Financial Calculators Online: Free SIP, EMI, PPF, NPS and Tax Tools for India
Welcome to the complete collection of PlanMyReturns financial calculators, a free toolkit built for India. Plan your SIP and mutual fund investments, work out loan EMIs, estimate income tax, project your PPF, EPF and NPS corpus, and map out goals like retirement, a home or your child’s education. Every tool is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
Investment and Wealth Calculators
Grow long-term wealth with tools for mutual funds, equities and market-linked investments. Estimate returns, plan withdrawals and see how compounding builds your corpus over time.
SIP Calculator
Estimate the future value of monthly mutual fund investments.
Open tool ›Lumpsum Calculator
See how a one-time investment grows over the years.
Open tool ›SWP Calculator
Plan regular withdrawals from your investments.
Open tool ›ELSS Calculator
Project returns on tax-saving equity funds under Section 80C.
Open tool ›Asset Allocation
Balance equity and debt to match your risk profile.
Open tool ›Inflation Calculator
Understand how inflation erodes purchasing power.
Open tool ›Net Worth Calculator
Track your assets minus liabilities in one place.
Open tool ›FIRE Calculator
Plan for financial independence and early retirement.
Open tool ›Crorepati Calculator
Find the SIP needed to reach one crore.
Open tool ›Stock Average
Calculate the average buy price of a stock.
Open tool ›Savings and Government Scheme Calculators
Plan safe, fixed-return savings and popular government-backed schemes. Project maturity values for deposits, provident funds and small savings instruments.
FD Calculator
Calculate fixed deposit maturity and interest.
Open tool ›RD Calculator
Plan recurring deposit savings and returns.
Open tool ›PPF Calculator
Project tax-free Public Provident Fund maturity.
Open tool ›NPS Calculator
Estimate pension corpus and monthly pension.
Open tool ›SSY Calculator
Plan Sukanya Samriddhi savings for a girl child.
Open tool ›EPF Calculator
Project your Employees’ Provident Fund balance.
Open tool ›Post Office RD
Calculate Post Office recurring deposit returns.
Open tool ›Kisan Vikas Patra
Estimate KVP maturity and doubling period.
Open tool ›Loan and EMI Calculators
Work out monthly EMIs, total interest and repayment schedules for every loan type, and check your borrowing eligibility before you apply.
EMI Calculator
Universal EMI, interest and principal breakup.
Open tool ›Home Loan EMI
Housing loan EMI and amortization schedule.
Open tool ›Car Loan
Vehicle loan EMI and interest cost.
Open tool ›Personal Loan
Personal loan EMI and total repayment.
Open tool ›Business Loan
Plan business loan EMIs and cash flow.
Open tool ›Education Loan
Student loan EMI with moratorium options.
Open tool ›Gold Loan
Estimate a loan against gold value.
Open tool ›Agricultural Loan
Farm loan EMI and repayment.
Open tool ›Loan Eligibility
Check how much loan you can qualify for.
Open tool ›Loan Prepayment
See interest saved by prepaying your loan.
Open tool ›KCC Limit
Estimate a farmer’s Kisan Credit Card limit.
Open tool ›Tax and Salary Calculators
Estimate your income tax, compare tax regimes and understand your salary structure, deductions and take-home pay with tools updated for current rules.
Income Tax
Estimate tax under the old and new regimes.
Open tool ›HRA Exemption
Calculate your house rent allowance benefit.
Open tool ›Capital Gains
Estimate tax on the sale of assets.
Open tool ›Gratuity
Calculate gratuity payable on exit.
Open tool ›TDS Calculator
Work out tax deducted at source.
Open tool ›Advance Tax
Plan advance tax instalments.
Open tool ›Standard Deduction
Apply the salaried standard deduction.
Open tool ›Take Home Salary
Estimate net in-hand salary after deductions.
Open tool ›Leave Salary Payout
Calculate leave encashment amount.
Open tool ›Goal Planning Calculators
Turn life goals into a clear savings plan. Estimate how much to invest today for retirement, education, a home, a wedding, travel or an emergency fund.
Retirement
Estimate the corpus you need to retire comfortably.
Open tool ›Education Planning
Plan and fund future education costs.
Open tool ›Marriage Planning
Save steadily for wedding expenses.
Open tool ›Dream Home
Plan the savings for your home purchase.
Open tool ›Vacation Planning
Budget and save for your next trip.
Open tool ›Emergency Fund
Size the safety net you should keep aside.
Open tool ›Buy vs Rent
Compare buying a home against renting.
Open tool ›Comparison Calculators
Make confident money decisions by comparing two options side by side, from investment styles to tax regimes.
SIP vs Lump Sum
Compare staggered and one-time investing.
Open tool ›FD vs RD
Compare fixed and recurring deposits.
Open tool ›PPF vs NPS
Compare two retirement savings options.
Open tool ›Old vs New Tax
Find your lower tax regime instantly.
Open tool ›Prepay vs Invest
Decide whether to prepay a loan or invest.
Open tool ›Other Financial Tools
Specialised calculators for insurance premiums, subsidies and market-linked insurance plans.
How to Use the PlanMyReturns Calculators
Every tool works the same simple way, so you can move from question to answer in under a minute.
Pick a calculator
Choose a tool from the categories above or search by name. Each one is built for Indian rules and rupees.
Enter your details
Fill in figures such as amount, tenure and interest rate. Smart defaults help you start quickly.
Review and plan
See instant results, charts and a year by year breakdown, then download or share your plan.
Why Use PlanMyReturns Calculators
Made for India
Tools reflect Indian tax slabs, Section 80C limits, provident fund rules and rupee formatting, so results feel relevant.
Private by design
Calculations run in your browser. We do not ask you to sign up and we do not store your income or investment figures.
Fast and clear
Instant results, clean charts and a year by year schedule make it easy to understand and act on the numbers.
Educational
Each tool includes a short guide so you learn the concept, not just the output.
Frequently Asked Questions
Are the PlanMyReturns calculators free to use?
Yes. Every calculator on PlanMyReturns is completely free and available without any registration or login.
Do you store the numbers I enter?
No. All calculations run locally in your browser. Your salary, income and investment inputs are not sent to a server or saved unless you choose to download or share a result.
How accurate are the results?
The tools use standard financial formulas and current rules such as tax slabs and scheme interest rates. Results are estimates for planning and educational purposes and may differ from a bank or advisor’s figures, which can include charges and policies specific to your case.
Which calculators are most popular?
The SIP calculator, home loan EMI calculator, income tax calculator, PPF calculator and NPS calculator are among the most used tools for everyday money planning in India.
Can I use these tools on mobile?
Yes. Every calculator is responsive and works on phones, tablets and desktops, with a layout that adapts to your screen.
Do these calculators give financial advice?
No. PlanMyReturns provides informational tools only. They do not constitute financial, tax or investment advice. Please consult a qualified professional before making decisions.
PlanMyReturns calculators are provided for informational and educational purposes only and do not constitute financial, investment or tax advice. Interest rates, tax rules and scheme limits change over time, and actual outcomes depend on your individual circumstances and provider policies. Please verify figures and consult a qualified advisor before making financial decisions.
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 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.