India SIP, EMI, income tax and FD calculators
Plan with your local currency. Check each tool’s supported circumstances before using an estimate.
SIP investment calculator
Explore monthly investing with a modeled return. Returns are illustrative, before taxes and fees.
Open SIP investment calculatorWhat these calculators cover
For resident salary-only individuals below age 60, with annual salary up to INR 50 lakh. Choose new or old regime. Includes salary standard deduction, resident rebate, new-regime marginal relief and 4% cess. Enter eligible old-regime deductions and exempt allowances after verifying eligibility; they are ignored in the new regime. Excludes special-rate income, high-income surcharge, EPF, professional tax and employer CTC components. Enter gross cash salary, not CTC.
Model / rate version: Tax Year 2026–27 · 1 April 2026–31 March 2027. Existing model, not independently reverified in full. See source-check records and calculator exclusions.
Read full methodology and assumptions →Planning in INR: where to start
Compare the supported salary-tax scenarios before using a monthly take-home figure for an EMI budget. This directory also links to SIP and cumulative fixed-deposit illustrations, each with separate assumptions.
Compare the same costs and time period
For SIP, choose beginning or end-of-month contributions and enter your own assumed return. For FD, match the compounding frequency to the deposit terms. Neither projection includes tax/TDS, fees or early withdrawal.
Fixed-rate loan payment in INR
Enter your own amount and nominal annual rate. This general formula assumes equal monthly payments and excludes fees, insurance, taxes, variable rates and product-specific contract rules.
Worked example: ₹5,00,000.00 at an assumed 6% nominal annual rate over 36 months gives ₹15,210.97 per month. This rate is an example, not a India market rate or offer.
Formula: payment = P × r / (1 − (1+r)−n), where r is the annual percentage divided by 1200 and n is months. At zero interest, payment = P/n. Use the full loan calculator.
Available calculators
Recommendations reflect available coverage, not measured popularity.
SIP investment calculator ↗
Illustrative monthly-contribution projection in INR using a user-entered non-negative nominal annual return, compounded monthly. Choose beginning- or end-of-month contributions. Not a return forecast.
Open calculator →Loans & financingLoan repayment ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Salary & income taxIndia salary tax calculator 2026–27 ↗
For resident salary-only individuals below age 60, with annual salary up to INR 50 lakh. Choose new or old regime. Includes salary standard deduction, resident rebate, new-regime marginal relief and 4% cess. Enter eligible old-regime deductions and exempt allowances after verifying eligibility; they are ignored in the new regime. Excludes special-rate income, high-income surcharge, EPF, professional tax and employer CTC components. Enter gross cash salary, not CTC.
Open calculator →Savings & investmentsFixed deposit (FD) calculator ↗
Illustrative cumulative fixed-deposit projection in INR at a constant user-entered nominal annual rate. Choose annual, quarterly or monthly compounding; no interest payouts or withdrawals.
Open calculator →Savings & investmentsCompound interest ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Savings & investmentsSavings goal ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Budgeting & debtMonthly budget ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Guides for India
Practical reading with INR examples and relevant official sources. Financial guide content is in English.
Planned local coverage
These tools are coming soon and are not available as calculations:
- product-specific SIP/FD tax and withdrawal rules
- PPF
- GST classification
Each needs its own official sources, supported circumstances and test cases before publication.
Before you compare results
Keep the currency and time period consistent. A monthly income estimate is an annual average unless the calculator explicitly models individual pay periods. The general loan and savings tools do not apply India tax law, fees, benefit rules or investment guarantees.
Changing the display currency does not convert exchange rates or change the legal jurisdiction of a calculator. Use the dedicated local tool for the scope described above.
General planning reading
These guides explain planning concepts using US examples; they are not India tax guidance.
How compound interest works · Building an emergency fundSources and maintenance
- Income Tax Department: Income-tax Act 2025 amended by Finance Act 2026; sections 19, 156 and 202
- Income Tax Department: rates, rebate and cess
Source links and existing model years are retained from the current calculators. Check official guidance for your circumstances and report issues through our contact page. New local payroll, pension, property and benefit tools require source review and tests before publication.