Finance Calculators

Investing, tax, salary, budgeting and business pricing calculations.

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The Finance calculators cover saving and investing, retirement planning, salary and tax, GST, and everyday business arithmetic such as margin and break-even. Each one states its formula and assumptions, so you can see how a projection was built and which inputs drive it.

Investment and retirement results are projections at the return you enter, not predictions. Tax and salary results follow the rules each calculator names for a specific financial year; check that year matches the one you are planning for.

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Investments

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Taxes

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Salary & Payroll

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Retirement & Pension

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Everyday Money

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All Finance Calculators

50/30/20 Budget CalculatorSplit your monthly income into needs (50%), wants (30%), and savings (20%) using the popular 50/30/20 budgeting rule.Absolute Return CalculatorCalculate the absolute return percentage on an investment, without annualizing for time held.Advance Tax CalculatorCalculate your advance tax installment schedule — the amounts due by June 15, September 15, December 15, and March 15.Annuity CalculatorCalculate the future value of a series of regular monthly investments made at the start of each month (an annuity due) at a given rate of return.Annuity Payout CalculatorCalculate the fixed monthly payout you can draw from a lump sum corpus over a chosen number of years.Average Return CalculatorCalculate the average (arithmetic mean) return across a series of periodic investment returns.Bonus CalculatorCalculate your statutory bonus under the Payment of Bonus Act, based on your basic salary and the applicable bonus percentage.Break-Even CalculatorCalculate the number of units and revenue needed to break even, given your fixed costs, price per unit, and variable cost per unit.Budget CalculatorCalculate your monthly surplus and savings rate from your income and expenses.CAGR CalculatorCalculate the Compound Annual Growth Rate (CAGR) of an investment given its initial value, final value, and the number of years held.Capital Gains Tax CalculatorCalculate capital gains tax on the sale of equity or other assets, based on holding period and current tax rules.Commission CalculatorCalculate the commission amount and net amount for a sale, given the sale amount and commission percentage.CTC to In-Hand Salary CalculatorEstimate your monthly and annual in-hand salary from your CTC (Cost to Company), after typical PF, professional tax, and income tax deductions.Discount CalculatorCalculate the discount amount and final price after applying a percentage discount to an original price.Dividend Tax CalculatorCalculate the tax payable on dividend income, taxed at your marginal income tax slab rate.Emergency Fund CalculatorCalculate how much you should keep in an emergency fund, based on your monthly expenses and how many months of coverage you want.EPF CalculatorProject your EPF (Employees' Provident Fund) corpus at retirement based on your current basic salary, expected annual increments, and the current EPFO interest rate.Future Value CalculatorCalculate the future value of a lumpsum investment given its present value, expected annual growth rate, and the number of years it will grow.Gratuity CalculatorCalculate your gratuity amount under the Payment of Gratuity Act, based on your last drawn salary and years of service.GST CalculatorCalculate GST (Goods and Services Tax) amount and total price — either by adding GST to a base price or extracting the base price from a GST-inclusive amount.GST Interest CalculatorCalculate the interest payable for delayed GST payment, per Section 50 of the CGST Act.GST Late Fee CalculatorCalculate the late fee for filing a GST return (GSTR-3B) after the due date.GST Reverse Charge CalculatorCalculate the GST liability payable directly by the recipient under the reverse charge mechanism (RCM).HRA CalculatorCalculate your tax-exempt House Rent Allowance (HRA) under Section 10(13A), based on your basic salary, HRA received, and rent paid.Income Tax CalculatorCalculate your income tax liability for FY 2026-27 under either the new or old tax regime, including standard deduction, Section 87A rebate, and health & education cess.Income Tax Old vs New Regime CalculatorCompare your income tax liability under the old and new tax regimes side by side for FY 2026-27, and see which regime saves you more.Inflation-Adjusted Value CalculatorCalculate what a future amount is worth in today's purchasing power, after accounting for a given rate of inflation.Inflation CalculatorCalculate what today's cost will be in the future after a given rate of inflation, so you can plan for rising prices over time.Investment CalculatorCalculate how a lumpsum investment grows over time at a given annual return rate.Invoice GST CalculatorCalculate GST for an invoice, including the CGST and SGST split for an intra-state supply.IRR CalculatorCalculate the internal rate of return (IRR) for an investment with a regular series of future cash flows.Leave Encashment CalculatorCalculate the amount payable for encashing your unused leave days.Long-Term Capital Gains CalculatorCalculate long-term capital gains (LTCG) tax on equity, property, or other assets held beyond the long-term threshold.Margin CalculatorCalculate the selling price and profit for a product given its cost price and desired profit margin (margin on selling price).Markup CalculatorCalculate the selling price and markup amount for a product given its cost price and desired markup percentage (markup on cost).Mutual Fund Returns CalculatorCalculate the annualized (CAGR) and total returns from a mutual fund investment, given its initial and current value.Mutual Fund SIP vs Lumpsum CalculatorCompare investing a total amount as a mutual fund lumpsum versus spreading it as a monthly SIP over the same period.Net Present Value CalculatorCalculate the net present value (NPV) of an investment given its upfront cost, expected future cash flows, and a discount rate.NPS CalculatorEstimate your National Pension System (NPS) corpus at retirement, along with the annuity and lump sum split and an estimated monthly pension.Overtime Pay CalculatorCalculate your overtime pay based on your monthly salary, standard working hours, and overtime hours worked.Payback Period CalculatorCalculate how many periods it takes to recover your initial investment from a series of future cash flows.Pension CalculatorEstimate your monthly pension income from a retirement corpus, drawn down over your expected years in retirement.PPF CalculatorCalculate the maturity amount of your PPF (Public Provident Fund) investment based on your annual contribution, tenure, and the current PPF interest rate.Present Value CalculatorCalculate the present value of a future lumpsum amount given a discount rate and the number of years until you receive it.Professional Tax CalculatorEstimate your monthly and annual professional tax based on your salary and state.Profit CalculatorCalculate the profit amount and profit percentage for a sale, given the cost price and selling price.Rent Escalation CalculatorCalculate what your rent will be after a fixed annual escalation rate over a number of years.Rent vs Buy CalculatorCompare the total cost of renting versus buying a home over a chosen time horizon.Retirement CalculatorProject your retirement corpus by combining the growth of your current savings with your ongoing monthly contributions.Retirement Corpus CalculatorFind the retirement corpus you'll need to sustain your desired monthly expenses, adjusted for inflation, throughout retirement.Retirement SIP CalculatorFind the monthly SIP you need to invest to reach your target retirement corpus.ROI CalculatorCalculate the return on investment (ROI) percentage from an initial cost and final value.Salary CalculatorConvert your annual salary to a monthly figure, with a simple basic pay and allowances split.Salary Increment CalculatorCalculate your new salary after a percentage increment.Savings Goal CalculatorCalculate the monthly deposit needed to reach a savings goal, given the target amount, expected annual return, and number of years.Savings CalculatorCalculate how much your regular monthly savings will grow to, given the monthly amount, expected interest rate, and number of years.Short-Term Capital Gains CalculatorCalculate short-term capital gains (STCG) tax on equity or other assets sold within the short-term holding threshold.SIP CalculatorCalculate the future value of your monthly SIP (Systematic Investment Plan) in mutual funds, along with total amount invested and total returns earned.SIP Goal CalculatorFind the monthly SIP amount you need to invest to reach a specific target corpus.SIP Step-Up CalculatorCalculate the future value of a SIP where your monthly investment increases by a fixed percentage every year.Take-Home Salary CalculatorEstimate your monthly and annual take-home (in-hand) salary from your CTC (Cost to Company), after typical PF, professional tax, and income tax deductions.Tax-Saving Investment CalculatorCalculate the tax you can save by investing in Section 80C tax-saving instruments, up to the ₹1.5 lakh annual limit.Taxable Income CalculatorCalculate your taxable income after the standard deduction and (under the old regime) other eligible deductions.TDS CalculatorEstimate the monthly TDS (Tax Deducted at Source) your employer is likely to deduct from your salary.Tip CalculatorCalculate the tip amount, total bill, and amount owed per person by entering your bill amount, tip percentage, and number of people splitting the bill.XIRR CalculatorCalculate the annualized return (XIRR) on a series of investments and withdrawals made on different, irregularly-spaced dates.

