India Calculators – 48 Free Money Tools

SIP Calculator: See what a monthly SIP grows to, with a chart and year-by-year table
GST Calculator: Add or remove GST, with the CGST, SGST or IGST split for every item
PPF Calculator: PPF maturity at the current rate, with extensions and a year-by-year table
HRA Exemption Calculator: How much of your HRA is tax-free, with the least-of-three rule shown
EPF Calculator: Your provident fund balance at retirement, with the EPS split and a yearly table
NPS Calculator (National Pension System): NPS corpus at 60, the lump sum, the annuity and an estimated monthly pension
India Income Tax Calculator: Old regime against new regime, side by side, with the slab-wise working shown
Yojana Calculator: Six yojanas, what each pays a month or a year, and whether you appear eligible
Home Loan Eligibility Calculator: How much home loan your income supports, and the down payment it leaves you
Capital Gains Tax Calculator: Tax on a sale of shares, property or gold, under the rates that began in July 2024
Sukanya Samriddhi Calculator: SSY maturity at 21 years, the education withdrawal at 18, and a year-by-year table
NPS Vatsalya Calculator: A minor’s NPS account: the corpus at 18 on a return you choose, and what happens then
Brokerage Calculator: What a trade actually costs once STT, exchange charges, stamp duty and GST are added
ESI Calculator: Employee and employer ESI contribution from monthly wages, with the ₹21,000 coverage check
Crypto Tax Calculator: Tax on crypto gains in India: 30% plus cess per trade, no loss set-off, 1% TDS
Solar Rooftop Subsidy Calculator: PM Surya Ghar subsidy by system size, net cost, units generated and payback years
Vehicle Number RTO Decoder: Type an Indian number plate to see its state, its RTO office and what each part means
FD TDS Calculator: TDS a bank deducts on FD interest each year, with PAN or without, and what you keep
Milk Fat SNF Rate Calculator: Price of milk from fat % and SNF %, by rate per kg fat and SNF or by a rate chart
Fertilizer NPK Calculator: Kg and bags of Urea, DAP and MOP for your N-P-K dose, per hectare or per acre
PMFBY Premium Calculator: Farmer premium under PM Fasal Bima Yojana: 2% Kharif, 1.5% Rabi, 5% commercial crops
Sugarcane FRP Calculator: Cane payment at the 2026-27 FRP of ₹365 per quintal for your tonnes and mill recovery
NRE / NRO FD Calculator: Maturity of an NRI fixed deposit: tax-free NRE against NRO after 31.2% TDS or a DTAA rate
LRS TCS Calculator: TCS on money sent abroad under LRS: 2% or 20% above ₹10 lakh, 2% on tour packages
Arrears Relief Calculator: Tax relief on salary arrears under section 157(1), worked the way Form 39 asks
LTA Exemption Calculator: Tax-free Leave Travel Allowance for a trip in India under rule 278, block 2026-2029
ESOP Tax Calculator: Tax on stock options at exercise as a perquisite, and on the shares when you sell
Depreciation Calculator: Year-by-year depreciation by straight line, WDV, double declining or units of production
Marks Percentage Calculator: Percentage from marks for one exam or every subject, with best of five and pass marks
Land Area Converter: Bigha, kanal, guntha, cent, gaj, acre and hectare, with each state’s official figure
Cash Denomination Calculator: Count notes and coins by denomination: note counting with the total in figures and words
Financial Year Calculator: Indian financial year, assessment year, quarter and ITR due date for any date
Overtime Calculator: Overtime pay from monthly wages or an hourly rate: double rate in India, 1.5x in the US
NSC Calculator: NSC maturity after 5 years, with each year of interest the scheme treats as reinvested
KVP Calculator: How many months Kisan Vikas Patra takes to double, and what it is worth on the way
Post Office MIS Calculator: Post Office MIS monthly income, within the ₹9 lakh single and ₹15 lakh joint limits
SCSS Calculator: SCSS quarterly interest, every payment date for five years, and the ₹30 lakh limit
Post Office TD Calculator (Time Deposit): Post Office TD interest for 1, 2, 3 or 5 years, compounded quarterly and paid yearly
Advance Tax Calculator: Your four advance tax instalments for FY 2026-27, and the 234A, 234B and 234C interest
80C and 80D Deduction Calculator: How much of 80C, 80CCD(1B) and 80D you have used, and the old-regime tax it saves
EPS Pension Calculator: Your monthly EPS pension from pensionable wages and service, early or deferred
Education Loan EMI Calculator: EMI after the moratorium, interest in the course years, and the 80E tax saving
Gold Loan Calculator: How much loan your gold gets under RBI’s 85/80/75% LTV rule, and the interest
KCC Interest Calculator: Kisan Credit Card crop loan interest at 7%, or 4% when repaid on time, up to ₹3 lakh
Atal Pension Yojana Calculator: APY contribution for your age and pension, years paid, total paid and the corpus
GST Late Fee and Interest Calculator: Late fee for a late GSTR-3B or GSTR-1, and 18% interest on GST paid late
EPF Withdrawal Tax Calculator: TDS on an early PF withdrawal, with PAN or without, and which part is taxable
Pension Commutation Calculator: Commuted value of pension for central government pensioners: 40% lump sum from Table II

