Free Finance Calculators & Tools
Understand your money with simple calculators
Use free calculators, beginner guides, and visual breakdowns to estimate salary, loans, savings, tax, and everyday money decisions.
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Use all our calculators instantly. No email address, accounts, or phone numbers required.
Educational estimates
We focus on teaching the formulas and logic behind the math, helping you understand your choices.
Beginner-friendly tools
Designed with clean inputs, clear explanations, and interactive charts for easy decision-making.
Featured Tax Guide
ITR-2 AY 2026-27: Who Must File, Due Date & Preparation Guide
Understand eligibility, deadlines, documents, and filing checkpoints before you submit.
Popular Money Questions
Jump directly to practical answers from RupeeKit calculators and guides.
Popular Tools
Quickly access our most used interactive financial utilities.
Emergency Fund Calculator India
Estimate your 3, 6, 9 or 12 month safety corpus using expenses, EMIs, current savings and shortfall.
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Personal Loan EMI Calculator India
Compare monthly EMI, total interest, processing fee impact, tenure options and affordability.
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HRA Exemption Calculator India
Compare HRA, rent-minus-10%, and city cap rules to estimate old regime HRA exemption.
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Salary In-Hand Calculator
Estimate monthly take-home salary from annual CTC, PF, and tax deductions.
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Old vs New Tax Regime Calculator
Compare old and new regime tax estimates, deductions, rebate and cess for supported rule years.
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FD / Savings Growth Calculator
Calculate interest earned and maturity amounts for fixed deposits.
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Money Health Check
Take a 60-second quiz to discover your financial wellness score.
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Start with one simple step
Building financial security doesn't happen overnight. Choose an interactive option below to start.
Check Money Health
Take our 60-second self-reflection quiz to discover your Money Health Score and get 3 next steps.
30-Day Challenge
Check off one bite-sized money checklist task daily. Track progress easily in your browser.
Finance Guides
Explore our beginner-friendly guides on budgeting, emergency funds, debt, and spending habits.
Your Personal Finance Roadmap
Six foundational milestones to build lasting financial security. Start with the basics.
Track & Budget
Know your in-hand income and track where every rupee goes each month.
Emergency Fund
Build 3–6 months of expenses in a liquid, accessible account before investing.
Pay Off Debt
Eliminate high-interest debt using Snowball or Avalanche strategy before compounding.
Stages 4–6 cover investing, insurance, and wealth compounding. View the complete roadmap →
All Financial Calculators
Start with any tool below. Accurate estimations for standard financial regimes.
Salary In-Hand Calculator India
Estimate monthly take-home salary from annual CTC, basic salary percentage, PF, tax and other deductions.
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EMI Calculator India
Calculate monthly EMI, total payment and total interest for home, personal or car loans.
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Personal Loan EMI Calculator India
Use this personal loan EMI calculator to estimate monthly EMI, true borrowing cost, total interest, and repayment outcomes before applying.
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Emergency Fund Calculator India
Find out how much emergency fund your household may need in India. Use your essential monthly expenses, EMI burden and income stability to estimate a 3, 6, 9 or 12 month safety corpus and the monthly savings needed to build it.
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SIP Calculator India
Plan SIP goals with regular SIP, step-up SIP, goal SIP, delay cost, milestones and inflation-adjusted estimates.
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GST Calculator India
Calculate GST amount and final invoice value by adding or removing GST from a price.
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FD Calculator India
Estimate fixed deposit maturity amount and interest earned using deposit amount, interest rate and tenure.
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Income Tax Calculator: Old vs New Regime India
Compare old vs new tax regime estimates in India using your income and deduction inputs. RupeeKit currently supports FY 2024-25 and FY 2023-24 rule sets for educational comparison.
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HRA Exemption Calculator India
Calculate your likely HRA exemption under Rule 279 in seconds. Enter your salary, HRA, rent, and city type to compare the three legal limits and estimate how much HRA can stay tax-exempt under the old regime. Includes FY 2026-27 metro-city rules, a worked example, and a document checklist.
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Section 80C Deduction Calculator India
Estimate your potential tax savings under Section 80C with RupeeKit's calculator. Maximize deductions from EPF, PPF, ELSS, home loan principal, and more.
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Gratuity Calculator India
Estimate your gratuity in India with RupeeKit's calculator. Get an accurate estimate based on your last drawn salary and years of service, considering the Gratuity Act, 1972.
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Recurring Deposit (RD) Calculator India
Estimate your RD maturity amount and total interest with RupeeKit's free Recurring Deposit Calculator for India. Plan your savings effectively.
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Home Loan EMI Calculator India
Calculate home loan EMI, total interest and total repayment in India from loan amount, interest rate and tenure in years. Compare 15, 20 and 30 year costs before committing.
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Personal Loan Eligibility Calculator India
Estimate how much personal loan you may be eligible for in India using your monthly income, existing EMIs and a FOIR-based affordable EMI, plus the interest rate and tenure you expect.
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Gold Loan Calculator India
Estimate your gold's value, the loan amount you may get at up to 75% LTV, and the monthly EMI and interest for a gold loan in India based on weight, purity, rate and tenure.
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Capital Gains Tax Calculator India (Equity)
Estimate tax on listed equity and equity mutual fund gains in India: 20% on short-term gains, 12.5% on long-term gains above the Rs 1.25 lakh exemption, plus 4% cess.
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PPF Calculator India
Estimate your Public Provident Fund maturity value, total interest and total investment over 15 or more years using yearly contributions and the current PPF interest rate.
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Lumpsum Calculator India
Project how a one-time investment grows in India using expected annual returns, with total gain and the inflation-adjusted value of the final corpus.
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EPF Corpus Calculator India
Estimate your Employees' Provident Fund corpus at retirement from monthly basic salary, employee and employer EPF contributions and the current EPF interest rate.
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8th Pay Commission Salary Calculator India
Estimate your revised basic pay, DA, HRA and gross salary under the expected 8th Pay Commission fitment factor for central government employees.
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CAGR Calculator India
Calculate the compound annual growth rate (CAGR) of any investment — mutual funds, stocks, FDs or real estate — from start value, end value and number of years.
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NPS Calculator India
Estimate your National Pension System (NPS) corpus at age 60 and the monthly pension from the mandatory annuity purchase, based on your monthly contribution and expected returns.
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Step-Up SIP Calculator India
Calculate your mutual fund corpus when you increase your SIP amount every year. Step-up SIP (also called top-up SIP) significantly boosts wealth compared to a flat SIP.
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Sukanya Samriddhi Yojana Calculator India
Calculate the maturity amount of a Sukanya Samriddhi Yojana (SSY) account based on the girl child's age, annual deposit amount and the current SSY interest rate.
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Net Worth Calculator India
Calculate your personal net worth by adding up all your assets (savings, investments, property, gold) and subtracting your liabilities (loans, credit card debt) to get a clear financial snapshot.
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How to use these tools
Follow three easy steps to plan your taxes, investments, and expenses accurately.
Enter your values
Use values from your offer letter, bank statement, or savings schedule for accurate calculations.
Review the formula
We explain the calculations behind each tool. Learn how your money is calculated, not just the end number.
Verify decisions
Use results as educational guides. Always cross-verify major tax and loan choices with qualified professionals.