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India Tools & Reference

60 tools, 3 reference pages — Reference pages for Indian tax slabs, statutory rates, and financial thresholds — reviewed periodically and linked to the relevant free calculator.

Every calculator, converter, and validator below is built around Indian rules — old vs. new tax regime slabs, EPF/PPF/NPS contribution logic, and lakh/crore-style number formatting — instead of generic global defaults. Reference pages track the underlying rates and thresholds separately, so a slab change doesn't require touching every calculator that uses it.

India Specific Tools

Everyday

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Bike Average Calculator
Calculate your bike's mileage in km/l by entering distance and fuel used. Estimate fuel cost per km and total trip fuel expense at current petrol prices.
validator
Driving Licence Validator
Validate whether an Indian driving licence number follows the official 15-character format — state code, RTO code, year, and serial number. Instant check.
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Electricity Bill Calculator
Calculate your monthly electricity bill in India. Enter your units consumed and state tariff slab to get bill amount, per-unit cost, and monthly savings tips.
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Fuel Cost Calculator
Calculate petrol or diesel cost for any trip in India. Enter distance, mileage, and fuel price to get exact fuel cost per trip and per month.
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GPA / CGPA Calculator
Calculate your GPA or CGPA on a 10-point scale. Supports CBCS grading for Indian universities (UGC, ANNA, VTU, JNTU). Convert CGPA to percentage.
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Grade Calculator
Calculate your overall percentage and grade from marks across multiple subjects. Supports CBSE, ICSE, and state board grading scales for Indian students.
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Gratuity Calculator
Calculate your gratuity amount using India's Payment of Gratuity Act formula. Find your exact payout and tax-exempt limit based on salary and service years.
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Inflation Calculator India
See what today's expense will cost you after inflation. Enter the current cost, inflation rate and years to get the future cost in rupees instantly.
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Rent vs Buy Calculator India
Compare the true cost of renting vs buying a home in India. Factor in EMI, maintenance, rent inflation, and investment returns to see which is smarter.
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Vehicle Registration Validator
Validate Indian vehicle registration numbers — standard state-RTO format and the new Bharat series (BH). Instant browser check, no sign-up needed.

Investment

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ELSS Calculator
Calculate ELSS mutual fund returns on your monthly SIP investment, with Section 80C tax savings and the mandatory 3-year lock-in for equity-linked schemes.
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EPF Calculator
Calculate your EPF corpus at retirement with employee and employer contributions at 8.25% p.a. interest, including a salary hike projection.
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FD vs RD Calculator
Compare Fixed Deposit and Recurring Deposit returns on the same investment. See whether a lumpsum FD or monthly RD deposits earn more interest at the same rate.
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Fixed Deposit Calculator
Calculate your FD maturity amount, total interest, and payout schedule instantly. Supports monthly and cumulative interest options for Indian bank FDs.
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KVP Calculator
Calculate Kisan Vikas Patra maturity value and the exact doubling period for your investment at the current 7.5% p.a. rate, compounded annually.
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LTCG Tax Calculator
Calculate Long Term Capital Gains tax on equity and mutual funds for FY 2025-26. Includes 12.5% rate, ₹1.25 lakh exemption, surcharge, and cess.
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Lumpsum Calculator
Calculate returns on a one-time lump sum investment instantly. Enter your investment amount, expected return, and duration to see total corpus and gains.
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NPS Calculator
Estimate your NPS retirement corpus with this free calculator. Enter age and expected returns to plan your National Pension Scheme investment.
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NSC Calculator
Calculate National Savings Certificate maturity value and interest earned on a 5-year lump-sum investment at the current 7.7% p.a. rate, compounded annually.
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PPF Calculator
Calculate PPF maturity amount and total interest on yearly deposits. Uses current 7.1% p.a. rate with annual compounding for 15–50 year projections.
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Recurring Deposit Calculator
Calculate your RD maturity amount and interest earned instantly. See how monthly deposits grow with a year-by-year breakdown for Indian bank RDs.
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SCSS Calculator
Calculate Senior Citizens Savings Scheme quarterly interest payout and total returns on deposits up to ₹30 lakh at the current 8.2% p.a. rate.
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SIP Calculator
Calculate your SIP returns instantly. Enter monthly investment, expected return, and duration to see your estimated corpus and gains in seconds.
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SIP vs Lumpsum Calculator
Compare SIP and lumpsum returns on the same total investment. See which strategy grows your money more over any period at the same return rate.
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SIP vs RD Calculator
Compare SIP and Recurring Deposit returns on the same monthly investment. See how much more a market-linked SIP earns over a fixed-rate RD for any tenure.
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STCG Tax Calculator
Calculate Short Term Capital Gains tax on equity and mutual funds for FY 2025-26. Includes the 20% STCG rate, surcharge, and 4% health & education cess.
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Step-Up SIP Calculator
Calculate your step-up SIP returns with a yearly increase — by percentage or a fixed amount. See total corpus, invested amount, and gains with a growth chart.
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Sukanya Samriddhi Yojana Calculator
Calculate the maturity amount for Sukanya Samriddhi Yojana (SSY) at 8.2% p.a. See year-by-year corpus growth and your daughter's age at maturity.
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SWP Calculator
Plan your SWP with our free calculator. Enter lump sum, withdrawal amount, frequency, and return rate to see yearly income and how long your corpus lasts.

