IndiaCalc
Plan money decisions for the Indian market
Zero-latency SIP, EMI, FIRE, tax, and government scheme calculators. Share exact scenarios via URL — everything runs in your browser.
Investment & Wealth
SIP Calculator
Build Wealth with Systematic Investing
Project SIP maturity with inflation and post-tax toggles.
Step-Up SIP
Accelerate Wealth with Annual SIP Step-Ups
Model SIPs that grow by a fixed % every year.
Lump Sum
Grow a One-Time Investment
Estimate corpus from a single lump-sum investment.
SWP Calculator
Plan Systematic Withdrawals
See how long your corpus lasts with monthly withdrawals.
XIRR Calculator
Measure True Portfolio Returns
Compute XIRR for irregular cash flows (Newton-Raphson).
Debt Management
EMI Calculator
Know Your Exact Monthly EMI
Calculate EMI, total interest, and payment breakup.
Advanced Prepayment
Crush Debt Faster with Smart Prepayments
Lump-sum prepayments and annual EMI step-ups.
Tenure vs EMI
Choose Tenure Cut or EMI Cut
Side-by-side impact of prepayment strategies.
Refinance Analyzer
Should You Refinance Your Loan?
Compare switching costs vs interest savings.
Flat vs Reducing
Unmask Flat Rate Loans
Compare flat rate quotes with reducing balance reality.
Rent vs Buy
Decide: Rent or Buy Your Home?
Opportunity-cost aware rent vs buy analysis.
Retirement & Goals
Taxation & Salary
Income Tax
Old vs New Tax Regime Compared
Side-by-side FY tax under both regimes.
Capital Gains
Estimate STCG & LTCG Liability
Equity and real-estate capital gains (Indian rates).
HRA Exemption
Maximise Your HRA Exemption
Compute exempt HRA under Section 10(13A).
Take-Home Salary
See Your Real In-Hand Pay
Net salary after EPF, TDS, and professional tax.
Govt & Fixed Income
PPF
Grow Tax-Free with PPF
Public Provident Fund maturity and interest schedule.
NPS
Plan Your NPS Retirement Corpus
Estimate NPS corpus and annuity split.
EPF
Project Your EPF Balance
Employee Provident Fund growth with contributions.
SSY
Save for Your Girl Child (SSY)
Sukanya Samriddhi Yojana maturity calculator.
Post Office Schemes
Compare NSC, SCSS & KVP
India Post fixed-income scheme returns.
Bank FD / RD
Bank FD & RD Returns
Fixed and recurring deposit maturity values.