Free Financial Calculators for India — Smart Bank Tools
Calculate EMI, FD, RD, SIP, PPF, EPF, NPS, Income Tax, Salary, HRA, Retirement, and Credit Card payments with clear assumptions and instant results. Free, fast, and no login required.
Loan Calculators
Compare EMIs, interest rates, and loan terms for home, personal, auto, and credit card loans in India.
- EMI Calculator — Calculate monthly loan repayment EMI, total interest, and loan amortization schedule.
- Credit Card EMI Calculator — Calculate credit card EMI conversion cost, processing fees, GST, and no-cost EMI comparison.
- Credit Card Interest Calculator — Estimate revolving credit card finance charges, APR, and minimum amount due traps.
Investment & Savings Calculators
Project long-term compound growth, interest rates, and returns for guaranteed and market-linked savings.
- Fixed Deposit (FD) Calculator — Calculate FD maturity amount, quarterly compounding, and Sec 194A TDS thresholds.
- Recurring Deposit (RD) Calculator — Estimate monthly RD maturity value and interest earnings for bank recurring deposits.
- SIP Calculator — Plan monthly mutual fund SIP investments, step-up SIP growth, and Budget 2024 LTCG/STCG tax impact.
- Public Provident Fund (PPF) Calculator — Project 15-year EEE tax-free PPF maturity, interest rate, and 5-year extension blocks.
- Sukanya Samriddhi Yojana (SSY) Calculator — Project 21-year EEE tax-free SSY account maturity for a girl child.
- CAGR Calculator — Calculate exact-date Compound Annual Growth Rate and inflation-adjusted real returns.
- Compound Interest Calculator — Calculate compound interest with daily, monthly, quarterly, semi-annual, or annual compounding.
- Simple Interest Calculator — Calculate simple interest on principal, interest rate, and tenure.
- Savings Account Interest Calculator — Estimate monthly/quarterly savings account interest and Section 80TTA/80TTB tax exemptions.
Tax & Salary Calculators
Estimate annual income tax, take-home salary, HRA exemption, EPF, NPS, and gratuity under Indian tax laws.
- Income Tax Calculator FY 2026-27 — Compare New Tax Regime vs Old Tax Regime, Sec 87A rebate, and marginal relief.
- Salary & CTC Calculator — Calculate monthly take-home salary from CTC, employer EPF, gratuity, and tax deductions.
- Government Salary Calculator — Estimate Central Government 7th Pay Commission salary, DA revisions, X/Y/Z city HRA, and UPS/NPS deductions.
- HRA Exemption Calculator — Calculate Section 10(13A) tax-exempt House Rent Allowance under Metro (50%) and Non-Metro (40%) rules.
- EPF & Employee Provident Fund Calculator — Calculate employee (12%) and employer EPF/EPS contributions and Section 10(11) interest tax limits.
- National Pension System (NPS) Calculator — Plan Tier-I & Tier-II NPS pension corpus, Section 80CCD(1B) extra ₹50,000 deduction, and 60% tax-free lump sum.
- Gratuity Calculator — Calculate gratuity payable under the Payment of Gratuity Act 1972 (15/26 formula) and Section 10(10) ₹20 Lakh tax exemption.
Financial Planning & Retirement Tools
Plan retirement corpus requirements, inflation impact, and systematic withdrawal plans for monthly income.
- Retirement Planning Calculator — Estimate retirement corpus needed based on monthly expenses, inflation, and multi-asset asset allocation.
- Inflation Calculator — Calculate future purchasing power and cost of living increases over time.
- Systematic Withdrawal Plan (SWP) Calculator — Plan monthly mutual fund pension withdrawals, corpus duration, and equity/hybrid capital gains tax.
Why Smart Bank Tools?
Smart Bank Tools provides free, practical financial tools for individuals, salaried employees, and investors in India. All calculations run directly in your browser with zero login required.