Free Financial Calculators for Smarter Money Decisions
Calculate SIP returns, EMIs, fixed deposits, PPF, compound interest and more with simple tools built for India.
No sign-up · Transparent formulas · Results are illustrations, not guarantees
Popular Calculators
SIP Calculator
Estimate the future value of a monthly Systematic Investment Plan.
EMI Calculator
Calculate your loan EMI, total interest and repayment.
FD Calculator
Estimate fixed deposit maturity with compounding.
PPF Calculator
Project a Public Provident Fund balance year by year.
Compound Interest Calculator
See how compounding grows money over time.
Lumpsum Calculator
Project growth of a one-time mutual fund investment.
Popular Guides
CAGR vs XIRR Explained
CAGR measures the annualised growth of a single investment between two dates. XIRR extends this to multiple cash flows on different dates, making it the right tool for SIPs.
bankingCumulative vs Non-Cumulative FD
A cumulative FD reinvests interest until maturity for a higher final value; a non-cumulative FD pays interest out periodically for regular income.
bankingFD vs PPF: A Practical Comparison
An FD is a flexible bank deposit for any term; PPF is a long-tenure government savings scheme with annual compounding. They serve different horizons and purposes.
loansFixed vs Floating Interest Rates
A fixed rate keeps your EMI constant regardless of market movements; a floating rate moves with a benchmark, so your EMI or tenure can change over time.
retirementHow Compound Interest Works
Compound interest is interest earned on both your principal and previously earned interest. Over time, and with more frequent compounding, it grows money faster than simple interest.
loansHow Is EMI Calculated?
An EMI is calculated with a standard formula from the loan amount, the monthly interest rate, and the number of months. Each EMI pays some interest and some principal.
What you can expect
Genuinely free tools
Every calculator is free, with no sign-up and no account required.
Transparent formulas
We show the exact math behind every result — no black boxes.
Easy explanations
Each guide explains one concept, with a worked ₹ example, its limitations and the sources used.
India-focused
Rupee formatting, lakh/crore units, and India-relevant scenarios.
No return promises
Results are clearly labelled illustrations — never guarantees.
Educational tools, never sales pitches