About Indian Finance Calculator

India's most trusted free financial calculator platform. Helping millions of Indians plan their taxes, investments, loans, and salaries with accurate, privacy-protected calculations since 2024.

16+
Free Calculators
2026
Always Updated
100%
Privacy Protected
Not Required
Registration

Our Mission

Indian Finance Calculator was created with a simple but powerful mission: to democratize financial planning for every Indian. We believe that accurate financial calculations should not be locked behind expensive software or require hiring costly consultants. Everyone deserves access to free, reliable tools for planning their taxes, investments, loans, and salaries.

In India, tax laws change annually with the Union Budget. Interest rates fluctuate. GST rules evolve. New investment schemes are introduced. Keeping up with these changes is challenging. That's why we built a platform that updates immediately after every policy change, ensuring you always get calculations based on the latest FY 2026-27 tax slabs, current interest rates, and accurate Indian formulas.

Whether you're a salaried employee planning your taxes, an investor building wealth through SIP, a home buyer calculating EMI affordability, or a professional comparing old vs new tax regime - our calculators provide instant, accurate results without compromising your privacy. All calculations happen in your browser. We never see or store your financial data.

Why Choose Us

16+ Free Calculators

Comprehensive suite of financial calculators including Income Tax, EMI, SIP, Salary, GST, HRA, CTC, PPF, FD, NPS, Loan Eligibility, Compound Interest, Gratuity, Age, Percentage, and Real Earning calculators.

100% Privacy Protected

All calculations are performed client-side in your browser. We never collect, store, or transmit your financial data. Your salary, tax details, and investment information remain completely private.

Instant & Accurate Results

Get real-time calculations using accurate Indian formulas and latest tax slabs for FY 2026-27. Compare old vs new tax regime, calculate EMI with amortization, and plan investments with precision.

For Everyone in India

Designed for salaried employees, self-employed professionals, investors, home buyers, students, and anyone planning their finances. Simple interface, detailed explanations, and step-by-step guides.

Completely Free Forever

No registration, no hidden fees, no premium tiers. All calculators are 100% free to use. Our mission is to make financial planning accessible to every Indian through ad-supported free tools.

Always Up-to-Date

We update our calculators immediately after every Union Budget, RBI policy change, and tax law amendment. Get calculations based on the latest 2026 tax slabs, interest rates, and financial regulations.

Our Complete Calculator Suite

Tax Planning

  • Income Tax Calculator
    Old vs New Regime comparison for FY 2026-27
  • GST Calculator
    Calculate GST 5%, 12%, 18%, 28% inclusive/exclusive
  • HRA Calculator
    House Rent Allowance tax exemption u/s 10(13A)

Salary & CTC

  • In-Hand Salary Calculator
    CTC to take-home salary breakdown
  • CTC Calculator
    Cost to Company structure and components
  • Gratuity Calculator
    Employee gratuity as per Gratuity Act 1972

Investments

  • SIP Calculator
    Mutual fund SIP returns with step-up option
  • PPF Calculator
    Public Provident Fund maturity (7.1% interest)
  • FD Calculator
    Fixed Deposit maturity - compare bank rates
  • NPS Calculator
    National Pension Scheme corpus and pension

Loans & EMI

  • EMI Calculator
    Home, car, personal loan EMI with amortization
  • Loan Eligibility
    Maximum loan amount based on salary
  • Compound Interest
    CI calculation with formula and examples

Utilities

  • Age Calculator
    Exact age in years, months, days from DOB
  • Percentage Calculator
    All types of percentage calculations
  • Real Earning Calculator
    Inflation-adjusted salary calculator

What Makes Us Different

1. Indian-Specific Calculations

Unlike generic calculators, ours are designed specifically for India. We use accurate Indian tax slabs for FY 2026-27 (AY 2027-28), incorporate Section 80C/80D deductions, calculate HRA exemption as per Indian rules, use Indian GST rates (5%, 12%, 18%, 28%), and factor in India-specific components like professional tax, gratuity calculation (4.81 formula), PPF interest (7.1%), and NPS tax benefits.

