Free finance calculators
Loans, investments, savings schemes, tax and debt, worked out in your browser with schedules and charts. Amounts in lakh and crore or millions, in rupees or any currency.
The tools
See every ZapKit toolLoans
5 toolsEMIs for home, car and personal loans, and US mortgages, with full repayment schedules.
- EMI calculatorMonthly instalment, total interest and a year-by-year schedule for any loan.
- Home loan EMI calculatorEMI, interest and amortization for a home loan of up to 30 years.
- Car loan EMI calculatorEMI and total cost of a new or used car loan over 1 to 8 years.
- Personal loan EMI calculatorEMI and interest on an unsecured personal loan of up to 7 years.
- Mortgage calculator (US)Monthly mortgage payment with property tax, insurance, PMI and HOA.
Investing
8 toolsSIP, step-up SIP, lumpsum, SWP, compound interest, CAGR, inflation and retirement.
- SIP calculatorWhat a monthly mutual fund SIP could grow to, year by year.
- Step-up SIP calculatorA SIP that rises every year with your income, and what it grows to.
- Lumpsum calculatorWhat a one-time investment grows to, and how long it takes to double.
- SWP calculatorHow long monthly withdrawals from a corpus last, and what's left.
- Compound interest calculatorGrowth with yearly, quarterly, monthly or daily compounding and monthly additions.
- CAGR calculatorAverage yearly growth rate between a start and end value.
- Inflation calculatorFuture cost of things, and how much buying power money loses.
- Retirement / FIRE calculatorCorpus needed to retire, the FIRE number and the monthly SIP to get there.
Savings schemes
5 toolsFD, RD, PPF, NPS and Sukanya Samriddhi at current rates.
- FD calculatorFixed deposit maturity value and interest for any tenure and compounding.
- RD calculatorRecurring deposit maturity value with quarterly compounding.
- PPF calculatorPPF maturity over 15 years or longer at the current rate.
- NPS calculatorNPS corpus at 60, the lump sum you can take and your monthly pension.
- Sukanya Samriddhi calculatorSSY maturity value for your daughter at the current rate.
Tax & salary
6 toolsIncome tax old vs new regime, GST, HRA, gratuity, in-hand salary and hikes.
- Income tax calculator (India)Old vs new regime tax for FY 2026-27 and FY 2025-26, slab by slab.
- GST calculatorAdd or remove GST at 5%, 18%, 40% or any rate, with CGST and SGST.
- HRA exemption calculatorTax-free HRA under the old regime, with the 2026-27 list of 50% cities.
- Gratuity calculatorGratuity by the 15/26 formula, eligibility and the tax-free part.
- CTC to in-hand salary calculatorMonthly take-home pay from your CTC after PF, tax and professional tax.
- Salary hike calculatorNew salary from a hike %, or the hike % between two salaries.
Debt
2 toolsCredit card payoff and the snowball and avalanche methods for several debts.
Frequently asked questions
Are these calculators accurate?
They use the same formulas banks, fund houses and the Income Tax Department use, and every page explains its formula. Real results also depend on fees, tax and changing rates, so treat them as planning estimates.
Which rates and rules do they use?
Income tax follows the FY 2026-27 and FY 2025-26 slabs, GST the slabs in force since September 2025, and PPF, SSY and RD the government rates for October–December 2026. Each page says which year or quarter it uses.
Is my financial information stored?
No. Every calculation runs in your browser. The numbers you type are kept only in the page address, so you can bookmark or share a result; nothing is sent to our server.
Can I use them outside India?
The loan, investment and debt calculators work in any currency with international number formatting, and there's a US mortgage calculator. Tax, PPF, NPS and Sukanya Samriddhi follow Indian rules.