Finance & Investment
Free Finance Calculators
Plan your investments, calculate returns, manage loans and budget your finances with our free, instant calculators. No signup, no ads blocking your results.
24
Tools
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📈 SIP
🏦 FD
💳 EMI
📊 Compound Interest
💹 ROI
🧾 Income Tax
🏷️ Discount
📉 Stock P&L
📋 Budget Planner
🏖️ Retirement
🏠 Loan Comparison
💱 Currency
🏦 Personal Loan
🏠 Home Loan
🏡 Mortgage
🚗 Car Loan
💳 Credit Card Int.
💰 Lump Sum Invest.
🧾 GST
💼 Salary
📊 Net Worth
💸 Debt Payoff
🎯 Savings Goal
📈 Inflation
🔥 FIRE Number
🏛️ PPF
👷 EPF
🎯 NPS
💰 80C Savings
📊 Capital Gains
🏅 Gratuity
🧾 TDS
💵 Dividend Yield
🪙 Crypto P&L
🥇 Gold Price
📜 Bond Yield
🛡️ Emergency Fund
⚖️ SIP vs Lump Sum
📅 Amortization
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SIP Calculator
Calculate returns on Systematic Investment Plan (Mutual Funds)
12%
10Y
Formula: M × [(1+r)ⁿ - 1] / r × (1+r)
Where M = monthly amount, r = monthly rate, n = months
Where M = monthly amount, r = monthly rate, n = months
Enter values and click Calculate
FD Calculator
Fixed Deposit maturity amount & interest earned
Enter values and click Calculate
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EMI Calculator
Calculate monthly loan installment for home, car or personal loans
8.5%
Enter values and click Calculate
Compound Interest Calculator
See how your money grows with the power of compounding
Enter values and click Calculate
ROI Calculator
Return on Investment — measure the efficiency of your investment
Enter values and click Calculate
Income Tax Estimator (India)
Estimate your income tax under New & Old Tax Regime FY 2024-25
New Regime Slabs (FY 2024-25):
Up to ₹3L: Nil | ₹3–7L: 5% | ₹7–10L: 10%
₹10–12L: 15% | ₹12–15L: 20% | Above ₹15L: 30%
Up to ₹3L: Nil | ₹3–7L: 5% | ₹7–10L: 10%
₹10–12L: 15% | ₹12–15L: 20% | Above ₹15L: 30%
Enter income and click Calculate
Discount Calculator
Find final price, amount saved and reverse discount calculations
Price → Discounted Price
Result
Find Discount %
Result
Reverse: Find Original
Result
Stock Profit & Loss Calculator
Calculate profit/loss including brokerage, STT and taxes
Enter trade details and click Calculate
Monthly Budget Planner
Track income vs expenses and plan your monthly budget (50/30/20 rule)
Monthly Expenses
Enter your income and expenses
Retirement Calculator
How much do you need to retire? How long will your savings last?
Enter details and click Calculate
Loan Comparison
Compare two loans side by side to find the best deal
🏦 Loan A
🏦 Loan B
Click Compare
Currency Converter
Convert between major world currencies (approximate rates)
Note: Rates are approximate. For live rates, check your bank or forex platform.
Enter amount to convert
Personal Loan Calculator
Calculate EMI, total interest & total payment for personal loans
12%
3Y
Typical Rates: Banks 10–18% | NBFCs 12–24% | Fintech 14–36%
Formula: EMI = P × r(1+r)ⁿ / ((1+r)ⁿ − 1)
Formula: EMI = P × r(1+r)ⁿ / ((1+r)ⁿ − 1)
Enter values and click Calculate
Home Loan Calculator
Calculate EMI, total interest & processing fee for home loans
8.5%
20Y
Tax Benefit: Section 24(b) allows up to ₹2L deduction on home loan interest per year!
