Financial Calculators & Planning Tools
Free, accurate calculators for Indian personal finance — loans, investments, taxes and savings. Every tool includes step-by-step guides, formulas and FAQs written by our editorial team.
How to use these tools
Each calculator on IFSCNOW is designed to answer a specific financial question — not just return a number. Enter your inputs (loan amount, interest rate, tenure, etc.), review the breakdown, and scroll below each tool for a plain-English explanation of the formula, worked examples, and answers to common questions.
Our calculators use standard RBI and industry formulas. Results are estimates for planning purposes only; always confirm final figures with your bank, insurer or tax advisor before making decisions. For deeper reading, explore our banking & finance articles.
Loans & Debt
Loan EMI Calculator
Monthly EMI, total interest and full amortization schedule for home, personal and car loans.
Mortgage Calculator
Home loan payments with down payment, property tax and insurance estimates.
Home Affordability
How much house you can afford based on income, existing EMIs and down payment.
Student Loan Calculator
Education loan EMI and total repayment over the moratorium period.
Credit Card Payoff
How long to clear card debt and how much interest you'll pay at minimum vs fixed payments.
Debt Snowball Planner
Pay off smallest debts first for psychological wins, then roll payments into larger ones.
Debt Avalanche Planner
Target highest-interest debt first to minimise total interest paid.
Debt-to-Income Ratio
Check if your EMI load is within the 40–50% threshold most lenders prefer.
Lease vs Buy
Compare total cost of leasing vs purchasing a car or equipment.
Investments & Savings
SIP Calculator
Project mutual fund SIP returns with step-up options and inflation adjustment.
PPF Calculator
15-year Public Provident Fund maturity with annual or monthly contributions.
Fixed Deposit Calculator
FD maturity amount with quarterly, monthly or cumulative interest payout.
Recurring Deposit Calculator
Monthly RD maturity and effective yield over your chosen tenure.
Mutual Fund Returns
Lump-sum and SIP returns with CAGR and absolute gain breakdown.
Compound Interest
See how compounding grows wealth over 5, 10 and 20 year horizons.
Investment Calculator
Goal-based investing — how much to invest monthly to reach a target corpus.
NPS Calculator
National Pension System corpus and estimated monthly pension at retirement.
Retirement Calculator
How much you need to save today to maintain your lifestyle after 60.
Tax & Budget
Income Tax Calculator
Compare old vs new tax regime and estimate tax liability for FY 2025-26.
GST Calculator
Add or remove GST at 5%, 12%, 18% or 28% slabs for invoices.
Budget Planner
50/30/20 rule planner with category-wise monthly expense tracking.
Savings Tracker
Track progress toward a savings goal with monthly contribution plans.
Emergency Fund Calculator
How many months of expenses to keep aside and how fast you can build it.
Net Worth Calculator
Assets minus liabilities — your complete financial snapshot in one view.
Business & Other
Break-Even Calculator
Units you must sell to cover fixed and variable costs.
Business Expense Tracker
Categorise and total business overheads for tax filing prep.
Hourly Wage Calculator
Convert annual salary to hourly, daily and monthly take-home.
Paycheck Calculator
Estimate in-hand salary after PF, professional tax and TDS deductions.
Inflation Calculator
What ₹1 lakh today will be worth in 10 or 20 years at given inflation.
Fuel Cost Calculator
Trip fuel expense based on distance, mileage and current petrol/diesel price.
Related reading
Pair these calculators with our in-depth articles for smarter decisions: