Plan Every Rupee with 250+ Free Financial Calculators
CalcWise brings together India’s most complete set of free financial calculators, for tax, investments, loans, insurance, government schemes and everyday money. Accurate, current for FY 2025-26, and free forever. No sign-up, works on any device.
Managing money in India means juggling dozens of numbers: which tax regime saves more, how big your SIP needs to be, what your home loan EMI will cost, whether the old ULIP is worth keeping, how much stamp duty you will pay. CalcWise turns each of those questions into a fast, accurate answer. We have built over 250 free calculators covering every part of personal and small-business finance in India, each one using current rates, the latest tax slabs and proper Indian formulas, so the number you get is the number that matters. Everything runs instantly in your browser, works on your phone, and never asks you to sign up or hand over your data.
Explore Calculator Categories
Our tools are organised into eight categories. Pick the area you are working on, or jump straight to the full list of every calculator.
📈 Investment Calculators
SIP, mutual funds, FD, stocks, gold, crypto and retirement.
56 tools →🧾 Tax Calculators
Income tax, new vs old regime, capital gains, GST and TDS.
50 tools →🏦 Loan & EMI Calculators
Home, car, personal loans, EMI, prepayment and debt payoff.
46 tools →🏛 Government Schemes Calculators
PPF, EPF, NPS, Sukanya Samriddhi, Post Office and PLI.
47 tools →🛡 Insurance Calculators
Term, health and motor cover, plus term vs ULIP.
14 tools →💼 Business Calculators
Salary, payroll, ROI, IRR, NPV and break-even.
22 tools →🏠 Real Estate Calculators
Stamp duty, valuation, rental yield and rent vs buy.
9 tools →🧮 Utility Calculators
Bills, age, percentage, fuel cost and everyday tools.
49 tools →What You Can Plan on CalcWise
Investment & wealth
Whether you invest through monthly SIPs, lump sums, fixed deposits or the stock market, our investment calculators show how your money grows before you commit. Project SIP and mutual fund returns, compare SIP against FD and PPF, size the corpus you will need for retirement or FIRE, and value gold and crypto holdings, all on realistic long-term return and inflation assumptions.
Income tax & GST
Work out exactly what you owe and where you can save. Compare the new and old tax regimes for your income, compute capital gains on shares, property, gold and crypto, estimate GST for a business or freelance work, check TDS on salary and rent, and find your HRA exemption, all updated for the FY 2025-26 slabs and the enhanced Section 87A rebate that makes income up to 12 lakh tax-free.
Loans & EMI
See the true cost of borrowing before you sign. Calculate the EMI on a home, car, personal, education or gold loan, check how much you are eligible for, model prepayment and foreclosure savings, compare two loans or a balance transfer, and plan your way out of multiple debts with avalanche and snowball strategies.
Government & small savings
Get the most from India’s safe, tax-advantaged small-savings and welfare schemes. Project maturity for PPF, EPF, NPS and Sukanya Samriddhi, compare Post Office instruments and Postal Life Insurance, and estimate benefits under schemes like PM-KISAN and MGNREGA, each using the current government-notified interest rate.
Insurance & protection
Buy the right cover for the least money. Size your term life cover by Human Life Value, estimate term, health and motor premiums, check how far short your health cover falls, and see the honest term-versus-ULIP maths that shows why pure term plus investing usually beats a bundled plan.
Business & finance
Run the numbers that run your business. Convert CTC to in-hand salary, compute gratuity and leave encashment, evaluate projects with ROI, IRR, NPV and XIRR, find your break-even point, and size your working capital, all with Indian payroll and tax conventions built in.
Property & real estate
Make property decisions with the numbers in front of you. Calculate stamp duty and registration charges for your state, estimate a property’s market value and appreciation, work out rental yield and ROI, and settle the classic rent-versus-buy question for your situation.
Everyday & utility
Quick answers for the numbers you meet every day. Estimate electricity and water bills, calculate your age or the days between dates, work out percentages, discounts and tips, plan fuel and toll costs for a trip, and check your BMI, all in a couple of taps.
