India's #1 Free Financial Calculator
Suite for 2025-26
SIP, EMI, Income Tax (New vs Old Regime FY2025-26), FD, PPF, GST, NPS, Retirement, Education Loan, CAGR & more. 100% free, instant results, no login needed.
SIP Calculator 2025-26 — Systematic Investment Plan Returns India
Calculate SIP returns, maturity value, and wealth gain for any mutual fund SIP investment in India. Compare regular vs step-up SIP. Best free SIP calculator updated for FY 2025-26. ๐ Last Updated: March 2026
| Year | Amount Invested | Est. Returns | Total Value | Wealth Gained % |
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What is a SIP Calculator? How to Use It?
A SIP (Systematic Investment Plan) Calculator helps you estimate the future value of your monthly mutual fund investments in India. It uses the CAGR formula compounded monthly: M = P × {[(1 + r)^n – 1] / r} × (1 + r) where P = monthly investment, r = monthly rate, n = total months.
How to Use This SIP Calculator
Step 1: Enter your monthly SIP amount (e.g., ₹5,000). Step 2: Set the expected annual return rate (12% is a common benchmark for equity mutual funds in India). Step 3: Choose your investment tenure in years. The calculator instantly shows your invested amount, estimated returns, and total maturity value with a year-by-year breakdown.
SIP Formula Used
The future value of SIP = P × {[(1 + r)^n – 1] / r} × (1 + r), where P is the monthly SIP amount, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. This is the standard formula used by AMFI, Groww, and all major Indian financial platforms.
Real Example: ₹5,000/month SIP for 15 Years
If you invest ₹5,000 per month for 15 years at 12% expected return: Total invested = ₹9 lakhs. Estimated returns = ₹16.22 lakhs. Total value = ₹25.22 lakhs. That's a wealth gain of 180% on your investment — the power of compounding at work.
Why SIP is the Best Way to Invest in India (2025-26)
SIP investments in equity mutual funds have historically delivered 12–18% CAGR over 10+ year horizons in India. With rupee cost averaging, SIP reduces market timing risk. The power of compounding makes SIP the most searched financial calculator in India — over 50 lakh searches per month on Google India alone.
Frequently Asked Questions — SIP Calculator India
๐ Related Calculators
- ๐ฐ Lumpsum Calculator India — One-time investment growth
- ๐️ Retirement Planner — How much SIP needed to retire
- ๐ CAGR Calculator — Calculate mutual fund CAGR
- ๐ธ SWP Calculator — Systematic Withdrawal Plan
Lumpsum Investment Calculator 2025-26 — One-Time Investment India
Calculate lumpsum mutual fund returns, FD growth, or any one-time investment maturity value in India. Accurate compound interest calculator updated for FY 2025-26. ๐ Last Updated: March 2026
| Year | Principal | Interest Earned | Total Value |
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What is a Lumpsum Calculator? How Does It Work?
A Lumpsum Calculator computes the future value of a one-time (lump sum) investment using compound interest. The formula is: FV = P × (1 + r)^n — where P is the initial investment, r is the annual return rate, and n is the number of years.
Lumpsum vs SIP — Which is Better for Indian Investors?
Lumpsum investments are ideal when markets have corrected significantly or when you receive a windfall (bonus, inheritance, maturity proceeds). SIP works better for regular monthly investors to average out market volatility. For most retail investors in India, a combination of both strategies gives the best risk-adjusted returns.
Example: ₹1 Lakh Lumpsum for 10 Years at 12%
A ₹1 lakh one-time investment at 12% annual return for 10 years grows to ₹3.1 lakhs — a gain of ₹2.1 lakhs (210%). The same amount at 15% for 10 years becomes ₹4.04 lakhs. This is the power of long-term compounding.
Frequently Asked Questions — Lumpsum Investment
๐ Related Calculators
- ๐ SIP Calculator — Monthly systematic investing
- ๐ CAGR Calculator — Find your actual returns rate
- ๐ฆ FD Calculator — Fixed deposit returns
EMI Calculator 2025-26 — Home Loan, Car Loan, Personal Loan India
India's best free EMI calculator. Calculate monthly EMI for home loan, car loan, personal loan with amortization schedule. Compare flat vs reducing balance. Updated SBI, HDFC, ICICI rates 2025-26. ๐ Last Updated: March 2026
| # | EMI | Principal | Interest | Balance |
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EMI Calculator — Home Loan, Car Loan, Personal Loan India 2025-26
EMI (Equated Monthly Installment) is the fixed monthly payment for a loan. Formula: EMI = P × r × (1+r)^n / ((1+r)^n – 1) where P = loan amount, r = monthly interest rate (annual rate ÷ 12), n = tenure in months.
How to Use This EMI Calculator
Enter your loan amount, annual interest rate, and loan tenure in years. The calculator instantly shows your monthly EMI, total interest payable, total amount payable, and a complete month-by-month amortization schedule. You can also compare flat rate vs. reducing balance EMI.
