Free money calculators for India
A ₹25 lakh home loan at 8.5% costs ₹27.1 lakh in interest.
Pay ₹2,000 more each month and the loan ends 3 years 9 months early. You save ₹5.9 lakh in interest.
New · Expense Tracker
Good salary, but nothing left at month end?
Add 6 months of your SBI and PhonePe statements and see where the money went: daily spends, EMIs, card bills and what was left. Your files never leave your phone or computer.
Open the Expense TrackerWhat do you want to do?
Borrow
Know the real cost of a loan
Protect
Keep your family safe
What are you working out?
- Salary gone before month end
- Buying a home
Step-by-step guide: Bank limit, EMI, regret test, rent vs buy, prepaying
EMI CalculatorHome Loan Prepayment CalculatorPrepay or Invest Calculator
- EMI feels too heavy
Step-by-step guide: Lower rate, longer tenure, prepay, idle gold
EMI CalculatorLoan Rate Change CalculatorHome Loan Prepayment Calculator
- Need money fast
Step-by-step guide: Real cost of each, gold needed, minimum due
- Taking a personal or car loan
Personal Loan CalculatorFlat vs Reducing Rate CalculatorEMI Calculator
- Saving for a goal
Goal PlannerSIP CalculatorPPF CalculatorSukanya Samriddhi Calculator
- Tax time
Step-by-step guide: In-hand salary, old vs new regime, NPS
- Planning to retire
Step-by-step guide: Money needed, how long it lasts, SCSS
Retirement PlannerEPF CalculatorNPS CalculatorSCSS Calculator
- Growing your investments
Step-by-step guide: Start now vs later, catch-up SIP, PPF vs SIP
SIP CalculatorStep-up SIP CalculatorLumpsum CalculatorInvestment Mix – Past Returns
This quarter’s rates
Oct–Dec 2026 · Ministry of Finance, India Post · checked 7 Oct 2026
All calculators
Loan calculators
- EMI CalculatorMonthly loan instalment and repayment schedule
- Compare LoansTwo loans side by side: EMI, fees and real cost
- Home Loan Prepayment CalculatorInterest saved by paying extra on your loan
- Prepay or Invest CalculatorPrepay the loan or invest? Buy now or save first?
- Personal Loan CalculatorEMI, true cost with fees, compare offers, close early
- Flat vs Reducing Rate CalculatorThe real rate behind a “flat” loan offer
- Home Loan Eligibility CalculatorHow much loan you get and what house you can buy
- Rent vs Buy CalculatorBuy a house or rent and invest: which leaves you richer
- Loan Rate Change CalculatorBank raised your rate? Higher EMI or longer tenure
- No-Cost EMI CalculatorWhat a “no-cost” EMI really costs you
- Close Multiple Loans CalculatorWhich loan to close first, and when all are closed
- Car Loan EMI CalculatorCar EMI from the on-road price and down payment
- Gold Loan CalculatorHow much you can borrow on gold, EMI or pay at the end
Investment calculators
- SIP CalculatorValue of a monthly investment
- Step-up SIP CalculatorSIP that rises every year
- SWP CalculatorMonthly withdrawals and how long your money lasts
- Lumpsum CalculatorGrowth of a one-time investment
- Interest CalculatorSimple and compound interest, any compounding
- FD CalculatorFixed deposit maturity value
- RD CalculatorRecurring deposit maturity — bank or post office
- XIRR CalculatorReal yearly return when you invest at different times
- CAGR CalculatorYearly growth rate of an investment
- Gold CalculatorJewellery price with making charges and 3% GST
Government savings scheme calculators
- PPF CalculatorPublic Provident Fund maturity
- Sukanya Samriddhi CalculatorSSY maturity for your daughter
- SCSS CalculatorSenior Citizens Savings Scheme quarterly interest
- NSC CalculatorNational Savings Certificate maturity
- KVP CalculatorKisan Vikas Patra doubling
- Post Office MIS CalculatorMonthly income from Post Office MIS
Tax calculators
Planning tools
- Goal PlannerSIP, lump sum, RD, PPF or Sukanya needed for a goal
- Inflation CalculatorFuture cost and the value of old rupees
- Investment Mix – Past ReturnsHow a mix of shares, gold and PPF really did
- Retirement PlannerHow much you need, and whether it lasts
- Emergency Fund CalculatorHow much to keep aside for bad times
- Insurance Plan vs Term + InvestEndowment or money-back plan, or term plan and invest the rest
- FIRE CalculatorHow much money you need to stop working early
- Gratuity CalculatorGratuity on leaving a job, as per the new labour code
- EPF CalculatorPF balance at retirement and EPS pension (2026 rules)
- NPS CalculatorSavings at 60, lump sum, pension and tax saving
Expense tools
What changed
- 20 Oct 2026The site is now called CalcTortoise.
- 20 Oct 2026New pages: Editorial policy and How we use AI.
- 20 Oct 2026Every result now has a short note that it is an illustration.
- 20 Oct 2026Each calculator now shows a worked example and a default result in the page itself.