Most Popular Calculators
These are the tools Indians reach for most often, covering the everyday decisions around tax, investing and borrowing.
Income Tax Calculator
New vs old regime tax in seconds.
Open tool →SIP Calculator
Project your SIP wealth over time.
Open tool →Home Loan EMI Calculator
Your monthly home loan EMI.
Open tool →Budget 2026 Tax Calculator
Latest Budget 2026 tax rules.
Open tool →PPF Calculator
PPF maturity at 7.1%.
Open tool →EMI Calculator
EMI for any loan amount.
Open tool →GST Calculator
Add or remove GST instantly.
Open tool →NPS Calculator
Your retirement corpus and pension.
Open tool →HRA Calculator
Your exempt HRA amount.
Open tool →FIRE Calculator
The corpus for early retirement.
Open tool →Net Worth Calculator
Assets minus liabilities.
Open tool →Capital Gains Tax Calculator
Tax on shares, property, gold.
Open tool →Road Tax Calculator
State RTO road tax and BH series.
Open tool →Fuel Cost Calculator
Trip fuel cost by distance and mileage.
Open tool →BH Series Calculator
BH road tax, 14-year schedule and state break-even.
Open tool →How CalcWise Works
Getting an answer takes seconds and never requires an account.
1. Pick your calculator
Browse by category above or open the full list, then choose the tool for your question, from income tax to SIP returns to loan EMI.
2. Enter your details
Type in your figures, income, amount, rate, tenure, and adjust the assumptions if you want. Everything is processed in your browser.
3. Get your result instantly
See your answer with a clear breakdown, charts where useful, and plain-language guidance. Download a PDF or share on WhatsApp.
4. Plan and revisit
Use the result to make your decision, then come back and re-run it whenever your income, goals or the rates change.
Why You Can Trust CalcWise
Money decisions deserve tools you can rely on. Here is how we keep CalcWise accurate, private and genuinely useful.
🇮🇳 Built for India
Every tool uses Indian tax slabs, interest rates, exemption limits and rupee formatting, not generic international formulas.
📚 Sourced from official data
Rates and rules come from official sources, the Income Tax Department, RBI, SEBI, EPFO and government scheme notifications, and are updated for FY 2025-26 and Budget 2026.
🔒 Private by design
Your inputs are processed entirely in your browser. Nothing you enter is stored, logged or sent to a server.
⚡ Free, forever, no sign-up
No login, no paywall, no interruptions. Open any of the 250+ tools and get your answer.
📱 Works on any device
Every calculator is responsive and fast on mobile, tablet and desktop, with PDF export and WhatsApp sharing built in.
🧮 Transparent maths
We show the breakdown behind each result, so you can see how the number was reached, not just the final figure.
CalcWise tools are built to be accurate estimates for planning and education. Tax, investment and lending rules change, and your personal situation has nuances a general tool cannot capture, so for major decisions we always recommend verifying the figures and consulting a SEBI-registered financial adviser or a qualified chartered accountant.
Questions People Use CalcWise to Answer
How much SIP do I need to reach 1 crore?
At about 12% returns, roughly 20,000 a month for 15 years or 10,000 a month for 20 years gets you close to 1 crore. Work out your exact figure with the SIP calculator or crorepati calculator.
Should I choose the new or old tax regime?
The new regime wins for most people, especially with income up to 12 lakh, because of its lower rates and the 12 lakh rebate. The old regime only wins with large deductions. Compare both on the income tax calculator.
What will my home loan EMI be?
Your EMI depends on the loan amount, interest rate and tenure, calculated on a reducing balance. For a 50 lakh loan at 9% over 20 years it is about 45,000 a month. Check yours on the home loan EMI calculator.
How much term insurance cover do I need?
A common guide is 10 to 15 times your annual income, but the Human Life Value method is more precise. Most Indian families are underinsured. Size your cover on the Human Life Value calculator.
How much will I have at retirement?
It depends on your monthly investment, years to retirement and returns. Even 15,000 a month for 25 years at 12% can build over 2.8 crore. Plan yours on the retirement planner.