Every free Indian finance calculator in one place — loans, investments, tax and salary. Built for Indian rules and updated for 2026.
IndiCalculator brings together every free financial calculator an Indian household or business needs — in one place, with no sign-up. Whether you are planning a home loan EMI, projecting a monthly SIP to reach ₹1 crore, comparing the old and new income tax regimes for FY 2025-26, working out GST on an invoice, or estimating your PPF, EPF, NPS or gratuity corpus, each tool below is built specifically for Indian rules, rates and tax slabs — and updated for 2026.
All calculators run instantly in your browser, work on mobile, and are free to use as often as you like. The loan and EMI tools cover home, car, bike and personal loans plus bank-specific SBI and HDFC home loan calculators. The investment tools cover SIP (monthly, step-up and lumpsum), PPF, FD, EPF and NPS. The tax and salary tools cover income tax (both assessment years), GST, reverse GST, HRA exemption, and a full CTC-to-in-hand salary breakdown. Pick a category below to get started.
Monthly EMI, total interest and amortization for home, car, bike and personal loans.
SBI home loan EMI at current rates, with rate-by-CIBIL ladder and comparison.
HDFC Bank home loan EMI, eligibility by salary and prepayment savings.
Project mutual fund SIP returns, with step-up and lumpsum modes.
PPF and fixed deposit maturity, interest and year-by-year growth.
Project your Provident Fund corpus at retirement (12%+12% at 8.25%).
National Pension System corpus, tax-free lump sum and monthly pension.
Gratuity under the Payment of Gratuity Act, with the ₹20 lakh tax-free limit.
Compare old vs new regime tax for the current financial year.
Add or remove GST from any amount at 5%, 12%, 18% or 28%.
Remove GST from a total to find the base price and tax component.
In-hand salary from CTC after EPF, professional tax and income tax.
HRA exemption under Section 10(13A) for salaried renters.