Free India calculators
Calculators for loans, SIP, and tax
Pick a tool below to estimate an EMI, project SIP growth, or compare income tax regimes. Each result is an estimate based on the inputs you enter.
Loan
EMI and loan repayment estimates.
Investment
SIP and compounding projections.
Tax
Income tax and regime comparisons.
Personal Loan EMI
See the monthly EMI and total interest for an unsecured personal loan.
Old vs New Tax Regime
Compare estimated income tax under the old and new regimes using the deductions and income you enter.
How results are calculated
The formulas behind the estimates
Each calculator applies a standard formula to the inputs you provide. Results are estimates and will vary if your rate, tenure, or assumptions change.
1. EMI
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is principal, r is the monthly rate, and n is the number of months.
2. SIP future value
FV = P × [((1+i)^n − 1) ÷ i] × (1+i), where P is the monthly investment, i is the monthly return, and n is the number of months.
3. Tax regimes
Tax is computed on taxable income using the slabs and deductions applicable to each regime for the year selected.
Input guide FAQs
What is an EMI? An EMI is the fixed monthly payment toward a loan, covering principal and interest.
Does the SIP calculator guarantee returns? No. It projects growth from the rate you enter and cannot predict actual market returns.
Should I rely on these results for tax filing? Use them for estimation only, check current rules, and speak with a qualified tax professional about your situation.