Your Complete Financial Planning Platform
Precision tools and expert guidance for modern investors worldwide. Plan your investments, calculate loans, optimize taxes, and secure your retirement with bank-grade accuracy.
Investment & Wealth
View All →- Interest Calculator→
- Investment Calculator→
- Finance Calculator→
- Compound Interest Calculator→
- Interest Rate Calculator→
- Savings Calculator→
- Simple Interest Calculator→
- CD Calculator→
- Bond Calculator→
- Average Return Calculator→
- IRR Calculator→
- ROI Calculator→
- Payback Period Calculator→
- Present Value Calculator→
- Future Value Calculator→
Home Loans & Real Estate
View All →- Mortgage Calculator→
- Amortization Calculator→
- Mortgage Payoff Calculator→
- House Affordability Calculator→
- Rent Calculator→
- Debt-to-Income Ratio Calculator→
- Real Estate Calculator→
- Refinance Calculator→
- Rental Property Calculator→
- APR Calculator→
- FHA Loan Calculator→
- VA Mortgage Calculator→
- Home Equity Loan Calculator→
- HELOC Calculator→
- Down Payment Calculator→
- Rent vs Buy Calculator→
Business & Other Tools
View All →- Loan Calculator→
- Payment Calculator→
- Currency Calculator→
- Inflation Calculator→
- Sales Tax Calculator→
- Credit Card Calculator→
- Credit Cards Payoff Calculator→
- Debt Payoff Calculator→
- Debt Consolidation Calculator→
- Repayment Calculator→
- Student Loan Calculator→
- College Cost Calculator→
- VAT Calculator→
- Depreciation Calculator→
- Margin Calculator→
- Discount Calculator→
- Business Loan Calculator→
- Personal Loan Calculator→
- Boat Loan Calculator→
- Lease Calculator→
- Budget Calculator→
- Commission Calculator→
- Free Invoice Generator→
India's Leading Financial Education & Calculation Hub
Navigating the financial landscape in India requires precision and the right tools. Welcome to FinCalculator.cloud, a dedicated platform empowering every Indian—from a first-time earner in Bangalore to a small business owner in Jaipur—with bank-grade financial clarity.
Why Financial Literacy Matters in Bharat
India is witnessing a historic shift from traditional physical assets to financial ones like Mutual Funds and PPF. However, with this transition comes a high need for financial literacy. Miscalculating inflation or choosing the wrong tax regime can cost an average Indian household lakhs of rupees over a decade.
Our mission is to simplify these complex "money moves." We provide free, transparent, and accurate calculators tailored specifically for the Indian financial ecosystem, including GST, SIP, Income Tax (Old vs New), and Gratuity.
1. Investment & Wealth Creation (Lumpsum & SIP)
The SIP (Systematic Investment Plan) has become a household name. By investing as low as ₹500 per month, Indian investors are building significant wealth through compounding. Our SIP Calculator helps you visualize how your wealth grows in "Lakhs and Crores" over decades.
For one-time bonuses or asset sales, the Lumpsum Calculator is essential. In an era where Inflation in India hovers around 6%, simply keeping money in a savings account loses wealth over time.
2. Guaranteed Returns: FD, RD, and PPF
Despite the rise of stocks, Fixed Deposits (FD) remain the bedrock of Indian savings. Our FD Calculator uses quarterly compounding—the standard used by major Indian banks—to ensure your maturity amount is calculated to the last rupee.
For long-term tax-free wealth, use our PPF Calculator to see the impact of the "5th of the Month" rule to maximize your tax-free interest earnings.
3. Taxation: Deciphering the Indian Tax Code
Our Income Tax Calculator (FY 2024-25) is updated with the latest Union Budget changes. Whether you want to claim deductions in the Old Regime or opt for the New Regime, our tool provides a side-by-side comparison.
For GST-registered businesses, our GST Calculator handles all Indian slabs—5%, 12%, 18%, and 28%—instantly, simplifying invoicing for freelancers and SMEs.
4. Loans & EMIs: Don't Let Debt Drown You
Whether it's a Home Loan or a Personal Loan, knowing your EMI is a prerequisite for financial stability. Our EMI Calculator provides a detailed amortization schedule, showing exactly how much interest you pay over time.
Use this tool to plan pre-payments. Paying even one extra EMI every year can shave years off a 20-year home loan and save lakhs in interest.
5. Planning for Milestones: Education & Marriage
Indian social structure places extreme importance on Children's Higher Education and Grand Weddings. However, the cost of an MBA or a destination wedding is rising at 10% inflation—faster than regular groceries. Our Goal Planner enables parents to work backward: enter the amount you need in 15 years, and we tell you the monthly SIP required today.
6. Retirement & Professional Exit: Gratuity & Pension
Leaving a job after a long tenure? Use our Gratuity Calculator to estimate your statutory payout based on the 15/26 formula mandated by the Payment of Gratuity Act. Coupled with our Retirement Planning tools, you can ensure that your hard-earned corporate benefits are invested wisely to provide a steady income in your non-working years.
Indian Personal Finance: Frequently Asked Questions
LIC vs PPF vs ELSS?
PPF for safety, ELSS for growth, LIC for cover. Experts recommend ELSS for growth and PPF for stability.
How much for retirement?
The '25X Rule' (25x annual expenses) is a good thumb rule. Account for India's high medical inflation.
New vs Old Tax Regime?
Use a Tax Calculator to compare. New is simpler, but Old may benefit those with heavy HRA or Home Loans.
GST for freelancers?
Mandatory if interstate services are provided or turnover exceeds 20L. Always verify latest government slabs.
Calculator Accuracy?
We use standard bank formulas (Quarterly Compound for FD, Monthly for EMI) for bank-grade precision.
Equity vs Debt Mix?
Try '100 minus Age' for equity. If you are 30, keep 70% in equity and 30% in debt/safety.
FinCalculator.cloud is an educational initiative provided for free to the Indian public. We are not a SEBI-registered advisor. The calculations provided are estimates and should be used for informational purposes only. Investment in securities market are subject to market risks. Read all scheme related documents carefully before investing.