Projections depend on the return you assume

SIP, lump-sum and retirement calculators apply one constant rate of return to every year. Market-linked investments do not grow at a constant rate, so treat the result as "what this rate would produce" and compare a cautious and an optimistic rate rather than relying on a single figure.

CAGR and XIRR measure returns differently

CAGR suits a single investment with one start and one end value. When money goes in or out at different times — a SIP, or a portfolio with top-ups and withdrawals — XIRR gives the more meaningful annual return because it accounts for when each amount was invested.

How these calculators work

Growth calculators use standard compound-interest and annuity formulas; return calculators solve for the rate numerically where no closed-form formula exists (XIRR, IRR). Tax calculators apply the slab and rebate rules stated on each page for the financial year shown there.

Limitations

  • Investment returns are not guaranteed; past or assumed returns do not predict future returns.
  • Tax results are estimates for the stated financial year and do not replace a tax professional or the official utility for filing.
  • Inflation, fees and taxes on returns are included only where a calculator says so.

Frequently asked questions

Are the investment results guaranteed?

No. They show what your money would grow to at the constant rate you enter. Market-linked returns vary from year to year, so the actual outcome can be higher or lower.

Which financial year do the tax calculators use?

Each tax calculator states the financial year and rules it applies. Use the one that matches the year you are planning for, since slabs and rebates can change in each Budget.

Guide last updated 24-09-2026.

Finance Calculator Guides

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Finance2 min read

How SIP Returns Are Calculated (With a Worked Example)

A SIP's future value is calculated with the annuity-due formula FV = P × (((1+i)ⁿ − 1) / i) × (1+i), where P is your monthly investment, i is the monthly expected return, and n is the number of months — it is a projection based on an assumed return, not a guarantee.

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How CAGR Is Calculated

CAGR (Compound Annual Growth Rate) is the constant annual rate that would take an investment from its initial value to its final value over the holding period — found by taking the ratio of final to initial value to the power of 1 divided by the number of years.

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How Much Retirement Corpus You Actually Need

The corpus you need for retirement is sized backward from your desired monthly expense — inflated forward to your retirement date, then converted into a lump sum using the real (inflation-adjusted) rate of return over your expected retirement years.

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Finance1 min read

Closing the Gap Between Your Projected and Required Retirement Corpus

Comparing what you're on track to save against what you'll actually need reveals a real shortfall — and a goal-based SIP calculation, using that exact gap as its target, shows the additional monthly investment needed to close it.

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Finance2 min read

GST Inclusive vs Exclusive: How to Calculate Either Way

Adding GST to a base price (exclusive) and extracting GST from a final price (inclusive) use different arithmetic — exclusive multiplies the base price by the rate, while inclusive divides the final price by (1 + rate) first — mixing up the two directions is the most common GST calculation mistake.

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Finance2 min read

GST Late Filing: Interest and Late Fee Explained

Filing GST late triggers two separate charges — 18% per annum interest on the unpaid tax amount (Section 50), and a flat per-day late fee on the return itself (Section 47, ₹50/day for a normal return or ₹20/day for a nil return, each capped) — and they're calculated completely independently, so both apply together, not just the larger of the two.

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