All Calculators
Every calculator on CalcMate, grouped by category and workflow.
How to choose the right calculator
Ten groups, and the one you want depends on what you are deciding. Borrowing: Loans covers the instalment, specific loans, eligibility and paying debt off, Credit Cards what a card balance costs, and Product EMI phones and appliances. Saving: Investments projects SIPs and measures what an investment actually earned, FD & Savings covers bank deposits and the best rates, and Post Office the small savings schemes.
Tax and pay: Tax covers income tax, TDS, capital gains and GST, and Salary & Retirement covers in-hand pay, PF, gratuity, NPS and the corpus you need. Insurance & Goals sizes your cover and the saving for a goal. For bank-specific rates and calculators, see the bank directory.
Loan & EMI Calculators
Every borrowing question in one place: the monthly instalment, what a specific loan costs, what you can borrow, and how to pay it off sooner.
EMI basics
Calculate monthly loan EMI in 5 seconds. View total interest, repayment breakdown, and full month-by-month amortization schedule for all loans in India.
Enter a price and your down payment to see the financed amount, monthly EMI, total interest and total cost of the purchase, in Indian rupees.
Estimate the EMI your income can support after existing obligations, and the loan amount that EMI buys at Indian lending rates and tenures.
Find the true cost of No Cost EMI offers in 5 seconds. Uncover hidden processing fees, GST, and forgone upfront cash discounts before buying.
Flat vs reducing rate calculator: convert a flat interest rate to its true reducing-balance rate, and compare the EMI and total interest on the same loan.
Loans by type
Calculate your home loan EMI in India, with total interest and a year-by-year amortisation schedule for tenures up to 30 years.
Enter the on-road price and your down payment to see the loan amount, monthly EMI, total interest and the full cost of financing a car in India.
Calculate the EMI, total interest and total repayment on a personal loan in India, and compare tenures from 12 to 60 months.
Work out the EMI on a bike or scooter in India after your down payment, with total interest, total cost and a tenure comparison.
Education loan EMI calculator for India: the EMI after the moratorium, interest added while you study, total cost and the 80E tax saving, with lender rates.
Gold loan EMI and maximum borrowing per gram in India under RBI's tiered LTV limit (85%, 80% or 75% by loan size), for 18K to 22K gold.
Calculate the EMI, total interest and repayment schedule on a business or MSME loan in India, and compare tenures before you sign with a bank or NBFC.
Loan against property EMI calculator: monthly LAP EMI, total interest and schedule, plus how much loan your house or shop can support at a given LTV.
Calculate the EMI on a PMMY Mudra loan in India. Pick Shishu, Kishor, Tarun or Tarun Plus, enter your bank's rate and tenure, and see the schedule.
Work out the EMI, total interest and repayment schedule on a second-hand car loan in India from the car price, your down payment, the rate and tenure.
Plan and repay
Work out the EMI, total interest and total repayment on any loan in India, and compare tenures side by side to see what a longer term really costs.
Find out how much interest a loan in India will cost over its full tenure, alongside the principal and total repayment, with a year-by-year breakdown.
Loan eligibility calculator: the loan amount you may get on your salary after existing EMIs, for home, car, personal and two-wheeler loans in India.
Loan prepayment calculator for home, personal and car loans: interest saved and months cut by a part-payment, and whether to reduce the EMI or the tenure.
Plan how to clear credit cards and loans in India. Compare Avalanche and Snowball: months to debt-free, total interest and the order each debt is paid off.
See if moving your home or other loan to a lower rate pays off: old vs new EMI, interest saved, net saving after fees and the month you break even.
Lowest loan rates
Home loan starting rates of 26 Indian banks, lowest first, with the EMI on your amount, processing fees where published and official sources.
Personal loan starting rates of 26 Indian banks, lowest first, with the EMI on your amount, processing fees where published and official sources.
Car loan starting rates of 21 Indian banks, lowest first, with the EMI on your amount, processing fees where published and official sources.
Education loan interest rates of 21 banks and NBFCs, lowest first, for study in India or abroad, with the EMI on your amount, tax benefit and sources.
Two-wheeler (bike) loan starting rates of 19 banks and NBFCs, lowest first, with the EMI on your amount, processing fees and official sources.
Credit Card Calculators
What carrying a balance costs, how fast you can clear it, and whether the card earns back its annual fee.
What a balance costs
See how long a credit card balance takes to clear if you pay only the minimum due, the interest and GST you pay each month, and what new spends add.
Plan paying off one or more credit cards: months to be debt-free on your budget, or the payment needed to clear them by a date.
Credit card EMI calculator: the instalment, total interest, processing fee and 18% GST on a card purchase converted to EMI, so you know the full cost.