Collections with India calculators

Investment Calculators: SIP, lumpsum, deposits, withdrawals and the goal behind them, compared side by side · Stock Market Calculators: What a holding really cost, what a trade really costs, and what a dividend really pays · Tax Calculators: Income tax, GST and HRA worked out the way the rules actually apply · Loan Calculators: EMI, eligibility, prepayment and plain interest, with the schedule shown · Salary Calculators by Country: Gross to net pay country by country, plus CTC to in-hand, PF, gratuity and notice period for India · Government Scheme Calculators: The accounts the state runs: what the rate is, who may open one, and when the money comes out

Guides for these calculators

How to calculate GST inclusive and exclusive, and take GST out of a priceThe two GST formulas, adding GST and removing it from an inclusive price, worked at 5%, 18% and 40%, the CGST/SGST split, and why subtracting 18% is wrong.
Monthly interest on an FD, or cumulative? How each pays, with the arithmetic and TDSA non-cumulative FD pays interest monthly or quarterly; a cumulative one adds it on. ₹5 lakh at 7% for 5 years: ₹1,73,985 monthly, ₹2,07,389 cumulative.
Home loan prepayment: part payment vs full foreclosure, charges and the bank processPart payment or full foreclosure? The RBI rules on prepayment charges, the documents, the 4-step bank process and a ₹40 lakh worked example.
How to calculate HRA exemption, the least-of-three rule worked throughExempt HRA is the least of HRA received, rent minus 10% of salary, and 50% or 40% of salary. ₹50,000 basic and ₹18,000 rent: ₹13,000 a month tax-free.
What you are owed when you leave a job in IndiaNotice pay, unused leave, gratuity, provident fund and the tax on all of it, in the order they are worked out and settled after you resign.
How much interest you get on PF, and how EPFO works it out each monthPF earns 8.25% a year, worked out monthly and credited once a year. On ₹30,000 basic, the first year earns ₹2,322; ₹5 lakh already in earns ₹41,250 more.