Enter values and click Calculate
Mortgage Calculator
Property price with down payment — full cost breakdown & monthly payment
20%
Minimum down payment: 10–20% required by most lenders in India (LTV ratio 80–90%)
Enter values and click Calculate
Car Loan Calculator
Calculate car loan EMI with down payment & total cost of ownership
9%
60M
Typical Rates: SBI 8.65% | HDFC 8.75% | ICICI 8.85% | Used cars 12–20%
Enter values and click Calculate
Credit Card Interest Calculator
Find out how long to pay off credit card debt & total interest cost
36%
Warning: Credit card rates are 24–48% p.a. Always pay full dues to avoid interest!
Enter values and click Calculate
Lump Sum Investment Calculator
See how a one-time investment grows with compound returns over time
12%
10Y
Formula: FV = P × (1+r)ⁿ
Benchmarks: Nifty 50 avg ~12% | Gold avg ~8% | FD avg ~7%
Benchmarks: Nifty 50 avg ~12% | Gold avg ~8% | FD avg ~7%
Enter values and click Calculate
GST Calculator
Add or remove GST from any amount — includes CGST & SGST breakdown
GST Slabs: 0% | 5% | 12% | 18% | 28%
CGST = SGST = Half of GST rate (intra-state)
CGST = SGST = Half of GST rate (intra-state)
Enter amount and click Calculate
Salary Calculator
CTC to monthly in-hand salary breakdown (India)
40%
50%
PF: 12% of Basic deducted (employee) | Note: Actual in-hand varies by tax slab & 80C investments
Enter CTC and click Calculate
Net Worth Calculator
Total assets minus liabilities — find your true financial net worth
✓ ASSETS
✕ LIABILITIES
Enter your assets & liabilities
Debt Payoff Calculator
Find out exactly when you will be debt-free & total interest you will pay
12%
Avalanche Method: Pay high-interest debt first — saves most money
Snowball Method: Pay smallest balance first — builds momentum
Snowball Method: Pay smallest balance first — builds momentum
Enter debt details and click Calculate
Savings Goal Calculator
How long to reach your savings goal with monthly contributions & interest
7%
Popular Goals: Emergency fund (6 months expenses) | Home down payment | Child education | Retirement
Enter your goal details and click Calculate
Inflation Calculator
See how inflation erodes purchasing power & what your money will cost in future
6%
10Y
India CPI Inflation: Typically 4–7% p.a. | Rule of 70: Years to halve purchasing power = 70 ÷ inflation rate
Enter values and click Calculate
FIRE Number Calculator
Financial Independence, Retire Early — find your target corpus using the 4% rule
Formula: FIRE Number = Annual Expenses at Retirement ÷ Withdrawal Rate
4% Rule: Corpus lasts 30+ years if you withdraw 4% annually
4% Rule: Corpus lasts 30+ years if you withdraw 4% annually
Enter your details to find your FIRE number
PPF Calculator
Public Provident Fund maturity value — India's safest long-term savings scheme
Tax benefit: Contribution up to ₹1.5L deductible u/s 80C | Interest & maturity: Tax-free (EEE status)
Lock-in: 15 years, partial withdrawal from Year 7
Lock-in: 15 years, partial withdrawal from Year 7
Enter details to calculate PPF returns
EPF Calculator
Employee Provident Fund — projected corpus at retirement with employer match
Employee: 12% of Basic+DA | Employer: 3.67% to PF + 8.33% to EPS
Interest compounded annually on monthly running balance
Interest compounded annually on monthly running balance
Enter salary details to calculate EPF corpus
NPS Calculator
National Pension Scheme — projected corpus and monthly pension at retirement
Tax: Up to ₹2L deductible (₹1.5L u/s 80C + ₹50K u/s 80CCD(1B))
On retirement: 60% corpus tax-free lump sum, 40% used to buy annuity
On retirement: 60% corpus tax-free lump sum, 40% used to buy annuity
Enter details to calculate NPS corpus
Section 80C Tax Saving Calculator
See how much tax you save through ELSS, PPF, LIC, EPF and other 80C investments
80C Limit: Max ₹1,50,000 deduction | Uses Old Regime slabs (30% peak)
