Free Financial Calculators for India
PlanMyReturns is a free, privacy-first suite of 65+ Indian financial calculators for SIP, mutual funds, home loan EMI, income tax, PPF, NPS, EPF and retirement planning. Every calculation runs inside your browser, uses the latest Budget 2025-26 tax rules, and needs no sign-up, so you can plan investments, loans and taxes with zero guesswork.
What is PlanMyReturns?
PlanMyReturns is a free online platform of accurate, India-specific financial calculators that help you estimate returns, EMIs, taxes and retirement corpus in seconds. Unlike basic calculators, our tools support real-world features such as step-up SIP, old vs new tax regime comparison, inflation-adjusted results, and full year-by-year breakdowns. All maths runs locally in your browser, so your salary and investment figures are never stored or shared.
- Accurate: Standard SEBI and income-tax formulas, updated after every Union Budget.
- Transparent: See the full year-by-year schedule, not just a final number.
- Private: Zero data collection. Nothing leaves your device unless you export it.
- Shareable: Download PDF or CSV reports and share plans with a single link.
Most Popular Calculators
The three tools Indians use most to plan wealth, loans and taxes.
SIP Calculator
Estimate the future value of your monthly mutual fund SIP, including step-up SIP and inflation-adjusted returns.
Calculate SIP ReturnsHome Loan EMI Calculator
Find your monthly EMI, total interest payable and a full amortization schedule before you borrow.
Calculate EMIIncome Tax Calculator
Compare the old vs new tax regime side by side for FY 2025-26 and find your lowest tax liability.
Estimate TaxAll Financial Calculators
Choose a category to plan investments, loans, taxes and life goals for the Indian market.
SIP Calculator
Project monthly mutual fund SIP growth with step-up and frequency options.
OpenLumpsum Calculator
See how a one-time investment compounds over 10, 15 or 20 years.
OpenPPF Calculator
Calculate tax-free PPF maturity value under Section 80C (EEE).
OpenSSY Calculator
Estimate Sukanya Samriddhi Yojana maturity for your daughter.
OpenEPF Calculator
Project your EPF and VPF retirement balance with salary growth.
OpenNPS Calculator
Estimate your pension corpus, lump sum and monthly annuity.
OpenEMI Calculator
Universal loan EMI with interest vs principal breakup.
OpenHome Loan EMI
Monthly EMI, total interest and amortization schedule.
OpenCar Loan Calculator
Know the true cost of your car loan in interest.
OpenLoan Prepayment
See how much interest you save by prepaying your loan.
OpenEducation Loan
Plan study loan EMIs and moratorium interest.
OpenLoan Eligibility
Check how much loan you qualify for on your income.
OpenIncome Tax Calculator
Old vs new regime comparison for FY 2025-26.
OpenHRA Exemption
Calculate the exact HRA you can claim on rent paid.
OpenGratuity Calculator
Gratuity payable after 5 years of service.
OpenTake Home Salary
In-hand salary after PF, tax and deductions.
OpenCapital Gains
Short and long term capital gains tax with indexation.
OpenTDS Calculator
Estimate tax deducted at source on income and payments.
OpenRetirement Calculator
Find the corpus you need to retire comfortably.
OpenEducation Planning
Estimate future college costs and monthly savings needed.
OpenInflation Calculator
See the future value of money and lost purchasing power.
OpenNet Worth
Track assets minus liabilities to see your true wealth.
OpenEmergency Fund
Work out how much you should keep for emergencies.
OpenMarriage Planning
Plan and save for wedding expenses over time.
OpenNo calculator matches your search.
Browse all 65+ tools instead.
How It Works
Three simple steps to a clear answer.
Pick a Calculator
Choose from investment, loan, tax or goal tools built for Indian rules.
Enter Your Details
Type figures like salary, amount or tenure. Smart defaults help you start fast.
View and Export
Get instant charts and a year-by-year table. Download PDF or CSV, or share a link.
Why Choose PlanMyReturns Over Other Calculators?
Real-World Accuracy
Most calculators use a single simple formula. We factor in Section 80C limits, LTCG indexation, step-up contributions and the latest Budget 2025-26 tax slabs so your numbers match reality.
True Privacy
Every calculation runs locally in your browser. We never store your salary, investments or personal data on any server.
Full Transparency
We show the complete year-by-year breakdown and the exact formula used, not just a final figure, so you understand the how and the why.
Share and Export
Download results as PDF or CSV and share a personalized plan with family or your advisor through a single link.
Fast and Mobile-Friendly
Lightweight tools load instantly and work perfectly on any phone, with no app or sign-up needed.
Made for India
SIP, PPF, EPF, NPS, HRA, gratuity and income tax tools built around Indian regulations and rupee amounts.
Frequently Asked Questions
Is PlanMyReturns free to use?
Yes. Every calculator on PlanMyReturns is completely free and available without registration or login. There are no usage limits.
Are the calculator results accurate?
Yes. We use standard, industry-accepted financial formulas and update our tax slabs and interest rates immediately after each Union Budget and government revision, including Budget 2025-26.
Do you store my financial data?
No. All calculations run locally inside your browser. Your salary, investment and loan figures are never sent to a server or stored, unless you choose to download or share a report yourself.
Which is the best calculator for mutual fund investors?
The SIP Calculator is the most used tool for mutual fund investors. It supports step-up SIP, monthly to yearly frequencies, and inflation-adjusted results to show your real returns.
Can PlanMyReturns compare the old and new tax regimes?
Yes. The Income Tax Calculator compares the old and new tax regimes side by side for FY 2025-26 and shows which one gives you the lower tax liability.
Can I use these calculators on my phone?
Yes. Every tool is mobile-friendly and loads quickly on any device. No app download or sign-up is required.
Latest Financial Insights
Expert guides, tax updates and money tips for Indian investors.
Loading latest articles...