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FinanceAdhikar — 50+ Precision Financial Calculators

Empower Your Financial Rights with Smart Calculations

Make informed decisions on Home Loans, SIP, Income Tax, PPF, NPS, and Retirement with our suite of 50+ free, secure, and client-side calculators.

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Complete Financial Suite

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Loans & EMI Calculators

9 Financial Tools

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Home Loan EMI Calculator

Calculate your monthly Home Loan EMI with live interactive Chart.js donut chart, complete year-by-year amortization schedule table, prepayment savings simulator, and Section 80C/24(b) tax relief.

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Car Loan EMI Calculator

Calculate car loan monthly EMI, down payment percentage, total interest payable, prepayment savings simulator, and complete annual amortization schedule table.

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Credit Card Balance Payoff Calculator

Calculate exact months to become debt-free by setting a fixed monthly payment. Compare interest saved vs minimum due with 42% APR and 18% GST.

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Credit Card Minimum Due Interest Trap Calculator

Calculate the shocking number of years and total interest paid when paying only 5% Minimum Amount Due (MAD) on credit card debt with 42% APR and 18% GST.

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Flat vs Reducing Balance Rate Calculator

Convert deceptive flat loan interest rates into actual effective reducing balance rates (APR) for Car Loans, Two-Wheeler Loans, and Personal Loans.

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Loan Against Property (LAP) Calculator

Calculate eligible mortgage loan amount based on property market valuation, 60%-75% LTV limits, monthly EMI, and total interest payable.

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Loan Balance Transfer Savings Calculator

Calculate exact net interest savings, monthly EMI reduction, and processing fee payback period when switching your home loan or personal loan to a lower interest rate.

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Loan Prepayment & Tenure Reducer Calculator

Calculate exact interest saved and tenure reduced with extra monthly EMI prepayments or one-time lumpsum bonus payments on Home Loan, Car Loan, or Personal Loan.

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Personal Loan EMI Calculator

Calculate personal loan monthly EMI, processing fee with 18% GST, net in-hand bank disbursal amount, prepayment savings, and annual amortization schedule table.

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Investments & Mutual Funds

11 Financial Tools

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SIP Calculator

Calculate your mutual fund SIP wealth corpus with live interactive Chart.js donut chart, year-by-year amortization schedule table, annual step-up boost, and inflation adjustments.

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Step-Up SIP Calculator

Calculate Step-Up SIP wealth accumulation with annual percentage or rupee top-up boosters, comparison vs regular SIP, and year-by-year schedule table.

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CAGR Calculator (Compound Annual Growth Rate)

Calculate CAGR, absolute percentage returns, wealth multipliers, Rule of 72 doubling period, and year-by-year compounding growth progression table.

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Fire Number (Financial Independence) Calculator

Calculate your exact FIRE Number, target retirement corpus using the 25x/30x rule, Lean vs Fat FIRE, and exact years left to early financial independence.

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Gold Investment vs SGB Return Calculator

Compare returns of Physical Gold vs RBI Sovereign Gold Bonds (SGB). Calculate 2.5% annual interest, 100% tax-free 8-year maturity, and making charge savings.

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Mutual Fund Expense Ratio Impact Calculator

Calculate the exact lifetime wealth lost to hidden broker commissions in Regular mutual fund plans vs Direct mutual fund plans over 10 to 30 years.

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Mutual Fund Lumpsum Calculator

Calculate one-time mutual fund lumpsum investment returns, CAGR growth, 6% inflation adjustment, 12.5% LTCG tax under Section 112A, and year-by-year compounding schedule table.

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Rule of 72 / 114 / 144 Doubling Time Calculator

Calculate exact years required to double, triple, and quadruple your investments using Rule of 72, 114, and 144 formulas compared with logarithmic precision.

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STP (Systematic Transfer Plan) Calculator

Calculate returns when transferring lumpsum funds from liquid/debt funds to equity mutual funds with dual-growth compounding and rupee-cost averaging.

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SWP (Systematic Withdrawal Plan) Calculator

Calculate monthly SWP pension payouts from mutual funds, remaining capital growth, safe withdrawal rate, and year-by-year drawdown schedule table.

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Silver Investment Return Calculator

Calculate expected returns on Silver Bullion Bars, Coins, and Silver ETFs with compounding CAGR growth, wealth multiplier, and Budget 2024 LTCG tax rules.

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Tax & GST Calculators

10 Financial Tools

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GST Calculator (Exclusive & Inclusive)

Calculate GST exclusive and inclusive amounts with CGST, SGST, and IGST tax splits, live Chart.js donut chart, and itemized invoice breakdown table.

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Income Tax Calculator (Old vs New Regime)

Calculate and compare income tax under Old Tax Regime vs New Tax Regime with latest ₹75,000 standard deduction, Section 87A rebate, Section 80C, 80D, 24(b), and NPS.

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Advance Tax Calculator (FY 2025-26 & 2026-27)

Calculate advance tax installments for FY 2025-26 across June 15, Sept 15, Dec 15, and March 15 deadlines, Old vs New tax regime, and avoid Section 234C interest penalties.

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Capital Gains Tax Calculator (Real Estate Property)

Calculate real estate property capital gains tax with Budget 2024 dual option (12.5% without indexation vs 20% with CII indexation), Section 54/54EC exemptions, and comparison matrix.

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Capital Gains Tax Calculator (Stocks & Equity Mutual Funds)

Calculate stock market and equity mutual fund capital gains tax with Budget 2024 revised rates: 20% STCG, 12.5% LTCG, and ₹1.25 Lakh tax-free exemption limit.

