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65+ Free Financial Calculators for India, and When to Use Each
By Himanshu Kumar Gupta · · 8 min read
Finkoin now has more than 65 free calculators, grouped the way a financial planner would think about your money: investing, retirement, loans, tax, protection and life goals. You do not need an account for any of them.
This guide tells you which calculator answers which question.
Investing and saving
| Your question | Calculator |
|---|---|
| How much will my monthly SIP grow to? | SIP calculator |
| What if I raise my SIP every year? | Step-up SIP |
| How much SIP do I need for a goal? | Goal SIP |
| What does waiting a few years cost me? | Cost of delay |
| What is my real return on SIPs? | XIRR |
| How much is my regular plan costing me? | Direct vs regular |
| What will my FD pay after tax? | Fixed deposit |
Read next: Step-up SIP and the cost of delay and XIRR vs CAGR vs absolute return.
Retirement and salary
| Your question | Calculator |
|---|---|
| How much will my PF be at 60? | PF (EPF) |
| How much gratuity will I get? | Gratuity |
| How big a corpus do I need? | Retirement |
| When can I stop working? | FIRE |
| How long will my corpus last? | SWP |
| What does my CTC mean in hand? | Salary |
Read next: EPF explained and Gratuity formula and tax.
Loans and credit
| Your question | Calculator |
|---|---|
| What will my EMI be? | EMI |
| How much home loan can I get? | Loan eligibility |
| Is this "10% flat" loan cheap? | Flat vs reducing |
| Which debt should I clear first? | Debt payoff |
| What does paying only the minimum due cost? | Credit card interest |
| Prepay the loan or invest? | Prepay vs invest |
Read next: Loan eligibility and FOIR and Debt avalanche vs snowball.
Tax
| Your question | Calculator |
|---|---|
| Old or new regime? | Tax regime calculator |
| How much HRA is exempt? | HRA |
| How much tax on my gains? | Capital gains |
| When and how much advance tax? | Advance tax |
Protection and life goals
| Your question | Calculator |
|---|---|
| How much term cover do I need? | Term cover |
| How big should my emergency fund be? | Emergency fund |
| What is my net worth? | Net worth |
| Rent or buy a home? | Rent vs buy |
Calculators answer one question. The health check answers all of them.
Each calculator looks at one decision. The free financial health check puts your income, loans, insurance and investments together and tells you what to fix first.
Frequently asked questions
- Are Finkoin calculators free?
- Yes. All calculators are free and work without signing up.
- Are the results financial advice?
- No. They are estimates based on the numbers and assumptions you enter. Verify rates and rules before acting.
- Do the calculators work on mobile?
- Yes. They work in the browser on any phone, in the installable web app and in the Finkoin app.