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EMI at 8.5%
₹26,030
20yr · ₹30L loan
SIP 10yr @ 12%
₹23L+
▲ ₹10K/month
Calculators
8 Tools
✦ All Free
Tax Saved
₹18K/yr
▲ New Regime
Calculate & Decide
India-first tools
8 Calculators · 100% Private · India-Built
Not just calculators.
Your financial decision engine.
Eight India-specific tools for the decisions that move the needle — EMI, SIP, tax regime, rent vs buy, and more. All in your browser. Zero data collected.
✔ 100% Free
✔ No Data Stored
⚡ Takes < 30 seconds
8
Calculators
10k+
Users Across India
0
Data Collected
100%
In-Browser
All Calculators
Eight India-focused calculators for every big decision
From your home loan to your tax regime — India-specific numbers, instant results, zero compromise on privacy.
Loans
EMI Calculator
Monthly instalment, total interest, and full amortisation schedule for any loan.
Calculate EMI →
Investing
SIP vs Lumpsum
Compare systematic vs one-time investing. See which strategy builds more wealth over your timeline.
Compare Now →
Real Estate
Rent vs Buy
Model the long-term impact of owning vs renting and investing the surplus. Includes appreciation and opportunity cost.
Run Simulation →
Safety Net
Emergency Fund
Calculate exactly how much you need and how many months your current savings cover. 6 months is the target.
Check Coverage →
Income
Freelancer vs Salary
Compare true net income after taxes, benefits, and expenses — salaried employment vs self-employment.
Compare Income →
Taxation
Old vs New Tax
Compare your FY 2025-26 tax liability under both regimes with latest slabs, 80C, HRA, and standard deductions.
Compare Regimes →
Savings
Fixed Deposit
Project maturity amount and effective yield on FD investments. Includes senior citizen rate comparison.
Calculate FD →
Savings
Recurring Deposit
See how consistent monthly savings compound into a meaningful corpus over time.
Calculate RD →
What each calculator doesDepth, use cases, and how they connect to your wallets
- EMI Calculator: Monthly instalment, total interest paid, and amortisation schedule — home, car, or personal loan.
- SIP vs Lumpsum: Future value comparison across time horizons — see the power of consistency vs timing.
- Rent vs Buy: Long-term model including property appreciation, investment returns, and opportunity cost.
- Emergency Fund: Months of coverage calculation with a 6-month target — the single most important financial buffer.
- Freelancer vs Salary: True net income comparison after taxes, benefits, and variable expenses.
- Old vs New Tax: FY 2025-26 tax liability with real slabs, 80C, HRA, standard deduction, and NPS inputs.
- Fixed Deposit: Maturity amount, effective yield, and senior citizen rate comparison for lump-sum savings.
- Recurring Deposit: Monthly savings growth with compounding — simple and powerful for short-term goals.
Real-world example
How Raj planned his finances in one session
A marketing professional in Mumbai puts all eight tools to work in a single afternoon.
👨💼
Raj, 32 · Marketing Professional
Mumbai · ₹1.2L/month
Uses EMI Calculator for a ₹30L home loan at 8.5% for 20 years — monthly EMI ₹26,030, total interest ₹32.4L.
Rent vs Buy reveals renting + investing the surplus beats buying after 15 years.
SIP vs Lumpsum — ₹10K/month at 12% grows to ₹23L in 10 years.
Emergency Fund check: needs ₹3.6L — he’s at ₹1.8L, halfway there.
Freelancer vs Salary — his side income nets 20% more after expenses.
Old vs New Tax — new regime saves him ₹18,000/year.
FD Calculator maps his 3-year goal at 7.2%.
All eight tools. Zero data shared. Complete privacy.
Best practices for smarter decisionsTen habits that turn calculations into real financial progress
- Emergency fund first: Before any investment — aim for 3–6 months of expenses in a liquid account.
- Model before committing: Run the EMI calculator before signing any loan. Total interest often shocks people into shorter tenures.
- Compare tax regimes annually: Your optimal regime changes with salary hikes, deductions, and family milestones.
- SIP consistency beats timing: The SIP vs Lumpsum calculator almost always favours consistent investing over waiting for the “right time.”
- Run Rent vs Buy every 2 years: Property markets shift — recalculate as your city’s appreciation and rental yields change.
- Don’t ignore opportunity cost: Every rupee in a low-yield FD has an alternative — use calculators to quantify the gap.
- Freelance math is different: GST, TDS, no PF/ESI — the Freelancer vs Salary tool accounts for all of it.
- Revisit annually: Income, goals, and tax laws evolve — recalculate at every major life event.
- Combine with wallets: Calculators answer “how much.” The four wallets help you track whether you’re hitting those numbers.
- Zero data, full freedom: Everything runs in your browser — experiment with extreme scenarios without hesitation.
🧮 Calculated something useful? Now track it.
- After EMI Calculator → manage your loan in the Expenses Wallet
- After SIP vs Lumpsum → build your investment plan in the Investment Wallet
- After Emergency Fund → monitor your safety net in the Wealth Wallet
- After Old vs New Tax → optimise your take-home in the Income Wallet
Frequently asked questions
EMI
SIP
rent vs buy
emergency fund
tax regime
FD / RD
freelancer
privacy
🧮 Calculators
It uses the standard reducing-balance formula used by Indian banks. Enter your principal, rate, and tenure for exact monthly instalment, total interest, and an amortisation schedule. Compare with the Expenses Wallet to see how EMI fits your monthly budget.
SIP wins for most people because it removes market-timing risk through rupee-cost averaging. Lumpsum can win if you invest at market lows. The simulator shows the exact difference for your amount and tenure. See also the Investment Quest Simulator.
It depends on your city, price-to-rent ratio, and investment returns. The Rent vs Buy Simulator models appreciation, rental yield, and opportunity cost — in most Tier-1 cities, the break-even is 12–18 years.
The new regime wins if your total deductions (80C + HRA + NPS + others) are below ~₹3.5L. Above that, the old regime often saves more. Run the Old vs New Tax Simulator with your actual numbers — it updates instantly.
Target 6 months of essential expenses (rent, EMIs, groceries, utilities). The Emergency Fund Calculator tells you exactly how many months your current savings cover and how much more you need. Track it in the Wealth Wallet.
🔐 Privacy & Usage
100%. All calculations run in your browser. No numbers are sent to any server, no cookies, no tracking. INDwallet is browser-first by design. Read our Privacy Policy.
No login, no signup — just open and calculate. For cross-device access and goal tracking, use the INDwallet App (still completely private).
At every major life event — salary hike, new loan, new tax year, family change, or before any large purchase. Tax regimes especially change annually — always recalculate in April.
📘 General
Calculators answer “how much.” The wallets help you track whether you’re actually hitting those numbers. Use the Income, Expenses, Investment, and Wealth wallets together for the full picture.
They use Indian tax slabs (80C, HRA, NPS, standard deduction), Indian FD/RD rates, India-specific EMI conventions, and real Indian property market dynamics — not generic global assumptions.
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Calculators tell you the number. The wallets help you hit it.
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