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🔥 India's #1 Free Finance Calculator

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Free EMI, SIP, FD, Income Tax, GST, PPF calculators — instant results, no signup, built for India.

🏠 EMI Calculator 📈 SIP Calculator 📋 Tax Calculator
🔥 Trending: Home Loan EMI SIP Calculator Income Tax 2025 FD Returns GST Calculator PPF Maturity
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🔥 Most Popular Comparison Tool
Home Loan EMI vs Fixed Deposit
You have ₹20 lakhs. Take a home loan or invest in FD and stay rented?
Get the exact answer with your real numbers — live side-by-side comparison.
Option A
🏠 Buy
VS
Option B
🏦 FD+Rent
Compare Now →
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Indian tax slabs, Indian banks, Indian regulations.

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Everything You Need to Know

From stocks to mutual funds — understand every financial instrument before you invest. Click any topic to learn more.

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Stock Market

HIGH RETURN
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Equity / Stocks
Buy ownership in companies like TCS, Infosys, Reliance. Earn through price appreciation and dividends.
Returns: 12-18% p.a. historically
Learn More →
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Intraday Trading
Buy and sell stocks within the same trading day. High risk, high reward. Best for experienced traders.
Market Hours: 9:15 AM – 3:30 PM
Learn More →
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F&O (Futures & Options)
Derivative contracts to buy/sell assets at a future date. Used for hedging and speculation.
Lot Size: 75 units (Nifty)
Learn More →
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MTF (Margin Trading)
Buy more stocks than your balance allows using broker margin. Amplifies both gains and losses.
Interest: ~0.04% per day
Learn More →
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IPO (Initial Public Offer)
When a company lists on stock exchange for the first time. Apply through your demat account.
Allotment: Lucky draw basis
Learn More →
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ETF (Exchange Traded Fund)
Basket of stocks that tracks an index like Nifty 50. Lower cost than mutual funds, traded like stocks.
Expense: 0.05% - 0.20%
Learn More →
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Mutual Funds

BEGINNER FRIENDLY
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SIP (Systematic Investment Plan)
Invest a fixed amount every month automatically. Best way to build long-term wealth through compounding.
Min: ₹100/month
SIP Calculator →
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Lumpsum Investment
Invest a large amount at once. Better during market corrections when valuations are low.
Best during: Market dips
Lumpsum Calculator →
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ELSS (Tax Saving Funds)
Equity mutual funds that save up to ₹46,800 in tax under Section 80C. 3-year lock-in period.
Tax Saved: Up to ₹46,800
Tax Calculator →
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Debt Funds
Invest in bonds and government securities. Lower risk than equity, higher returns than FD.
Returns: 6-8% p.a.
Compare with FD →
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Hybrid Funds
Mix of equity and debt. Balanced risk and returns. Good for moderate risk investors.
Returns: 8-12% p.a.
Learn More →
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Step-Up SIP
Increase your SIP by 10% every year. ₹10K/month with 10% annual step-up = ₹1.78 Cr in 15 years.
vs Regular SIP: +₹78 Lakh more
Step-Up Calculator →
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Fixed Income & Savings

LOW RISK
🏦
Fixed Deposit (FD)
Deposit money for a fixed period at guaranteed interest. Safest investment option for Indians.
Rate: 6.5% - 9% p.a.
FD Calculator →
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PPF (Public Provident Fund)
Government-backed 15-year savings scheme. Tax-free returns at 7.1% p.a. EEE tax status.
Rate: 7.1% p.a. (Tax Free)
PPF Calculator →
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NPS (National Pension)
Retirement savings scheme. Extra ₹50K tax deduction under 80CCD(1B) beyond 80C limit.
Extra Tax Save: ₹15,000+
NPS Calculator →
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Recurring Deposit (RD)
Deposit fixed amount monthly like SIP but in bank. Guaranteed returns, no market risk.
Rate: 6.5% - 7.5% p.a.
RD Calculator →
Compare Tools
Which Investment is Better for You?

Indians often ask — SIP or FD? EMI or rent? New or old tax regime? Get clear answers with real numbers.

🏠 Home Loan EMI
VS
🏦 Fixed Deposit
On ₹30L: Pay ₹26K EMI/month or invest in FD and stay rented? Calculate your break-even.
EMI Calculator FD Calculator
📈 SIP Returns
VS
🏦 FD Returns
₹10,000/month for 15 years: SIP @ 12% = ₹99.9L vs FD @ 7% = ₹31.7L. Clear winner?
SIP Calculator FD Calculator
📋 New Tax Regime
VS
📋 Old Tax Regime
At ₹12L salary: New regime saves ₹31K in tax. Old regime saves more with 80C + HRA deductions.
Tax Calculator Read Comparison
💰 SIP
VS
💰 Lumpsum
₹12L invested: SIP over 1 year @ 12% = ₹12.8L. Lumpsum upfront @ 12% = ₹13.4L. Market timing matters.
SIP Calculator Read Analysis
📊 PPF
VS
🛡️ ELSS
PPF: 7.1% guaranteed, tax-free, 15yr lock-in. ELSS: 12-18% returns, 3yr lock-in, market risk.
PPF Calculator Tax Calculator
🚗 Car Loan
VS
💳 Personal Loan
Car loan @ 9.5% secured vs personal loan @ 14% unsecured. Car loan is always cheaper for vehicle purchase.
Car Loan EMI Personal Loan
Finance Knowledge
Top Finance Questions — Answered
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SIP Guide

SIP vs Lumpsum: Which is Better in 2025?

Real numbers for Indian investors. Which strategy builds more wealth?

📅 May 2025 · 7 min read
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Home Loan

How to Reduce Your Home Loan EMI by 30%

5 proven strategies that actually work for Indian home loan borrowers.

📅 May 2025 · 5 min read
📋
Tax Saving

New vs Old Tax Regime 2025: Full Comparison

Exact slab comparison — which regime saves you more money?

📅 Apr 2025 · 6 min read
View All Articles →
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