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Free financial tools

All Financial Tools & Calculators

30 calculators for investing, tax, loans, savings and retirement — each one showing the formula and the working, not just an answer. Everything runs in your browser, so nothing you type is sent to us or stored anywhere.

Start here

The tools readers open most often, covering monthly investing, borrowing and the annual tax decision.

Mutual funds & investing 10

Project what a SIP, a lumpsum or an ELSS investment could grow into, and measure what past investments actually returned.

Savings & deposits 6

Work out guaranteed-return maturity values for fixed deposits, recurring deposits and small-savings schemes such as PPF and Sukanya Samriddhi.

Retirement & long-term 4

Size the corpus you are on track to build through NPS, EPF and gratuity, and find the number that makes work optional.

Income tax & salary 5

Compare the old and new regimes, claim the right HRA exemption, check TDS and turn a CTC offer into a real in-hand figure.

Loans & EMI 4

Calculate the EMI, total interest and full amortisation schedule for a home, car, personal or any other reducing-balance loan.

Insurance & protection 1

Estimate the term cover your dependants would actually need, based on income replacement, liabilities and future goals.

Choosing the right tool

Which calculator do you actually need?

Most people arrive with a question rather than a calculator name. These are the usual starting points.

I want to invest a fixed amount every month

Use the SIP calculator. If you expect to raise the amount as your salary grows, the step-up SIP calculator models that increase and usually produces a much larger corpus.

I have a lumpsum to invest

The lumpsum calculator projects a one-time investment. To measure what an existing investment already returned, use the CAGR calculator instead.

I need to decide between tax regimes

The income tax calculator computes both regimes side by side. Work out your HRA exemption first, since it often decides the outcome.

I want a guaranteed return

Compare the FD, RD and PPF calculators. PPF carries the longest lock-in but the strongest tax treatment.

I am planning for retirement

The NPS and EPF calculators size what you are already building. The FIRE calculator works backwards from the spending you want to sustain.

Questions

Frequently asked questions

Are these financial calculators free to use?

Yes. All 30 calculators are free, need no sign-up and run entirely in your browser. Nothing you enter is transmitted to TVL Money or stored on our servers, so your salary, rent and investment figures never leave your device.

Which calculator should I use to plan a monthly investment?

Use the SIP calculator for a fixed monthly amount, or the step-up SIP calculator if you plan to raise the instalment each year. For a single one-time investment, use the lumpsum calculator instead.

How accurate are the results?

The formulas are the standard ones used across the industry and are shown on each page so you can verify them. Accuracy then depends on your inputs: market-linked projections assume a constant return, which real markets never deliver.

Do the tax calculators use current rates?

Each tax tool displays the financial year it applies to. Slab rates, deduction ceilings and TDS thresholds change with every Finance Act, so confirm figures against the current rules before filing or making a decision.

Can I share or save a calculation?

Yes. Every calculator writes your inputs into the page URL as you change them, so copying the link preserves the exact scenario. Use the share button to copy it, or print the page to keep a copy.

Is this financial advice?

No. These tools provide general information and arithmetic, not personal recommendations. They cannot account for your full circumstances, risk tolerance or tax position. Consult a qualified adviser before acting on any result.

Important: these calculators provide general information and arithmetic only. They are not personal financial, tax or investment advice, and projected returns are illustrations rather than guarantees. Verify current tax rates and scheme terms before acting, and consult a qualified adviser where the decision matters.