Calculators

Change the numbers. The result updates. The formula sits under each tool.

SIP

Monthly amount invested at the start of each month.

Monthly amount (Rs)

Expected return % a year

Years

FV = P × ((1+i)^n − 1) / i × (1+i). i = annual rate / 12. n = years × 12. This is an annuity due.

Fixed deposit

Deposit (Rs)

Rate % a year

Years

A = P × (1 + r/m)^(m×t) with m = 4 (quarterly).

EMI

Loan (Rs)

Rate % a year

Years

EMI = P × i × (1+i)^n / ((1+i)^n − 1). i = annual rate / 12. n = years × 12.

Income tax, new regime FY 2026-27

Taxable salary before standard deduction (Rs)

Slabs: 0–4 lakh nil, 4–8 5%, 8–12 10%, 12–16 15%, 16–20 20%, 20–24 25%, above 24 lakh 30%. Standard deduction Rs 75,000. Rebate 87A if taxable income is Rs 12 lakh or less. Cess 4%.

More tools (same formulas will be wired the same way): step-up SIP, lumpsum, SWP, loan prepay, RD, PPF, SSY, NPS, EPF, ELSS, HRA, LTCG, retirement, term cover, compound interest, regular vs direct.