Finance & Loan Calculators

EMI, SIP, FD, tax, GST, salary and investment calculators that show every rupee of interest and return.

EMI CalculatorEnter the loan amount, interest rate and tenure to see your monthly EMI, total interest payable and a year-by-year repayment schedule.Home Loan EMI CalculatorHousing loan EMI with prepayment, LTV and tax benefit Car Loan EMI CalculatorCar EMI from on-road price, down payment and tenure Personal Loan EMI CalculatorPersonal loan EMI, processing fee and effective rate Loan CalculatorSolve for EMI, loan amount or tenure, with extra payments Mortgage CalculatorMonthly mortgage payment with tax, insurance and PMI SIP CalculatorEstimate the future value of your monthly mutual fund SIP.Step Up SIP CalculatorSee how a yearly SIP increase grows your mutual fund corpus.Lumpsum CalculatorFind the future value of a one-time mutual fund investment.SWP CalculatorPlan a monthly income from your mutual fund corpus.PPF CalculatorFind your PPF maturity amount and yearly interest.FD CalculatorFind your fixed deposit maturity amount and interest.RD CalculatorFind the maturity value of your monthly recurring deposit.Compound Interest CalculatorGrowth with any compounding and monthly contributions Simple Interest CalculatorSimple interest for years, months, days or date ranges GST CalculatorAdd or remove GST and see the CGST, SGST or IGST split.Income Tax CalculatorCompare old vs new regime tax for FY 2026-27 and see which saves more.Salary CalculatorConvert CTC to monthly in-hand salary after PF and income tax.HRA CalculatorFind your tax-free HRA exemption and taxable HRA.Gratuity CalculatorWork out your gratuity with the 15/26 formula and tax-free limit.EPF CalculatorEstimate your PF corpus at retirement at 8.25% interest.NPS CalculatorEstimate your NPS corpus, lump sum and monthly pension.Sukanya Samriddhi Yojana CalculatorFind the SSY maturity amount for your daughter at 8.2%.CAGR CalculatorFind the compound annual growth rate between two values.ROI CalculatorReturn on investment, annualized ROI and loan ROI from EMI Inflation CalculatorFuture cost, purchasing power and past value of money Retirement CalculatorFind your retirement corpus and the monthly saving needed.Discount CalculatorFind the sale price, savings and discount percentage in seconds.Profit Margin CalculatorGet profit, margin % and markup %, or the price for a target margin.Sales Tax CalculatorAdd sales tax to a price or work it backwards from a total.Tip CalculatorWork out the tip and split the bill between people.

Picking the right finance calculator

Most money questions sound complicated but come down to one of four shapes: what will this loan cost me, what will this saving grow into, how much of my pay do I actually keep, and is this price a good deal. Each shape has its own tool, and using the wrong one is the fastest way to get a number you can't trust.

If you are borrowing

Start with the EMI calculator when you know the amount, the rate and the tenure and just want the monthly figure. If you are comparing offers on a specific purchase, the dedicated home loan EMI calculator and its siblings for car and personal loans ask for the same three inputs but frame the output around that loan's usual tenures, which makes the comparison easier to read. The loan calculator is the general-purpose one, and the mortgage calculator suits property loans quoted with a down payment.

Every one of these assumes a reducing balance loan. That means interest each month is charged only on what you still owe, not on the amount you originally borrowed. Your EMI stays the same, but its split shifts: early EMIs are mostly interest, later ones are mostly principal. This is why paying a lump sum in year two saves far more than the same lump sum in year twelve, and why the total interest figure often shocks people more than the monthly one.

If you are investing or saving

For a monthly mutual fund habit, use the SIP calculator, or the step-up SIP calculator if you plan to raise the instalment each year as your income grows. A one-time investment belongs in the lumpsum calculator, and a regular withdrawal from an existing corpus in the SWP calculator. For fixed-return products the numbers come from the scheme's own rules, so the PPF calculator, FD calculator, RD calculator and the Sukanya Samriddhi tool are separate rather than one generic one.

The compound interest calculator and simple interest calculator are the plain versions behind all of the above. Worth knowing the difference: simple interest is earned only on your original amount, compound interest is earned on interest too. Over a year the gap is small. Over twenty years it is most of your result.

Mistakes that quietly change the answer

Entering an annual rate where a monthly one is expected, or the reverse. A twelve-times error is easy to miss when the output still looks plausible.
Assuming a SIP return is guaranteed. The percentage you type is an assumption about the future, not a promise, and markets do not deliver it evenly year by year.
Forgetting processing fees, insurance bundled into a loan, and prepayment charges. None of them appear in an EMI formula.
Comparing a pre-tax return with a post-tax one. FD interest and debt fund gains are taxed differently from equity.

Pay, tax and deductions

Your offer letter and your bank credit rarely match. The salary calculator breaks CTC into take-home, the income tax calculator estimates the liability, and the HRA calculator and the EPF, NPS and gratuity tools handle the individual components. For business pricing, the GST calculator separates tax from base price and the profit margin calculator checks whether the margin survives it.

Everything here is an estimate

These tools use the standard published formulas and round the way banks usually round, but your lender, employer or tax office works from your actual documents, your exact disbursal date and rules that change. Treat our output as a planning figure to argue with, and the sanction letter or payslip as the final word.

All 31 finance tools on CodingMarble Calculator are free, need no sign-up and work on mobile: EMI Calculator, Home Loan EMI Calculator, Car Loan EMI Calculator, Personal Loan EMI Calculator, Loan Calculator, Mortgage Calculator, SIP Calculator, Step Up SIP Calculator, Lumpsum Calculator, SWP Calculator, PPF Calculator, FD Calculator, RD Calculator, Compound Interest Calculator, Simple Interest Calculator, GST Calculator, Income Tax Calculator, Salary Calculator, HRA Calculator, Gratuity Calculator, EPF Calculator, NPS Calculator, Sukanya Samriddhi Yojana Calculator, CAGR Calculator, ROI Calculator, Inflation Calculator, Retirement Calculator, Discount Calculator, Profit Margin Calculator, Sales Tax Calculator, Tip Calculator.

Last reviewed 2026-10-14 · How we check every calculator