Financial Calculators: Free Tools for Investing, Loans & Taxes

Why Use PlanMyReturns Calculators?

Most financial websites offer generic calculators that don’t account for Indian tax laws or banking rules. We built our tools differently. Here is why users trust our platform:

• India-Centric Logic: Our tools are updated with the latest 2025 Budget rules, current Post Office interest rates (like PPF at 7.1%, SSY at 8.2%), and Indian taxation slabs.
• Accurate Projections: Unlike basic tools that assume a flat return, our calculators (like the SIP or SWP tools) allow you to factor in inflation and step-up options.
• Decision-Making, Not Just Math: We don’t just give you a number; we help you decide. Use our “Comparison Tools” to choose between Old vs. New Tax Regime, Rent vs. Buy, or Prepaying Loans vs. Investing.
• Privacy First: All calculations happen in your browser. We do not store your financial data or salary details.

Explore Our Calculator Categories

1. Investment & Wealth Tools

Stop guessing your future wealth. Use these tools to project returns on Mutual Funds, Stocks, and Lumpsum investments.

• Top Tool: SIP Calculator – See how small monthly investments grow into crores over 10, 20, or 30 years.
• For Traders: Use the Stock Average Calculator to plan your entry and exit points during market dips.
• For Retirees: The SWP (Systematic Withdrawal Plan) Calculator helps you plan a steady monthly income from your corpus without depleting it too fast.

2. Government Savings Schemes

Government-backed schemes offer safety and tax benefits, but their calculations can be complex.

• PPF & EPF: Calculate your retirement corpus with the latest government-declared interest rates.
• Sukanya Samriddhi Yojana (SSY): Plan for your daughter’s future education and marriage tax-free.
• Post Office Schemes: Dedicated tools for RD, FD, and Kisan Vikas Patra (KVP) to track guaranteed returns.

3. Loan & EMI Planners

Before you take a loan, know the real cost. Banks often hide the impact of interest compounding.

• EMI Calculators: Check monthly payouts for Home, Car, and Personal loans.
• Prepayment Tool: The Loan Prepayment Calculator is a user favorite—it shows how paying just one extra EMI a year can slash your loan tenure by years.

4. Tax & Salary Optimization

Maximize your “In-Hand” salary and minimize your tax outgo.

• Income Tax Calculator: Updated for FY 2025-26. Compare liabilities under both regimes instantly.
• HRA Exemption: Calculate exactly how much House Rent Allowance you can claim to save tax.
• Gratuity & Leave Encashment: Know exactly what you will get when you switch jobs or retire.

5. Life Goals & Comparisons

Financial planning is about meeting goals, not just hoarding money.

• FIRE Calculator: Determine your “Financial Independence, Retire Early” number.
• Buy vs. Rent: A mathematical answer to the age-old debate of buying a house vs. renting and investing.
• Crorepati Calculator: Find out exactly how much you need to invest monthly to reach the ₹1 Crore milestone.