Work out what withdrawing cash on a credit card costs: the cash advance fee, interest from day one, GST, the total and the effective annual cost.
Find what a foreign currency spend really costs on your credit card: forex markup, dynamic currency conversion, GST, the total in rupees and the effective rate.
Rewards and limits
Find out if a credit card is worth its annual fee: rewards a year from your spends by category, fee waiver, net value and the spend needed to break even.
Work out how much of your total credit card limit you are using across cards, and the payment that brings it under 30% or any target you choose.
Product EMI Calculators
EMI calculators for things you buy at a store or online, with fields for down payment, exchange value, processing fee and no-cost EMI offers.
Phones
Mobile EMI calculator: monthly EMI on any phone with down payment, exchange, card or no-cost EMI, and the interest, GST and fee you pay over 6 to 24 months.
Work out the EMI on an iPhone 18 Pro, Pro Max or any iPhone with your down payment, trade-in and card offer, and compare 12 to 36 month plans.
Electronics and appliances
Laptop EMI calculator: monthly EMI on any laptop or MacBook, with down payment, no-cost EMI, card interest, GST on interest and a 6 to 24 month comparison.
Work out the monthly EMI on a television, with wall mounting and installation costs kept separate, plus a full tenure comparison.
Calculate monthly EMI on 1-ton, 1.5-ton & 2-ton air conditioners. Factor in down payment, installation, piping, and 0-cost EMI offers in seconds.
Find the EMI on a refrigerator in India after down payment and exchange value, with total interest and a comparison across 12 to 36 months.
Calculate the EMI on a washing machine in India with down payment and exchange value, and see the total interest for each tenure.
Investment Calculators
Calculators for market-linked money: monthly and one-time investments, withdrawals, and the return an investment actually earned.
Mutual funds
Calculate mutual fund monthly SIP returns in India in seconds. See total wealth gain, a year-by-year growth chart and step-up SIP projections.
Step up SIP calculator: see how raising your monthly SIP by a percentage or fixed amount every year grows your corpus, with a year-by-year table.
Lumpsum calculator for mutual funds in India: what a one-time investment grows to at your expected return, with the gain, inflation and a yearly table.
Estimate ELSS mutual fund returns in India for a SIP or lumpsum, the Section 80C tax saved under the old regime, and what is still in the 3-year lock-in.
Model a mutual fund STP in India: a lumpsum in a liquid or debt fund moved monthly into equity. See both balances, the total and the year-by-year path.
SWP calculator for mutual funds in India: monthly withdrawal, corpus left and how long it lasts, with an annual step-up to keep pace with inflation.
Mutual fund returns calculator: current value, gain, absolute return and CAGR from NAVs, with exit load and an estimate of capital gains tax.
Measure returns
CAGR calculator: find the compound annual growth rate of a stock, mutual fund or any value from its start and end, with the formula and Excel method.
Work out the XIRR of your SIP or mutual fund investments in India from dated cash flows. See the annualised return, absolute return and total gain.
Calculate compound interest with yearly, half-yearly, quarterly or monthly compounding, and see the year-by-year growth in Indian rupees.
Simple interest calculator: interest and total on any principal, rate and period in years or months, using SI = P × R × T / 100, with worked examples.
Compare strategies
Compare the same money invested as a lumpsum today or as a monthly SIP in India. See both final values, the gap and a year-by-year table.
Calculate future cost of living and purchasing power loss in India, with a historical CPI index and the CBDT Cost Inflation Index (CII).
See your mix of equity, debt, gold and cash, set a target, and find how much to buy or sell to rebalance, or how to rebalance with new money only.
Shares and trading
Stock average calculator for shares: your average buy price across purchases, profit or loss today, and how many shares to buy to reach a target average.
Stock return calculator for Indian shares: profit from price gain and dividends after charges, total return % and the annual return (CAGR) over your holding.
Calculate a share's dividend yield from the dividend per share (or total dividends) and the price, and the yearly income a given investment could earn.
Work out brokerage, STT, stamp duty, SEBI fee, exchange charges and GST on a delivery, intraday, futures or options trade, with net P&L and break-even.
FD & Savings Calculators
What a deposit grows to, which bank pays the most for your amount and tenure, and what your savings account really earns.
Deposits
Calculate the maturity value and interest on a fixed deposit in India, with quarterly, monthly, half-yearly or yearly compounding and a payout option.
Enter your amount and tenure to see the highest bank FD rates, a split that keeps every rupee within ₹5 lakh DICGC cover, an FD ladder and TDS per bank.
