Financial Calculators for Indian Investors
These are free calculators for Indian savers and borrowers. Each one shows its formula and a worked example, so you can check the answer yourself.
Pick the tool that matches your question. Not sure which one? Use the table below.
Built and reviewed by Ashutosh Joshi, PGDM (Finance). Updated Oct 2026. See how we calculate.
Key Highlights
- 8 calculators across investing, saving and loans. All are free, need no sign-up, and the maths runs in your browser.
- Repo rate 5.50%: the RBI raised it by 25 basis points on 7 Oct 2026 (RBI Monetary Policy Statement, 7 Oct 2026). Floating rate EMIs can reset higher, so rerun the EMI Calculator. Other current rates, each with its check date, are on our Live Rates page.
- Formula shown on every page, with one worked Indian example. The method is on How We Calculate.
- Equity return assumption: our SIP calculators start at a default of 12% a year for equity, and the slider goes up to 20%. We suggest also testing a lower rate such as 10%.
All calculators
Investing
Related guides: Mutual Funds.
Saving and deposits
Related guides: Banking.
Loans
Related guides: Loans.
Inflation and rates
More tools for insurance and tax are on the way. Until then, see our Life Insurance and Tax guides.
Which calculator do you need?
Most money questions come down to one of eight. Find yours in the left column.
| Your question | Use this | What you get |
|---|---|---|
| If I invest ₹10,000 a month, what will I have in 15 years? | SIP Calculator | Maturity value, amount invested, gains |
| How much should I invest each month to reach ₹1 crore? | Goal Based SIP Calculator | Monthly SIP for a target and date |
| What if I raise my SIP every year with my salary? | Step Up SIP Calculator | Corpus with a yearly increase vs a flat SIP |
| What will my PPF be worth at maturity? | PPF Calculator | 15 year maturity value |
| How much will my FD pay, after tax? | FD Calculator | Maturity, interest, post-tax return |
| I can save ₹5,000 a month for 3 years, safely. | RD Calculator | Recurring deposit maturity |
| What will my home or car loan EMI be? | EMI Calculator | EMI, total interest, total repayment |
| Should my bonus go to the home loan or a mutual fund? | Home Loan Prepayment vs Investment Calculator | Both paths compared, break-even return |
A SIP calculator projects market linked returns. RD and FD calculators show fixed deposit maturity, monthly or one-time.
Guides that use these calculators
- Loans: 30-Year Home Loan + SIP: Does a Long Tenure Really Pay Off?. Uses the EMI, prepay vs invest and SIP tools together.
- Rates: RBI Repo Rate Hike to 5.50%: Higher EMI, Extend Tenure, or Prepay Your Home Loan?. What the October hike does to your EMI.
- Data: For Every 100 SIPs Started In July, 82 Ended. Your Calculator Doesn’t Know That. Why a SIP projection only works if you keep going.
- Deposits: FD Interest Rates October 2026: SBI vs Post Office, Post-Tax Returns. Real deposit returns after tax.
Frequently asked questions
Are these calculators free?
Yes. Every calculator is free, needs no sign-up and runs in your browser. We do not ask for your phone number or email. See how we calculate each result.
How accurate are online financial calculators?
The maths is exact for the numbers you enter. The uncertainty is in the inputs, especially the expected return on market linked investments. Deposit calculators such as FD, RD and PPF come close to what you will receive, while SIP results are estimates. Our How We Calculate page explains each formula.
What return should I assume in a SIP calculator?
Be realistic. Our SIP calculators default to 12% a year for equity, and the slider goes up to 20%, but we suggest also running the numbers at a lower rate such as 10%. Avoid planning with recent peak returns, because a plan that only works at a high return is a weak plan. Try both rates in our SIP Calculator.
Which calculator should I use for retirement planning?
Start with the goal based SIP calculator. Work out the corpus you need, inflated to your retirement year, and see the monthly SIP that gets you there. Then use the step up SIP calculator to see how raising your SIP each year lowers the starting amount. Begin with our Goal Based SIP Calculator.
Where do the interest rates on these pages come from?
From official sources, each with the date we checked. The repo rate comes from the RBI, PPF and post office rates from the Ministry of Finance quarterly notification, and FD rates from each bank’s own rate page. Rates change, so confirm with the bank or post office before you act. See them all on Live Rates.
Expert take: Ashutosh Joshi
“A calculator’s answer is only as honest as the return you type in. If a plan only works at 15%, the plan needs fixing, not the assumption. I put my monthly surplus into SIPs, use lump sums like a bonus to prepay my home loan, and keep part of my money in FDs for emergencies.”
Ashutosh Joshi, PGDM (Finance), B.Com, founder of Diving Finance