Switch to New Regime if total deductions below ₹3.75L
Switch to New Regime if total deductions below ₹3.75L
Enter your investments to calculate tax saved
Capital Gains Tax Calculator
STCG & LTCG on equity, mutual funds and property — India FY 2024-25
Equity STCG: <12 months → 20% | LTCG: >12 months → 12.5% (above ₹1.25L exempt)
Property LTCG: >24 months → 20% with indexation
Property LTCG: >24 months → 20% with indexation
Enter trade details to calculate capital gains tax
Gratuity Calculator
Calculate gratuity payable as per Payment of Gratuity Act, 1972 (India)
Formula (Covered): (Basic+DA × 15 × Years) ÷ 26
Tax-free limit: ₹20 lakh | Minimum 5 years service required
Tax-free limit: ₹20 lakh | Minimum 5 years service required
Enter your service details to calculate gratuity
TDS Calculator
Tax Deducted at Source — applicable rates for salary, FD interest, rent and more
Tip: Submit Form 15G/15H if total income below taxable limit to avoid FD TDS
TDS on FD applies when interest > ₹40,000/yr (₹50,000 for senior citizens)
TDS on FD applies when interest > ₹40,000/yr (₹50,000 for senior citizens)
Enter income details to calculate TDS
Dividend Yield Calculator
Calculate dividend yield, annual income and payback period from stock dividends
Dividend Yield = (Annual Dividend ÷ Share Price) × 100
India: Dividends added to income and taxed at your slab rate from FY21
India: Dividends added to income and taxed at your slab rate from FY21
Enter stock details to calculate dividend yield
Crypto P&L Calculator
Profit / loss on crypto trades with India TDS (1%) and flat 30% tax
India Crypto Tax (FY24-25): Flat 30% on gains (no deduction allowed, no loss set-off)
TDS: 1% deducted by exchange on each sell transaction > ₹10,000
TDS: 1% deducted by exchange on each sell transaction > ₹10,000
Enter trade details to calculate crypto P&L
Gold Price Calculator
Calculate value of gold jewellery or coins by weight and purity (karat)
Formula: Value = (Rate ÷ 10) × Weight × Purity × (1 + Making%) × (1 + GST%)
LTCG on gold: >24 months → 20% with indexation
LTCG on gold: >24 months → 20% with indexation
Enter gold details to calculate value
Bond Yield Calculator
Current yield and Yield to Maturity (YTM) for bonds and debentures
Current Yield = Annual Coupon ÷ Market Price × 100
YTM (approx) = [Coupon + (Face−Price)/Years] ÷ [(Face+Price)/2] × 100
YTM (approx) = [Coupon + (Face−Price)/Years] ÷ [(Face+Price)/2] × 100
Enter bond details to calculate yield
Emergency Fund Calculator
Find how much buffer you need and how long to build it
Best place to park: High-yield savings account or liquid mutual fund
Never invest emergency fund in stocks or locked-in instruments
Never invest emergency fund in stocks or locked-in instruments
Enter your expenses to calculate emergency fund
SIP vs Lump Sum Comparison
Compare wealth creation between monthly SIP and a one-time lump sum investment
SIP: Rupee-cost averaging reduces market timing risk
Lump Sum: Better if markets are at a low; higher risk but higher upside potential
Lump Sum: Better if markets are at a low; higher risk but higher upside potential
Enter amounts to compare SIP vs Lump Sum
Loan Amortization Schedule
Year-by-year breakdown of principal vs interest payments for any loan
Tip: Prepaying in early years saves far more interest than later years
Each EMI is the same amount, but the principal component grows each month
Each EMI is the same amount, but the principal component grows each month
Enter loan details to generate amortization schedule
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Educational use only. All tools and course content on SmartUtilz are for informational and study purposes. Results must be independently verified by a qualified engineer before use in any design or safety-critical application. Read full disclaimer →