2. Educational Content Included

Every calculator comes with detailed explanations, step-by-step examples, formulas, FAQs, and tips. We don't just give you numbers - we help you understand how calculations work, why results differ between scenarios, and how to optimize your finances. Learn about old vs new tax regime differences, EMI vs interest components, SIP power of compounding, and tax-saving strategies.

3. No Registration or Login Required

Start calculating immediately. No signup forms, no email verification, no account creation. Just visit the calculator you need and get instant results. We respect your time and privacy. Your financial planning should be quick and hassle-free.

4. Mobile-Friendly Design

Calculate on any device - desktop, laptop, tablet, or smartphone. Our responsive design ensures perfect usability whether you're planning taxes on your computer at home or checking loan eligibility on your phone while meeting a bank manager. Same features, same accuracy, any screen size.

5. Regular Updates Based on Budget & Policy Changes

The Finance Minister announces the Union Budget every February. RBI changes interest rates quarterly. GST Council modifies tax rates periodically. We monitor all these changes and update our calculators within 24-48 hours. For FY 2026-27, all calculators reflect the latest tax slabs, deduction limits, exemption rules, and interest rates announced in Budget 2026.

Our Commitment to You

Accuracy First

We rigorously test every calculator against official government guidelines, chartered accountant recommendations, and real-world scenarios. If you find any discrepancy, report it and we'll fix it immediately.

Privacy Protected

Your financial data is sensitive. That's why all calculations happen in your browser using JavaScript. We don't have servers storing your salary, investments, or tax details. Zero data collection of calculator inputs. Period.

Always Free

We will never charge for basic calculator access. No "premium" features behind paywalls. No monthly subscriptions. Our revenue comes from non-intrusive ads, allowing us to keep all tools 100% free for everyone forever.

User-Centric Design

We listen to user feedback. Suggestions for new calculators, requests for additional features, and reports of issues are taken seriously. Our roadmap is driven by what Indians need for better financial planning.

Who Uses Our Calculators

Salaried Employees

  • Calculate income tax and compare old vs new regime
  • Find in-hand salary from CTC offers
  • Maximize HRA exemption and Section 80C deductions
  • Plan monthly SIP investments for retirement

Home Buyers

  • Calculate affordable home loan EMI
  • Check loan eligibility based on salary
  • Compare interest rates across banks
  • Plan prepayment to reduce interest burden

Investors

  • Project SIP returns over 10, 15, 20 years
  • Calculate PPF maturity with tax benefits
  • Compare FD rates and interest calculations
  • Plan NPS contributions for retirement corpus

Business Owners

  • Calculate GST on products and services
  • Determine employee CTC structures
  • Compute gratuity liabilities
  • Plan business loan EMIs

Students & Fresh Graduates

  • Understand CTC vs in-hand salary in job offers
  • Calculate education loan EMIs
  • Learn about tax planning and deductions
  • Start financial planning early with SIP calculators

Retirees

  • Calculate FD interest and maturity amounts
  • Determine NPS pension and annuity
  • Plan tax on pension income
  • Understand real earning power after inflation

Important Disclaimer

Indian Finance Calculator provides free educational tools for financial planning. Our calculators use standard formulas and latest tax slabs, but results are for informational purposes only and do not constitute professional financial, tax, or legal advice.

  • Tax Planning: Consult a certified chartered accountant (CA) for personalized tax planning. Actual tax liability may vary based on individual circumstances, eligible deductions, and Income Tax Department assessments.
  • Investment Decisions: Consult a registered financial advisor before making investment decisions. SIP, PPF, FD, NPS returns shown are indicative and may differ from actual returns.
  • Loan Planning: Verify EMI, loan eligibility, and interest rates directly with banks and financial institutions. Our calculators provide estimates only.
  • Salary Calculations: CTC to in-hand salary conversions are approximate. Actual take-home pay depends on company policies, PF contributions, professional tax, and other factors.

While we strive for accuracy, we cannot guarantee 100% precision in all scenarios. Always cross-verify critical financial decisions with qualified professionals. See our Terms and Conditions for detailed limitations of liability.

Get in Touch

Have questions, suggestions, or found an issue? We'd love to hear from you. Your feedback helps us improve our calculators for millions of Indian users.

Contact Information

Website: indianfinancecalculator.com

Email: support@indianfinancecalculator.com

We typically respond within 48-72 hours during business days.

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