EMI · SIP · GST · Capital Gains · PMAY · SSY · 50+ free calculators — with full amortisation and prepayment analyser.
EMI is calculated using the RBI reducing-balance formula based on loan amount, interest rate and tenure — as the outstanding principal falls each month, the interest portion shrinks and the principal portion grows. Use the Home Loan EMI Calculator above for your exact monthly payment, total interest and amortisation schedule.
SIP spreads investment over time and averages out market ups and downs, which suits regular salaried cash flow, while lumpsum can outperform if invested right before a sustained rally. There's no universal winner — compare both using the SIP and Lumpsum calculators above.
The old regime allows deductions like 80C, HRA and home loan interest, so it tends to suit people with significant investments or rent/EMI outgo. The new regime has lower slab rates but fewer deductions. Use the Income Tax Calculator above to compare your actual liability under both regimes for FY 2025-26.
To add GST, multiply the base price by (1 + GST rate/100). To remove GST from a GST-inclusive price, divide it by (1 + GST rate/100). Use the GST Calculator above to add or remove GST instantly across all slabs.
FOIR (Fixed Obligation to Income Ratio) is the share of your monthly income going toward existing EMIs and fixed obligations. Most Indian lenders prefer this under roughly 40-50% before approving a new loan. Check yours with the FOIR Calculator above.
PPF suits risk-averse savers who want guaranteed, tax-free returns with a long lock-in. ELSS suits those comfortable with market risk in exchange for potentially higher returns and the shortest 80C lock-in. NPS adds a retirement-focused option with deduction room beyond the 80C limit. Compare projected outcomes with the PPF, ELSS and NPS calculators above.
Gains are classified as short-term or long-term depending on the holding period, with equity and debt instruments taxed differently. Use the Capital Gains Tax Calculator above to work out your STCG or LTCG liability for FY 2025-26.
PMAY (Pradhan Mantri Awas Yojana) offers an interest subsidy on home loans for eligible income categories, lowering the effective interest cost over the loan tenure. Eligibility and subsidy amount depend on income category and the property's carpet area. Use the PMAY Subsidy Calculator above to estimate yours.