Financial Calculators, beautifully simple.
Free mortgage, loan, EMI, SIP, investment, retirement and tax calculators.
Plan investments, loans, taxes and retirement with fast, accurate tools — clear charts, worked examples, and zero clutter.
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SIP Calculator
Live preview
- Monthly
- ₹10,000
- Duration
- 15 years
- Return
- 12% p.a.
Projected value
₹50.46L
The best place on the internet for financial calculations
FinCalcHub is a free suite of financial calculators for every money decision — investments, loans, EMIs, taxes, retirement, savings and more. Instead of a single number, each tool gives you live results, clear charts, worked formulas and side-by-side comparisons, so you can decide with confidence rather than guesswork.
Accurate & private
Every tool draws from one tested formula library, and every calculation runs in your browser — nothing you type is stored or sent anywhere.
Fast & free
Results update live as you type. No sign-ups, no paywalls, no limits — just answers, on any device, in seconds.
Actually explained
Each result comes with charts, a worked formula and real examples, so you understand the number — not just read it.
From question to decision in four steps
No spreadsheets, no formulas to memorise — just clear answers you can trust.
Pick a calculator
Search or browse by category to find the exact tool for your question — from SIP returns to home-loan EMIs.
Enter your numbers
Type or drag the sliders. Every field snaps to sensible values and the result recalculates instantly — no “Calculate” button.
See the full picture
Get the headline figure plus charts, a year-wise table, the worked formula and inflation-adjusted value.
Compare & decide
Weigh two scenarios side by side, export a report, and act with the whole trade-off in front of you.
Not just a calculator — an assistant
Every calculator can now take plain-English input and explain your results — so you get answers, not just numbers.
Describe it, don’t fill it
Type your goal in plain English — “invest ₹20k a month for 15 years at 12%” — and AI fills the calculator for you.
Understand your results
One tap turns the numbers into a clear, plain-English explanation of what they mean and what’s driving them.
AI explanations are educational, not financial advice.
Popular financial tools
The calculators people reach for most often.
SIP Calculator
Estimate the future value of your monthly mutual fund SIP investments.
EMI Calculator
Calculate the monthly instalment, total interest and payoff for any loan.
Home Loan Calculator
Work out your home-loan EMI and see how extra payments cut interest and payoff time.
Income Tax Calculator
Calculate your income tax with a clear slab-by-slab breakdown under the new and old regimes.
FD Calculator
Calculate the maturity value and interest earned on a fixed deposit.
Take-Home Salary Calculator
Convert your CTC into monthly in-hand salary after EPF and taxes.
Old vs New Tax Regime Calculator
Compare tax under the Old and New regimes for the same salary and see which one saves you more.
Lumpsum Calculator
Project the future value of a one-time investment with annual compounding.
Latest calculators
Freshly added tools, hot off the press.
Home Value Calculator
Project a property’s future value and the true cost of owning it — down payment, appreciation, tax, insurance and maintenance.
Reverse GST Calculator
Extract the base price and GST hidden inside a GST-inclusive amount.
VAT Calculator
Add or remove VAT at any rate and split an amount into net price and tax.
Step-up SWP Calculator
Model an SWP whose monthly withdrawal rises each year with inflation.
Senior Citizen FD Calculator
Calculate the maturity of a senior-citizen fixed deposit and the extra earned from the rate bonus over a regular FD.
Salary Arrears Relief Calculator (Sec 89)
Estimate your Section 89(1) tax relief on salary arrears that push you into a higher slab.
RD vs Lumpsum FD Calculator
Compare saving monthly in a recurring deposit against investing the same total as a lump-sum fixed deposit.
PPF vs FD Calculator
Compare the same yearly deposit growing in a tax-free PPF versus a taxable fixed deposit.
Browse by category
Find the right tool for every money decision.
Investment
Grow your wealth with SIP, lumpsum, FD, RD and more.
Loans & EMI
Plan borrowings with EMI, amortisation and eligibility tools.
Taxes
Estimate income tax, GST and take-home with clarity.
Salary
Break down CTC, in-hand pay and deductions.
Retirement
Build a corpus with NPS, PPF and retirement planning.
