian Brokerage Charges

See exact brokerage fees for Zerodha, Groww, Upstox, Angel One, ICICI Direct and 7+ more brokers — intraday, delivery, F&O, and options. Pick the broker that keeps more money in your pocket.

⚡ Zerodha ₹20 flat 🟢 Groww ₹20 flat 🔵 Upstox ₹20 flat 🌟 Angel One ₹0 delivery 🏛️ ICICI Direct 0.55%
Compare All Brokers → Zerodha Calculator Groww Calculator
Quick Broker Comparison
Zerodha
₹0 Delivery ₹20 Intraday
Groww
₹0 Delivery ₹20 Intraday
Upstox
₹0 Delivery ₹20 Intraday
Angel One
₹0 Delivery ₹20 Intraday
ICICI Direct
0.55% Delivery 0.275% Intraday
See Full Breakdown with Calculator →