Financial Calculators – INDwallet
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    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.

    📉 EMI Calculator📋 Old vs New Tax →
    ✔ 100% Free✔ No Data Stored✔ India-First⚡ Takes under 30 seconds🔒 Data stays in your browser
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    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.
    👨‍💼
    How Raj planned his finances in one sessionReal example from Mumbai
    • Raj, 32 – Marketing professional in Mumbai, ₹1.2L/month.
    • EMI Calculator: ₹30L home loan at 8.5% for 20 years → EMI ₹26,030, total interest ₹32.4L.
    • Rent vs Buy: Renting + investing surplus beats buying after 15 years.
    • SIP vs Lumpsum: ₹10K/month at 12% grows to ₹23L in 10 years.
    • Emergency Fund: Needs ₹3.6L — currently at ₹1.8L, halfway there.
    • Old vs New Tax: New regime saves him ₹18,000/year.
    • 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.
    • Model before committing: Run the EMI calculator before signing any loan.
    • Compare tax regimes annually: Your optimal regime changes with salary hikes.
    • SIP consistency beats timing: The SIP vs Lumpsum calculator proves it.
    • Run Rent vs Buy every 2 years: Property markets shift — recalculate.
    • Don’t ignore opportunity cost: Every rupee in low-yield FD has an alternative.
    • Freelance math is different: GST, TDS, no PF/ESI — use the simulator.
    • Revisit annually: Income, goals, and tax laws evolve.
    • Combine with wallets: Calculators answer “how much.” The four wallets track “are you hitting it?”
    • Zero data, full freedom: Everything runs in your browser — experiment freely.

    🧮 Calculated something useful? Now track it.

    👉 Check Your Wallet Score 📉 Open EMI Calculator

    Numbers don’t lie.
    Run yours today.

    Eight calculators. Every major Indian financial decision. Free, private, and built for how money actually works in India.

    📋 Compare Tax Regimes 🏠 Rent vs Buy →
    ✔ No signup required • Works instantly✔ Takes under 30 seconds🔒 Data never leaves your browser

    Frequently asked questions

    EMISIPrent vs buyemergency fundtax regimeFD / RDfreelancerprivacy
    🧮 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.
    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.
    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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