Calculators
Quick answers to money math
No calculate buttons, no clutter. Drag a slider, watch the number move. Every tool ends in something you can actually use — with formulas cited to RBI, ITD, EPFO and AMFI.
Quick answer
MoneyRadar offers 30+ free finance calculators for India — SIP, EMI, home loan, income tax (old vs new regime FY 2025-26), FD, PPF, NPS, GST, and take-home salary. Every result updates live; formulas are unit-tested and sourced to RBI, ITD, EPFO, and AMFI.
Calculator FAQs
- Which SIP calculator is best for India?
- MoneyRadar's free SIP calculator uses monthly compounding and shows total invested, growth, and final corpus for any monthly amount, return rate, and period — with formulas cited to AMFI standards.
- How do I calculate income tax for FY 2025-26?
- Use an income tax calculator that compares old vs new regime side by side. Enter salary, deductions (80C, HRA for old regime), and see tax, cess, and take-home under both.
- How is home loan EMI calculated?
- EMI uses the reducing-balance formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly rate, n is months. Total interest often equals or exceeds principal over 20 years.
- Are MoneyRadar calculators accurate?
- Yes — every formula is unit-tested and sources are cited (RBI, ITD, EPFO, AMFI, PFRDA). Rates are labelled with last-verified dates; always confirm current rules before major decisions.
Tax
Income tax calculator
Old vs new regime, side by side — see which one actually saves you money.
GST calculator
Add or remove GST at 5%, 12%, 18% or 28% — inclusive or exclusive.
Take-home salary calculator
Turn a scary CTC into what actually lands in your bank each month.
HRA exemption calculator
How much of your house-rent allowance is actually tax-free.
Gratuity calculator
The lump sum your employer owes you for sticking around 5+ years.
Freelancer tax calculator (44ADA)
Presumptive tax for freelancers — declare 50% as income, skip the bookkeeping.
Investing
SIP calculator
See what a steady monthly investment grows into.
Lumpsum calculator
Grow a one-time investment over time.
Goal planner
Work out the monthly SIP to hit a target amount.
Step-up SIP calculator
Increase your SIP a little every year — watch how much more it becomes.
CAGR calculator
The true annual growth rate of any investment, start value to end value.
Compound interest calculator
The eighth wonder of the world, with a slider. See interest earn interest.
Saving
FD calculator
Maturity value of a fixed deposit.
RD calculator
Maturity of a monthly recurring deposit.
PPF calculator
The tax-free long game: 15-year Public Provident Fund.
EPF calculator
Project your provident fund with EPFO's actual annual credit method.
Sukanya Samriddhi calculator
The highest safe, tax-free rate in India — for a girl child's future.
Loans & debt
Loan EMI calculator
Monthly instalment and the real interest you'll pay.
Credit card interest trap
See how long a balance takes to clear — and what it bleeds.
Home loan EMI calculator
Your monthly instalment and the real interest on a home loan.
Personal loan EMI calculator
The EMI and total cost of a personal loan — usually the priciest debt.
Education loan EMI calculator
Plan repayments on a student loan, moratorium and all.
Loan eligibility calculator
Roughly how much a bank will lend you, based on your income.
Loan prepayment calculator
See how paying a little extra each month clears the loan years early.