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Cost Inflation Index (CII) Indexed Cost Calculator

Calculate indexed cost of acquisition and improvement for property and capital assets using official CBDT Cost Inflation Index (CII) table up to FY 2024-25 (363).

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Crypto Tax India (30% VDA) Calculator

Calculate India 30% cryptocurrency and NFT tax under Section 115BBH, 1% TDS Section 194S, and understand strict zero loss set-off rules.

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House Rent Allowance (HRA) Exemption Calculator

Calculate House Rent Allowance (HRA) tax exemption under Section 10(13A) Rule 2A (50% Metro vs 40% Non-Metro), taxable HRA, and Landlord PAN requirements.

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Section 80C Tax Deduction Calculator

Calculate your Section 80C tax deductions across EPF, ELSS, PPF, Home Loan Principal, and Tuition fees up to ₹1.5 Lakh ceiling with live tax savings by slab.

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Section 80D Health Insurance Deduction Calculator

Calculate Section 80D health insurance tax deductions for self, family, and senior citizen parents up to ₹1,00,000 maximum ceiling with ₹5k preventive health checkup rules.

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Govt & Post Office Savings

13 Financial Tools

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Fixed Deposit (FD) Calculator

Calculate Fixed Deposit maturity value, quarterly compounding interest, senior citizen +0.50% special rates, TDS limits, and year-by-year compounding schedule table.

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Public Provident Fund (PPF) Calculator

Calculate PPF maturity corpus, yearly compounding interest, 5-year block extensions, loan eligibility, and Section 80C EEE tax savings with interactive Chart.js donut.

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Compound Interest Calculator

Calculate compound interest growth with initial principal, regular monthly additions, custom compounding frequencies (Daily to Annual), and year-by-year compounding schedule table.

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Employee Provident Fund (EPF) Calculator

Calculate your total EPF retirement corpus with 8.25% EPFO interest, 12% employee-employer contribution split, annual salary increments, and career-long growth schedule.

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Kisan Vikas Patra (KVP) Calculator

Calculate Kisan Vikas Patra 7.5% sovereign interest returns, 115 months money doubling maturity value, and annual compounding schedule table.

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Mahila Samman Savings Certificate Calculator

Calculate Mahila Samman Savings Certificate (MSSC) 7.5% quarterly compounded returns, ₹2 Lakhs ceiling maturity value, and 8-quarter progression schedule table.

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National Pension Scheme (NPS) Calculator

Calculate NPS maturity corpus, 60% tax-free lumpsum withdrawal, lifelong monthly pension annuity, and Section 80CCD(1B) ₹50k tax savings schedule.

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Post Office Monthly Income Scheme (MIS) Calculator

Calculate Post Office MIS 7.4% monthly guaranteed income payouts, single vs joint account limits (₹9L / ₹15L), and 5-year payout schedule table.

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Recurring Deposit (RD) Calculator

Calculate Recurring Deposit maturity value, quarterly compounding interest, senior citizen +0.50% rates, TDS status, and year-by-year RD growth schedule table.

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Retirement Planning & Corpus Calculator

Calculate your exact retirement corpus required, monthly SIP to invest today, inflation-adjusted post-retirement expenses, and complete life-cycle drawdown schedule table.

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Senior Citizen Savings Scheme (SCSS) Calculator

Calculate Senior Citizen Savings Scheme (SCSS) guaranteed 8.2% quarterly income payouts, Section 80TTB TDS limits, 5 vs 8-year tenure, and annual payout schedule table.

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Simple Interest Calculator

Calculate simple interest and total maturity amount on principal across days, months, and years with live interactive Chart.js donut chart and lending presets.

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Sukanya Samriddhi Yojana (SSY) Calculator

Calculate Sukanya Samriddhi Yojana maturity value, 8.2% sovereign tax-free interest, 15-year deposit schedule, and 21-year complete compounding progression table.

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Banking & Career Utilities

9 Financial Tools

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Salary In-Hand Calculator (CTC to Take-Home Pay)

Calculate your monthly take-home salary from annual CTC with live Chart.js breakdown, New vs Old Tax Regime TDS, EPF, HRA, and itemized salary slip table.

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Bank IFSC / MICR Code Finder

Find and verify 11-character Bank IFSC codes and 9-digit MICR codes for all Indian banks (SBI, HDFC, ICICI, PNB) with branch location and NEFT/RTGS support.

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Bill Discounting & Factoring Calculator

Calculate upfront cash in hand, discounting charges, reserve amount, and effective APR for MSME trade receivables and TReDS invoice discounting.

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Car Lease vs Buy Financing Calculator

Compare Corporate Car Leasing with direct Car Loan purchases. Calculate exact income tax saved on pre-tax lease EMIs in 20% and 30% tax brackets.

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Gratuity Calculator

Calculate gratuity payout as per Payment of Gratuity Act 1972 (15/26 formula), Section 10(10) ₹20 Lakhs tax exemption limit, and tenure progression schedule table.

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IBAN Validator & Structure Generator

Validate International Bank Account Numbers (IBAN) using the ISO 13616 Mod-97 checksum algorithm for SEPA, European, and Middle East international wire transfers.

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Inflation Calculator

Calculate future cost of expenses, purchasing power erosion of money, Rule of 70 price doubling milestones, and year-by-year inflation progression schedule table.

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Real Estate ROI & Rental Yield Calculator

Calculate Gross Rental Yield, Net Rental Yield, 10-year property appreciation, and total return on investment (ROI) for residential flats and commercial properties.

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SWIFT / BIC Code Finder & Validator

Search and validate 8 to 11-character SWIFT/BIC codes for international wire transfers, overseas remittances, and global bank routing under ISO 9362.

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