Free Financial Calculators
Estimate your EMI, SIP returns, lumpsum growth, savings goals, FD/RD maturity and PPF corpus — all in one place. Instant results, no login required.
EMI Calculator
Quick scenarios
EMI calculations assume a flat interest rate applied monthly. Actual EMI may vary based on lender's rate reset policy, processing fees, and disbursement schedule.
SIP Returns Calculator
Estimate the future value of your mutual fund SIP. Numbers shown are projections and not guaranteed.
Projections assume constant annual return. Actual mutual fund returns vary based on market conditions. This is for illustrative purposes only — not a guarantee of returns.
Start My SIP →Lumpsum Investment Calculator
Calculate the future value of a one-time lumpsum investment at an expected compounding return.
Returns are compounded annually. Actual investment returns depend on market conditions and are not guaranteed.
Invest a Lumpsum →Goal Planning Calculator
Find the monthly SIP needed to reach a specific financial goal — education fund, home down payment, or retirement corpus.
Cost of delaying your SIP start
SIP calculations assume constant monthly contributions and a fixed annual return. Actual returns vary with market performance.
Plan My Goal →Fixed Deposit Calculator
Calculate FD maturity amount for any bank rate, tenure and compounding frequency.
Quick presets
Compounding frequency
Selected: Monthly
FD returns are guaranteed by the bank. DICGC insures deposits up to ₹5 lakh per depositor per bank.
Recurring Deposit Calculator
Calculate RD maturity amount based on monthly deposit, rate and tenure.
Quick presets
RD interest is compounded quarterly for most banks. Actual interest may vary by bank and deposit terms.
PPF Calculator
Public Provident Fund offers EEE tax status — tax-free contribution, tax-free interest, tax-free maturity. Minimum lock-in: 15 years.
Quick presets
PPF rate is set by Government of India and revised quarterly. Current rate is 7.1% p.a. (Q1 FY26). Tax savings calculated at 30% slab assuming full ₹1.5L 80C deduction from PPF contribution.
EPF Calculator
Estimate your Employee Provident Fund corpus at retirement. EPF compounds annually at a rate declared by EPFO each year.
EPF rate is 8.25% p.a. for FY2024-25, declared by EPFO annually (usually March–April). Employer's 8.33% of basic+DA goes to EPS pension; 3.67% to EPF. This calculator combines both for corpus estimation. Actual corpus varies with salary increments.
Frequently Asked Questions
What is the EMI for a ₹25 lakh home loan?
At 7.25% p.a. for 20 years, the EMI for a ₹25 lakh home loan is approximately ₹19,750 per month. Use our EMI calculator above to adjust the rate and tenure for your specific case.
How much SIP is needed to reach ₹1 crore?
To accumulate ₹1 crore in 15 years at 12% p.a. expected returns, you need a monthly SIP of approximately ₹19,819. Starting earlier significantly reduces the required monthly amount.
How is EMI calculated?
EMI = P × R × (1+R)^N / ((1+R)^N − 1), where P is the principal, R is the monthly interest rate (annual rate ÷ 12 ÷ 100), and N is the number of monthly instalments.
What is a good expected return rate for SIP in India?
Nifty 50 index funds have delivered 11–13% CAGR over 15+ year periods. Large-cap funds average 12–14%. Mid-cap funds have delivered 14–18% over long periods but with higher volatility. Use 12% as a conservative planning assumption.
Are these calculators accurate?
These calculators use standard financial formulas (EMI formula, future value of SIP, compound interest). Results are indicative and assume a constant rate of return. Actual loan rates depend on lender, profile, and market conditions. Actual investment returns vary with market performance.