SIP Calculator: See what a monthly SIP grows to, with a chart and year-by-year table
GST Calculator: Add or remove GST, with the CGST, SGST or IGST split for every item
PPF Calculator: PPF maturity at the current rate, with extensions and a year-by-year table
HRA Exemption Calculator: How much of your HRA is tax-free, with the least-of-three rule shown
EPF Calculator: Your provident fund balance at retirement, with the EPS split and a yearly table
NPS Calculator (National Pension System): NPS corpus at 60, the lump sum, the annuity and an estimated monthly pension
India Income Tax Calculator: Old regime against new regime, side by side, with the slab-wise working shown
Yojana Calculator: Six yojanas, what each pays a month or a year, and whether you appear eligible
Home Loan Eligibility Calculator: How much home loan your income supports, and the down payment it leaves you
Capital Gains Tax Calculator: Tax on a sale of shares, property or gold, under the rates that began in July 2024
Sukanya Samriddhi Calculator: SSY maturity at 21 years, the education withdrawal at 18, and a year-by-year table
NPS Vatsalya Calculator: A minor’s NPS account: the corpus at 18 on a return you choose, and what happens then
Brokerage Calculator: What a trade actually costs once STT, exchange charges, stamp duty and GST are added
ESI Calculator: Employee and employer ESI contribution from monthly wages, with the ₹21,000 coverage check
Crypto Tax Calculator: Tax on crypto gains in India: 30% plus cess per trade, no loss set-off, 1% TDS
Solar Rooftop Subsidy Calculator: PM Surya Ghar subsidy by system size, net cost, units generated and payback years
Vehicle Number RTO Decoder: Type an Indian number plate to see its state, its RTO office and what each part means
FD TDS Calculator: TDS a bank deducts on FD interest each year, with PAN or without, and what you keep
Milk Fat SNF Rate Calculator: Price of milk from fat % and SNF %, by rate per kg fat and SNF or by a rate chart
Fertilizer NPK Calculator: Kg and bags of Urea, DAP and MOP for your N-P-K dose, per hectare or per acre
PMFBY Premium Calculator: Farmer premium under PM Fasal Bima Yojana: 2% Kharif, 1.5% Rabi, 5% commercial crops
Sugarcane FRP Calculator: Cane payment at the 2026-27 FRP of ₹365 per quintal for your tonnes and mill recovery
NRE / NRO FD Calculator: Maturity of an NRI fixed deposit: tax-free NRE against NRO after 31.2% TDS or a DTAA rate
LRS TCS Calculator: TCS on money sent abroad under LRS: 2% or 20% above ₹10 lakh, 2% on tour packages
Arrears Relief Calculator: Tax relief on salary arrears under section 157(1), worked the way Form 39 asks
LTA Exemption Calculator: Tax-free Leave Travel Allowance for a trip in India under rule 278, block 2026-2029
ESOP Tax Calculator: Tax on stock options at exercise as a perquisite, and on the shares when you sell
Depreciation Calculator: Year-by-year depreciation by straight line, WDV, double declining or units of production
Marks Percentage Calculator: Percentage from marks for one exam or every subject, with best of five and pass marks
Land Area Converter: Bigha, kanal, guntha, cent, gaj, acre and hectare, with each state’s official figure
Cash Denomination Calculator: Count notes and coins by denomination: note counting with the total in figures and words
Financial Year Calculator: Indian financial year, assessment year, quarter and ITR due date for any date
Overtime Calculator: Overtime pay from monthly wages or an hourly rate: double rate in India, 1.5x in the US
NSC Calculator: NSC maturity after 5 years, with each year of interest the scheme treats as reinvested
KVP Calculator: How many months Kisan Vikas Patra takes to double, and what it is worth on the way
Post Office MIS Calculator: Post Office MIS monthly income, within the ₹9 lakh single and ₹15 lakh joint limits
SCSS Calculator: SCSS quarterly interest, every payment date for five years, and the ₹30 lakh limit
Post Office TD Calculator (Time Deposit): Post Office TD interest for 1, 2, 3 or 5 years, compounded quarterly and paid yearly
Advance Tax Calculator: Your four advance tax instalments for FY 2026-27, and the 234A, 234B and 234C interest
80C and 80D Deduction Calculator: How much of 80C, 80CCD(1B) and 80D you have used, and the old-regime tax it saves
EPS Pension Calculator: Your monthly EPS pension from pensionable wages and service, early or deferred
Education Loan EMI Calculator: EMI after the moratorium, interest in the course years, and the 80E tax saving
Gold Loan Calculator: How much loan your gold gets under RBI’s 85/80/75% LTV rule, and the interest
KCC Interest Calculator: Kisan Credit Card crop loan interest at 7%, or 4% when repaid on time, up to ₹3 lakh
Atal Pension Yojana Calculator: APY contribution for your age and pension, years paid, total paid and the corpus
GST Late Fee and Interest Calculator: Late fee for a late GSTR-3B or GSTR-1, and 18% interest on GST paid late
EPF Withdrawal Tax Calculator: TDS on an early PF withdrawal, with PAN or without, and which part is taxable
Pension Commutation Calculator: Commuted value of pension for central government pensioners: 40% lump sum from Table II