Current Home Loan Interest Rates India 2025-26
SBI Home Loan: 8.40–9.15% | HDFC Bank: 8.50–9.25% | ICICI Bank: 8.75–9.40% | Axis Bank: 8.75–9.10% | LIC Housing Finance: 8.50–9.25% | Kotak Bank: 8.65–9.35%. Rates are effective as of March 2026 and subject to change based on RBI repo rate decisions.
EMI for ₹50 Lakh Home Loan — Example
For a ₹50 lakh home loan at 8.5% for 20 years: Monthly EMI = ₹43,391. Total interest paid = ₹54.14 lakhs. Total amount payable = ₹1.04 crore. Prepaying ₹5 lakh after 5 years saves approximately ₹8–10 lakhs in interest and reduces tenure by 2–3 years.
Frequently Asked Questions — EMI Calculator India
๐ Related Calculators
- ๐ SIP Calculator — Should you invest or prepay?
- ๐ Education Loan Calculator — With moratorium options
- ๐ฆ FD Calculator — Compare loan cost vs FD returns
Income Tax Calculator 2025-26 — New vs Old Regime FY 2025-26
Calculate income tax for FY2025-26 (AY2026-27). Compare new tax regime vs old regime. Find tax savings under 80C, 80D, HRA, NPS. Updated tax slabs for salaried, business, and senior citizens. ๐ Last Updated: March 2026
๐ก Tax Saving Tips
- Invest ₹1.5L in ELSS/PPF under 80C
- Get health insurance — claim 80D
- NPS extra ₹50K under 80CCD(1B)
- Compare new vs old regime every year
| Income Range | Rate | Tax |
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| Income Range | Rate | Tax |
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Compound Interest Calculator — FD, Savings, Investment India 2025-26
Calculate compound interest for FD, savings account, recurring deposits. Choose compounding frequency: monthly, quarterly, half-yearly, yearly. Power of compounding visualized. ๐ Last Updated: March 2026
Retirement Corpus Calculator India 2025-26 — Plan Your FIRE
Plan your retirement in India. Calculate the retirement corpus needed, monthly SIP required, and how inflation impacts your retirement. FIRE calculator for early retirement. ๐ Last Updated: March 2026
FD & RD Calculator 2025-26 — Fixed & Recurring Deposit India
Calculate FD maturity amount, interest earned, effective yield for all major Indian banks — SBI, HDFC, ICICI, Axis. RD calculator for recurring deposits. TDS on FD interest included. ๐ Last Updated: March 2026
PPF Calculator 2025-26 — PPF, EPF & NPS Tax-Free Retirement
Calculate PPF maturity amount, EPF corpus, NPS pension. All three tax-saving instruments under EEE category. Updated PPF interest rate 7.1% for FY 2025-26. ๐ Last Updated: March 2026
Gratuity Calculator India 2025-26 — Payment of Gratuity Act
Calculate gratuity amount as per Payment of Gratuity Act 1972. Applicable after 5 years of service. Tax-free up to ₹20 lakhs. Formula: (Last salary × Years × 15/26). ๐ Last Updated: March 2026
๐ Gratuity Formula
- Gratuity = (Last Salary × Years × 15) / 26
- Maximum tax-free gratuity: ₹20 lakhs
- Eligible after 5 years of continuous service
- Govt employees: 15 days salary per year of service
CAGR Calculator India — Compound Annual Growth Rate 2025-26
Calculate CAGR for mutual funds, stocks, SIP returns. CAGR formula: (Ending Value / Beginning Value)^(1/Years) - 1. Best tool for comparing mutual fund performance in India. ๐ Last Updated: March 2026
| Years | Value @ Same CAGR | Gain |
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Education Loan Calculator 2025-26 — Moratorium & Non-Moratorium Options
Calculate education loan EMI for IIT, IIM, MBBS, MBA, engineering colleges in India and abroad. Compare moratorium period vs immediate repayment. Includes Section 80E tax benefit. ๐ Last Updated: March 2026
Simple Interest: Pay only interest during course. Principal repayment starts after course ends. Common in Indian banks.
Fully Deferred: No payment during course. Interest gets added to principal (capitalized). Higher EMI after course.
๐ก Education Loan Tips (India)
- Section 80E: Entire interest is deductible (no cap) for 8 years
- Vidya Lakshmi Portal: Apply to multiple banks simultaneously
- Loans above ₹7.5L require collateral at most banks
- PSU banks (SBI, BOB) offer lowest rates (~9.5–10.5%)
- Moratorium saves cash flow during studies but increases total cost
| Parameter | No Moratorium | Simple Interest Moratorium | Fully Deferred |
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Education Loan in India — Complete Guide 2026
Education loans in India are offered by SBI (Scholar Loan, Student Loan), HDFC Credila, Axis Bank, Punjab National Bank, Bank of Baroda, and NBFCs like Avanse, InCred. Interest rates range from 8.5% to 15% depending on lender and collateral.
Key Education Loan Features India
Loans up to ₹7.5 lakh: third-party guarantee. Above ₹7.5L: collateral required. Maximum moratorium period: course duration + 6 months to 1 year. Section 80E benefit allows full interest deduction with no upper cap for 8 years.
