CalcMate: Free Financial Calculators for India
Calculators for loans, investments, tax, salary, and everyday math. Enter your numbers to see the monthly payment, total interest, and full schedule.
128 free calculators · Rates from 32 banks · Tax rules for FY 2026-27
- Free
- No sign-up
- Formulas as per RBI and Income Tax rules
- Download schedules
Rates today
As of 21 October 2026 · how we verify
- Best FD rateup to 8.25%Suryoday SFB · The highest verified bank FD rateCompare all FD rates →
- Home loanfrom 7.25%Bank of Maharashtra · The lowest verified starting rateCompare home loan rates →
- PPF7.1%Set by the government each quarterPPF calculator →
- Sukanya Samriddhi8.2%For a girl child's savings accountSukanya calculator →
- SCSS8.2%The senior citizens' savings schemeSCSS calculator →
Start here
Fixed deposit
Find the best rate for your amount and see what it grows to.
Find the best FD →Home loan EMI & prepayment
Your monthly EMI, and the interest a little extra each month saves.
Calculate EMI →Income tax: old or new regime?
Tax under both regimes side by side, with your deductions.
Calculate tax →Credit card costs
What paying only the minimum due costs, and how to clear it sooner.
Check your card →
Browse calculators by category
EMI for any loan, what you can borrow, and what paying early saves.
All Loans →What the minimum due really costs, and whether a card earns back its fee.
All Credit Cards →SIP, lumpsum and mutual fund plans, and the real return on what you hold.
All Investments →FD and RD maturity, the highest bank rates, and where to put your FD.
All FD & Savings →PPF, Sukanya, SCSS and the other small savings schemes, at the official rates.
All Post Office →Income tax under both regimes, TDS, capital gains and GST.
All Tax →Take-home pay, EPF and gratuity, and the corpus you need to retire.
All Salary & Retirement →How much cover your family needs, and the monthly saving for a goal.
All Insurance & Goals →
Big money questions
Worked out with the same calculators you can open and change.
I have ₹10 lakh: where should I put it in FD?
- All in Ujjivan SFB
- ₹11,61,361
- 7.55% for 2 years · ₹6,61,361 above the ₹5 lakh cover
- Split across 3 banks
- ₹11,60,712
- 7.52% average · all of it within the cover
Splitting costs ₹649 of interest and keeps every rupee insured.
See the options →Should I pay ₹3,000 extra on my home loan every month?
- EMI only
- ₹54,13,942
- interest over 20 years
- EMI + ₹3,000 a month
- ₹44,74,572
- interest · closes in 17 years 1 month
On ₹50 L at 8.5%, the extra saves ₹9,39,370 and 2 years 11 months of EMIs.
See the schedule →Old or new tax regime at a ₹15 lakh salary?
- New regime
- ₹97,500
- tax for the year
- Old regime
- ₹2,02,800
- with ₹1.75 lakh of 80C and 80D
The new regime saves ₹1,05,300 a year here.
Add your deductions →What if I pay only the minimum due on ₹50,000?
- Minimum due only
- ₹2,61,434
- interest and GST · 30 years 5 months
- ₹5,000 a month
- ₹17,499
- interest and GST · 1 year 2 months
At 3.75% a month, a fixed payment clears the card years sooner, for a fraction of the cost.
Use your card's figures →
Compare bank rates
From the published rate cards of 32 Indian banks. As of 21 October 2026.
Highest FD rates
| Suryoday SFBSmall finance bank | up to 8.25% |
|---|---|
| Jana SFBSmall finance bank | up to 8% |
| Ujjivan SFBSmall finance bank | up to 7.55% |
| DCB BankPrivate bank | up to 7.5% |
| Utkarsh SFBSmall finance bank | up to 7.5% |
Lowest home loan rates
| Bank of Maharashtra | from 7.25% |
|---|---|
| Bank of Baroda | from 7.4% |
| Union Bank | from 7.4% |
| UCO Bank | from 7.4% |
| PNB | from 7.45% |
Lowest education loan rates
| Bank of MaharashtraStudy abroad · Maha Scholar Overseas (study abroad) | from 8.8% |
|---|---|
| Bank of BarodaStudy abroad · Baroda Scholar (study abroad), other institutions | from 9.2% |
| IDFC FIRSTStudy abroad · Study abroad, collateral-free | from 9.5% |
| Punjab & Sind BankStudy in India or abroad · PSB Model Education Loan | from 9.65% |
| Federal BankPrivate bank | from 9.75% |
Lowest bike loan rates
| Indian BankFloating | from 8.9% |
|---|---|
| ICICI BankTwo-Wheeler Loan | from 10.25% |
| Canara BankCanara Vehicle (2 Wheelers) | from 10.4% |
| Central Bank of IndiaCent Vehicle (2-Wheeler) | from 10.5% |
| Bank of BarodaDigital two-wheeler loan (fixed) | from 10.75% |
Starting rates go to the strongest profiles; your rate depends on the lender's assessment. Bank deposits are insured by DICGC up to ₹5 lakh per depositor per bank.
Guides
Straightforward explanations of loan terms, interest rules, and tax choices.