Financial Calculators
India‑focused tools – EMI, SIP, Rent vs Buy, Tax, FD, RD and more. 100% private, in‑browser.
EMI CalculatorLoan EMI, interest, amortization
SIP vs Lumpsum SimulatorWhich strategy builds more wealth?
Rent vs Buy SimulatorOwn vs rent + invest
Emergency Fund CalculatorHow much do you need?
Freelancer vs Regular Salary SimulatorCompare net income after taxes & expenses
Old vs New Tax Regime SimulatorCompare tax liability FY 2025‑26
Fixed Deposit CalculatorMaturity amount, interest earned
Recurring Deposit CalculatorMonthly savings, final corpus
Frequently Asked Questions
Answers about our calculators – all data stays in your browser
EMI formulaSIP vs lumpsumrent vs buyemergency fundfreelance taxtax regime 2026FD interestRD calculator
Yes – 100% free, no signup, no tracking. All calculations happen in your browser; we never see your data.
They use standard financial formulas updated for 2026. For precise tax planning, consult a CA.
EMI = [P x R x (1+R)^N] / [(1+R)^N – 1].
Lumpsum tends to outperform over 10+ years, but SIP reduces timing risk. The tool shows both.
Our insight box explains how 80C & 24(b) reduce effective interest.
6 months of essential expenses (rent, EMIs, groceries).
Software, internet, equipment – typically 10‑30% of gross.
Use the tool! New 2026 slabs often favour the new regime unless you have large deductions.
Added to income, taxed at slab rate; TDS at 10% if interest > ₹40,000.
M = R * [ (1+i)^n – 1 ] / i (quarterly compounding).