Indian personal finance runs on its own rulebook: EEE tax treatment on PPF and SSY, the old-vs-new tax regime choice every financial year, EPF with its employer share, HRA exemption arithmetic, and EMI math on reducing-balance loans from Indian banks. Generic global calculators get these details wrong or skip them entirely. The thirteen calculators below are built specifically for India — SIP projections with step-up mode, home, car and personal loan EMI calculators that match how Indian banks quote, PPF/EPF/SSY projectors with current government rates, an income tax comparator for FY 2025-26, gratuity and HRA calculators using the statutory formulas, and FD/RD/GST tools for everyday money math. Every calculator runs entirely in your browser with no sign-up, and your figures never leave your device.
Rates and tax rules change — the calculators use current figures (PPF 7.1%, SSY 8.2%, EPF 8.25%) and let you override them, so a policy change never makes a page obsolete. For the big annual decision, start with the income tax calculator; for long-term wealth, the SIP and PPF calculators show why starting early beats investing more later.
All India Finance Calculators
Frequently asked questions
Which tax regime should I choose for FY 2025-26?
It depends on your deductions. Our income tax calculator compares both regimes on your actual salary and deductions and names the cheaper one — the crossover usually sits around ₹2–3 lakh of claimed deductions.
SIP or PPF — which is better?
Different jobs: SIPs (market-linked, ~10–12% long-term) build wealth faster over 10+ years with volatility; PPF (7.1%, tax-free, guaranteed) is the safe core. Most portfolios use both.
Are these calculators updated for current rates?
Yes — they ship with current figures (PPF 7.1%, SSY 8.2%, EPF 8.25%, FY 2025-26 tax slabs) and every rate is adjustable if policy changes.
Is my financial data safe?
Yes. All calculations happen in your browser; nothing is sent to our servers and no account is needed.
What is the difference between EPF and PPF?
EPF is employer-linked (12% of basic from you + 12% from employer) for salaried employees; PPF is voluntary and open to everyone, with a ₹1.5 lakh/year cap. Both are EEE tax-wise.
How do I compute HRA exemption?
It is the least of: actual HRA received, rent minus 10% of salary, and 50% of salary (metro) or 40% (non-metro). Our HRA calculator applies this automatically.