Finance & Investment Tools | SIP, FD, EMI, Tax — SmartUtilz

Calculate returns on Systematic Investment Plan (Mutual Funds)

Fixed Deposit maturity amount & interest earned

Calculate monthly loan installment for home, car or personal loans

Compound Interest Calculator

See how your money grows with the power of compounding

Return on Investment — measure the efficiency of your investment

Income Tax Estimator (India)

Estimate your income tax under New & Old Tax Regime FY 2025-26

Discount Calculator

Find final price, amount saved and reverse discount calculations

Stock Profit & Loss Calculator

Calculate profit/loss including brokerage, STT and taxes

Monthly Budget Planner

Track income vs expenses and plan your monthly budget (50/30/20 rule)

Retirement Calculator

How much do you need to retire? How long will your savings last?

Loan Comparison

Compare two loans side by side to find the best deal

Currency Converter

Convert between major world currencies (approximate rates)

Personal Loan Calculator

Calculate EMI, total interest & total payment for personal loans

Home Loan Calculator

Calculate EMI, total interest & processing fee for home loans

Mortgage Calculator

Property price with down payment — full cost breakdown & monthly payment

Car Loan Calculator

Calculate car loan EMI with down payment & total cost of ownership

Credit Card Interest Calculator

Find out how long to pay off credit card debt & total interest cost

Lump Sum Investment Calculator

See how a one-time investment grows with compound returns over time

Add or remove GST from any amount — includes CGST & SGST breakdown

Salary Calculator

CTC to monthly in-hand salary breakdown (India)

Net Worth Calculator

Total assets minus liabilities — find your true financial net worth

Debt Payoff Calculator

Find out exactly when you will be debt-free & total interest you will pay

Savings Goal Calculator

How long to reach your savings goal with monthly contributions & interest

Inflation Calculator

See how inflation erodes purchasing power & what your money will cost in future

FIRE Number Calculator

Financial Independence, Retire Early — find your target corpus using the 4% rule

Public Provident Fund maturity value — India's safest long-term savings scheme

Employee Provident Fund — projected corpus at retirement with employer match

National Pension Scheme — projected corpus and monthly pension at retirement

Section 80C Tax Saving Calculator

See how much tax you save through ELSS, PPF, LIC, EPF and other 80C investments

Capital Gains Tax Calculator

STCG & LTCG on equity, mutual funds and property — India FY 2025-26

Gratuity Calculator

Calculate gratuity payable as per Payment of Gratuity Act, 1972 (India)

Tax Deducted at Source — applicable rates for salary, FD interest, rent and more

Dividend Yield Calculator

Calculate dividend yield, annual income and payback period from stock dividends

Crypto P&L Calculator

Profit / loss on crypto trades with India TDS (1%) and flat 30% tax

Gold Price Calculator

Calculate value of gold jewellery or coins by weight and purity (karat)

Bond Yield Calculator

Current yield and Yield to Maturity (YTM) for bonds and debentures

Emergency Fund Calculator

Find how much buffer you need and how long to build it

SIP vs Lump Sum Comparison

Compare wealth creation between monthly SIP and a one-time lump sum investment

Loan Amortization Schedule

Year-by-year breakdown of principal vs interest payments for any loan

Indian Equity Tracker

Track Indian stock holdings and portfolio performance

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Disclaimer. These calculators are provided for educational and informational purposes only. Results are estimations and do not constitute professional financial, investment, tax, or mortgage advice. Consult a qualified financial advisor before making financial decisions. Read full disclaimer →

More Standalone Finance Calculators

Each tool below is also available as its own dedicated page with a full explanation, formula reference, and worked example:

APR Calculator IRR Calculator Payback Period Calculator Auto Lease Calculator Debt-to-Income Ratio Calculator Refinance Calculator Simple Interest Calculator CD Calculator Present Value Calculator Future Value Calculator Discount Calculator Stock Profit & Loss Calculator Mortgage Calculator Savings Goal Calculator Gratuity Calculator TDS Calculator Dividend Yield Calculator Crypto P&L Calculator Gold Price Calculator Bond Yield Calculator SIP vs Lump Sum Comparison