Compare FD rates and maturity amounts across public, private and small finance banks and the Post Office, for general and senior citizens, by tenure.
RD calculator for Indian banks: maturity amount and interest on a monthly recurring deposit, compounded quarterly, with SBI, HDFC, ICICI and Axis RD rates.
Savings accounts
Work out savings account interest in India for any bank's slab rates, monthly or quarterly credit, with 80TTA and 80TTB tax and the best bank for your balance.
Savings account interest rates of 32 Indian banks, sorted by what your balance earns, with minimum balance and official sources.
Highest rates
Highest FD interest rates of 32 banks and the Post Office, ranked for 1, 2, 3 and 5 years, general and senior citizen, with official sources.
Savings account rates of 32 Indian banks ranked by what your balance actually earns, highest first, with minimum balance and sources.
Post Office Calculators
Every small savings scheme at the rate the government sets each quarter: PPF, Sukanya Samriddhi, SCSS, MIS, NSC, KVP and the Post Office RD and Time Deposit.
Small savings schemes
Calculate PPF maturity value in India using the official lowest-balance rule, with the deposit date that decides whether a month earns interest at all.
Sukanya Samriddhi Yojana calculator: SSY maturity value, tax-free interest and year-wise balance over 21 years at the current post office rate.
SCSS calculator at 8.2% for Oct-Dec 2026: quarterly payout, monthly equivalent and 5-year interest on up to ₹30 lakh, with TDS, tax and extension rules.
Calculate monthly interest payout on Post Office Monthly Income Scheme (POMIS) in India at 7.40% p.a. Check single (₹9L) and joint (₹15L) caps.
Calculate 5-year National Savings Certificate (NSC VIII Issue) maturity and interest in India at 7.70% p.a. with Section 80C deemed reinvestment.
KVP calculator: Kisan Vikas Patra at 7.5% doubles your money in 115 months. See the maturity value and date, early encashment values and tax.
Post Office RD calculator: maturity amount and interest on a 5-year recurring deposit at the current rate, compounded quarterly as India Post does.
Post Office FD calculator for 1, 2, 3 and 5-year time deposits: yearly interest, maturity amount and the 80C deduction on the 5-year term.
See the most you can borrow or withdraw from your PPF account each year under the PPF Scheme, 2019, with the balance and the real cost of a PPF loan.
Tax Calculators
Work out what you owe and when: income tax under both regimes, TDS, advance tax instalments, capital gains and GST.
Income tax
Calculate your income tax liability under Old vs New Tax Regime in India with standard deduction, 87A rebate, and slab comparison.
Salary TDS calculator for FY 2026-27: the monthly TDS your employer deducts under the new or old regime, and your take-home. Nil up to ₹12.75 lakh.
Advance tax calculator for FY 2026-27: instalments due on 15 June, 15 September, 15 December and 15 March, and the 234B and 234C interest if you pay late.
TDS calculator for FY 2026-27: TDS on professional fees, contractors, rent, commission and FD interest, with thresholds, the no-PAN rate and the net payout.
Calculate income tax for self-employed professionals and small business owners under Section 44AD (6%/8%) and Section 44ADA (50%).
Calculate income tax for Indian freelancers, consultants, IT developers, and content creators with the Section 44ADA 50% presumptive scheme.
See how much of your 80C, 80D, NPS and home loan limits is left, the old-regime tax saved by using it, and whether the new regime still costs less.
Capital gains
Capital gains tax calculator for FY 2026-27: tax on selling property, shares, mutual funds or gold, with LTCG and STCG rates, indexation and exemptions.
LTCG tax calculator for FY 2026-27: long-term capital gains tax on shares, equity mutual funds and property at 12.5%, after the ₹1.25 lakh equity exemption.
Calculate Short-Term Capital Gains (STCG) tax on listed shares and equity mutual funds at the revised 20% rate under Section 111A.
Salary & Retirement Calculators
What your pay works out to, what you are owed when you leave, and how much you need to stop working.
Pay and allowances
In-hand salary calculator for India: monthly take-home pay from your CTC after PF, professional tax and income tax, under the new or old tax regime.
HRA exemption calculator for India under rule 279 of the Income-tax Rules, 2026: 50% of basic in 8 cities, 40% elsewhere, with the landlord PAN threshold.
DA calculator for central government employees and pensioners: DA at the new 63% rate from 1 July 2026, the monthly rise from 60%, and your arrears.
8th Pay Commission salary calculator: revised basic pay and pension for central government employees at fitment factors from 1.92 to 2.86.
Work out statutory bonus under the Code on Wages, 2019 (8.33% to 20% of wages), or the take-home of a performance bonus after income tax.