SWP Calculator India — Systematic Withdrawal Plan 2025-26
SWP (Systematic Withdrawal Plan) calculator for retirement income from mutual funds. Calculate monthly withdrawal while your corpus continues to grow. Free SWP calculator India. ๐ Last Updated: March 2026
Inflation Calculator India — Future Value of Money 2025-26
How much will ₹1 lakh be worth in 10 years? Calculate inflation impact on purchasing power in India. Average India CPI inflation 5–7% annually. Plan your finances accordingly. ๐ Last Updated: March 2026
HRA Exemption Calculator 2025-26 — Section 10(13A) India
Calculate HRA exemption under Income Tax Section 10(13A) for FY 2025-26. Applicable for salaried employees paying house rent. Metro vs non-metro rules applied automatically. ๐ Last Updated: March 2026
๐ HRA Exemption Rules
- Exempt = Minimum of 3 conditions below
- (1) Actual HRA received from employer
- (2) Actual rent paid – 10% of Basic salary
- (3) 50% of Basic (metro) / 40% (non-metro)
- No exemption if you own the house you live in
GST Calculator India 2025-26 — Add & Remove GST Instantly
Calculate GST amount for any product or service in India. Add GST to a base price or remove GST from an inclusive price. All GST slabs: 5%, 12%, 18%, 28%. Updated for GST 2025-26. ๐ Last Updated: March 2026
๐ GST Rate Reference Chart
- 0% — Essential food grains, fresh vegetables, milk, curd, eggs, education, healthcare
- 5% — Packaged food, medicines, small restaurants, household items
- 12% — Processed food, fruits/nuts, hotel rooms ₹1000-7500/night, business class air travel
- 18% — Most goods & services: electronics, clothing above ₹1000, telecom, banking, IT services
- 28% — Luxury cars, motorcycles >350cc, cigarettes, aerated drinks, casinos, AC restaurants
- 3% — Gold, silver, and precious metals
What is GST? How to Calculate GST in India?
GST (Goods and Services Tax) is India's unified indirect tax levied on supply of goods and services. Introduced in July 2017, GST replaced multiple state and central taxes. There are four main GST slabs: 5%, 12%, 18%, and 28%. Some items are exempt (0%) and gold is taxed at 3%.
How to Add GST to a Price
If an item costs ₹10,000 (GST exclusive) and attracts 18% GST: GST Amount = ₹10,000 × 18% = ₹1,800. Final price = ₹10,000 + ₹1,800 = ₹11,800. For interstate transactions, IGST = 18% applies. For intrastate, CGST (9%) + SGST (9%) applies.
How to Remove GST from an Inclusive Price
If a price of ₹11,800 includes 18% GST: Original price = ₹11,800 / (1 + 18/100) = ₹11,800 / 1.18 = ₹10,000. GST Amount = ₹11,800 – ₹10,000 = ₹1,800. Use the "Remove GST" mode in our calculator above.
Frequently Asked Questions — GST Calculator India
๐ Related Calculators
- ๐งพ Income Tax Calculator — FY 2025-26 tax calculation
- ๐ EMI Calculator — Loan EMI with all charges
Sukanya Samriddhi Yojana Calculator 2025-26 — SSY Maturity Amount
Calculate Sukanya Samriddhi Yojana (SSY) maturity amount, interest earned, and total deposits. Current SSY interest rate 8.2% for Q1 FY2025-26. Best girl child savings scheme in India. ๐ Last Updated: March 2026
๐ SSY Key Facts
- Account can be opened for girls aged 0–10 years
- Minimum deposit: ₹250/year | Maximum: ₹1.5 lakh/year
- Deposits for 15 years; account matures when girl turns 21
- EEE tax benefit: Deposit, interest, and maturity all tax-free
- Partial withdrawal (50%) allowed at age 18 for education
- Account can be opened at post offices and authorised banks
| Year | Girl's Age | Annual Deposit | Cumulative Deposit | Balance |
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What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana (SSY) is a Government of India savings scheme launched in 2015 under the 'Beti Bachao Beti Padhao' initiative. It offers one of the highest interest rates among small savings schemes (currently 8.2% p.a. for Q4 FY2024-25) with complete tax exemption under EEE category — making it the best investment option for a girl child's future in India.
How to Use This SSY Calculator
Enter your annual deposit amount (₹250 to ₹1.5 lakh), the current age of the girl child (0–10 years), and the expected SSY interest rate. The calculator shows the maturity amount when the account matures (at girl's age 21), total deposits made over 15 years, and total interest earned. SSY interest is compounded annually.
SSY Returns Example: ₹1.5 Lakh/Year for 15 Years
If you deposit the maximum ₹1,50,000 annually for 15 years at 8.2% interest: Total deposits = ₹22.5 lakhs. Estimated maturity amount = approximately ₹69–72 lakhs at age 21. This represents a wealth creation of over ₹47 lakhs from government-backed returns — completely tax-free.
Frequently Asked Questions — Sukanya Samriddhi Calculator
๐ Related Calculators
- ๐ PPF Calculator — Public Provident Fund returns
- ๐ SIP Calculator — Compare with equity mutual funds
- ๐️ Retirement Planner — Long-term wealth planning