Business
Margins, GST and cash-flow tools for founders.
Personal Finance
Budgeting, net worth and emergency-fund planning.
Real Estate
Home loans, rent-vs-buy and property affordability.
Crypto
Model crypto gains, DCA and volatility.
Insurance
Cover estimates for term, health and life policies.
Not your average calculator site
The same trusted maths everyone uses — wrapped in tools that actually help you decide.
Compare scenarios side by side
Weigh a 15-year vs a 30-year loan, or two return rates, in one view — with the difference on every metric. Most calculator sites make you run it twice and remember the numbers.
See the payback, not just the EMI
Model extra monthly payments and a lump-sum prepayment, then watch the interest saved and years shaved off — live. A "one-stop" loan view others charge for or skip entirely.
Real, inflation-adjusted value
Every projection also shows what your money is actually worth in today’s terms. Because ₹1 crore in 20 years isn’t ₹1 crore today — and honest tools say so.
Any currency, one switch
Flip between ₹, $, €, £ and the entire calculator follows — inputs, charts and tables. Not locked to a single region like most finance calculators.
Timeless money wisdom
What the great investors and thinkers learned about money.
The stock market is a device for transferring money from the impatient to the patient.
Warren BuffettInvestor, Berkshire HathawayAn investment in knowledge pays the best interest.
Benjamin FranklinFounding Father & polymathIt’s not how much money you make, but how much money you keep.
Robert KiyosakiAuthor, Rich Dad Poor DadTime is your friend; impulse is your enemy.
John C. BogleFounder, VanguardKnow what you own, and know why you own it.
The big money is not in the buying and selling, but in the waiting.
Charlie MungerVice Chairman, Berkshire HathawayPortraits via Wikimedia Commons: Warren Buffett — U.S. International Trade Administration, public domain; Benjamin Franklin — J. S. Duplessis, public domain; Robert Kiyosaki — Gage Skidmore, CC BY-SA 2.0; John C. Bogle — Bill Cramer, CC BY-SA 4.0; Charlie Munger — Nick (Nick Webb), CC BY 2.0.
The FinCalcHub team
Independent · India-first · ad-light
FinCalcHub is built by a small, independent team of engineers and finance enthusiasts who were tired of slow, cluttered, ad-heavy calculator sites that hand you a number and no explanation. We set out to build the tools we wanted ourselves — accurate, transparent and genuinely useful for real money decisions in India and beyond.
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Correctness first — one shared, tested formula library powers every tool.
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Privacy by default — calculations run in your browser, never on a server.
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Free forever — no accounts, no paywalls, no selling your data.
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Clarity over clutter — fast pages, honest numbers, no ad maze.
Guides, articles & explainers
Plain-English reads to help you make smarter money decisions.
How to use Monte Carlo simulation for retirement planning
A step-by-step guide to stress-testing your retirement plan with Monte Carlo scenarios and interpreting the results.
31 Jul 2026Why Monte Carlo matters: stress-testing your investment plan
Most investors plan for the average. But what happens in bad markets? Monte Carlo simulation shows you the full range of outcomes so you don't get blindsided.
31 Jul 2026What is Monte Carlo simulation? Understanding the math behind outcomes
Monte Carlo generates thousands of random scenarios to model investment outcomes. Here is what it does, why it matters, and what assumptions drive it.
31 Jul 2026How to read your salary slip (CTC vs in-hand)
Basic, HRA, PF, professional tax, TDS — a plain-English decode of every line on your payslip and why your in-hand is less than your CTC.
28 Jul 2026How to apply for a home loan: a step-by-step guide
From checking eligibility to disbursal — the documents, steps and pitfalls of applying for a home loan in India, and how to get the best rate.
27 Jul 2026How to plan a wedding budget without going into debt
Weddings are emotional and expensive. Here is how to set a realistic budget, save for it in time, and avoid starting married life in the red.
27 Jul 2026Frequently asked questions
Are the calculators free to use?
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How accurate are the results?
Can I use these on mobile?
Do the calculators work offline?
Which currencies are supported?
How often are the calculators updated?
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Is FinCalcHub financial advice?
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From investments to loans and taxes — find the right tool in seconds.
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