Benefits on leaving
PF calculator for India: EPF corpus at retirement, monthly employee and employer contribution, and interest at the EPFO rate, with your current balance.
Gratuity calculator for India: the 15/26 formula for private employees, the 5-year rule, fixed-term pro rata payout and the ₹20 lakh tax exemption.
Leave encashment calculator: your earned leave payout at retirement or resignation and the tax-free part: up to ₹25 lakh for private staff, all for govt.
EPS pension calculator for EPS-95: your monthly EPFO pension from salary and service, with the new ₹25,000 wage ceiling, bonus years and early pension.
Retirement planning
Calculate your target retirement corpus, factor in Indian inflation, and compute the exact monthly SIP required to retire comfortably.
Find your FIRE number for early retirement in India from your expenses, inflation and withdrawal rate, plus the monthly SIP and Coast FIRE number today.
Plan your monthly retirement pension by allocating corpus across SCSS (8.2%), POMIS (7.4%), Annuity, and Mutual Fund SWP.
Find the amount you need invested today to coast to your FIRE number with no more saving, compare it with what you have, and see the age you get there.
Work out the corpus you need for Barista FIRE in India when part-time income covers some of your expenses, and compare it with full FIRE and its SIP.
NPS and pension schemes
NPS calculator for India: retirement corpus, tax-free lump sum and monthly pension under the 2025 exit rules, for government and private subscribers.
NPS annuity calculator: monthly pension from the part of your NPS corpus that buys an annuity, under the 2025 exit rules, with ROP and joint-life options.
Compare NPS with a mutual fund SIP: Section 80CCD(1B) tax savings, the NPS lump sum and annuity under the 2025 exit rules vs 12.5% LTCG, and liquidity.
Compare Employees' Provident Fund (EPF 8.25%) with National Pension System (NPS 10-12%): evaluate tax exemption, lumpsum, and pension.
Calculate Atal Pension Yojana monthly contribution by age in India. Guaranteed pension ₹1,000 to ₹5,000 and return of corpus to nominee.
Insurance & Goal Calculators
Protect the plan first, then fund it: how much insurance you need, and what to save each month for a goal with a price and a date.
Life cover
Work out how much term insurance cover you need from your income, age, loans and existing cover, and how long the policy should run.
Compare Pure Term Insurance + Mutual Fund SIP against traditional Endowment / Money-Back plans to see cover and maturity differences.
Calculate your Human Life Value (HLV) using the actuarial income replacement method to determine scientific life insurance requirements.
Calculate your comprehensive family life insurance gap by evaluating living expenses, home loans, education goals, and existing assets.
Save for a goal
Find the monthly SIP you need for any goal in India. Adjusts the target for inflation, counts savings you have, and shows step-up and lumpsum options.
Plan your child's higher education in India or abroad. See what the course could cost at admission and the monthly SIP or lumpsum needed to fund it.
Plan a wedding in India: break today's cost into venue, catering, clothing and jewellery, see what it could cost later and the monthly SIP to save it.
Work out the rupee cost of studying abroad from tuition and living costs, cost inflation and the exchange rate, and the monthly SIP needed to fund it.
Plan the down payment for a car: what it could cost when you buy, the cash you need, the monthly SIP to save it and the car loan EMI after you buy.
Plan a holiday without a loan: add travel, stay and other costs, see what the trip could cost by the date you travel and the monthly saving that covers it.
Work out an emergency fund from your monthly essentials, how far your savings already go, and how many months of saving it takes to reach the target.
Buying a home
Work out the down payment, stamp duty and registration for a home in India, what they could cost when you buy, and the monthly SIP needed to save them.
Decide whether to buy a home or rent and invest in India. Compare 20-year net worth, home loan EMI, property appreciation, and mutual fund compounding.
Work out stamp duty, any surcharge and the registration fee on a home in India from your state's rates, with the total and its share of the price.
See the highest home price you can afford in India from your income, existing EMIs, savings and loan rate, within RBI loan-to-value limits.
Work out the gross and net rental yield on a property in India after maintenance, property tax, vacancy and letting costs, and compare it with an FD.
Everyday Math Calculators
The everyday sums that sit behind money decisions: percentages, averages and what a piece of gold jewellery really costs.
Everyday maths
Calculate what percent one number is of another, a percentage of a value, percentage change, and increases or decreases, with Indian formatting.
Average calculator: the mean, median, mode, sum and range of any list of numbers. Paste or type numbers and see every result at once.
Gold rate calculator for jewellery in India: price for 24K, 22K or 18K gold with making charges, 3% GST and the BIS hallmarking fee.
Reviewed by Pradipta Ray, MBA (Finance) · Updated