Loan

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Bike Loan EMI Calculator
Calculate your bike or two-wheeler loan EMI instantly — get monthly EMI, total interest, and repayment amount for any lender. Amortisation schedule included.
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Car Loan EMI Calculator
Calculate your car loan EMI, total interest, and repayment schedule instantly. Covers all car loans in India — results in seconds with a breakdown.
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Education Loan Calculator
Use the Education Loan EMI Calculator to estimate EMI, total interest, and moratorium impact for student loans in India from SBI, HDFC Credila, and Axis Bank.
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Gold Loan Calculator
Calculate your gold loan eligibility and monthly EMI based on gold weight, current price, and loan-to-value ratio. Free EMI calculator for India.
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Home Affordability Calculator India
Find out what price home you can afford in India based on your income, savings, and existing EMIs. See your maximum home price and required down payment.
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Home Loan EMI Calculator
Calculate your home loan EMI, total interest, and amortisation schedule instantly. Built for Indian borrowers — results in seconds with a breakdown.
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Loan Against Property Calculator
Calculate your Loan Against Property EMI, total interest, and LTV ratio instantly. Plan your mortgage-backed loan repayment for Indian properties in seconds.
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Loan Amortization Calculator
Generate a complete loan amortization schedule with monthly principal and interest breakdown. See exactly how your home loan or personal loan gets paid off.
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Loan Eligibility Calculator
Calculate the maximum loan amount you are eligible for based on your monthly income, existing EMIs, interest rate, and FOIR. Works for home and personal loans.
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Loan Prepayment Calculator
Calculate how much interest you save and how many months you cut by prepaying your home or personal loan. Compare lumpsum vs extra EMI prepayment strategies.
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Personal Loan EMI Calculator
Calculate your personal loan EMI, total interest, and repayment schedule instantly. Covers all unsecured personal loans in India with a breakdown.

Tax

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80C Deduction Calculator
Calculate your Section 80C tax savings for FY 2025-26. Enter EPF, PPF, ELSS, and other investments to find deductions and tax saved under the old regime.
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ESI Calculator
Calculate your monthly ESI contribution as an employee and employer based on gross salary. Check ESI eligibility and see the exact deduction in seconds.
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GST Calculator
Calculate GST on any amount instantly. Supports 5%, 12%, 18%, and 28% GST slabs. Shows CGST, SGST breakdown and total inclusive price in seconds.
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HRA Exemption Calculator
Calculate your HRA exemption under Section 10(13A) for FY 2025-26. See exactly how much HRA is tax-free based on your city tier, rent paid, and basic salary.
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Income Tax Calculator
Calculate income tax for FY 2025-26 under old and new tax regimes. Includes 87A rebate, surcharge, cess, and deductions (80C, 80D, HRA). India income tax.
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Old vs New Tax Regime Calculator
Compare income tax under old and new regime for FY 2025-26. Enter your income and deductions to instantly see which tax regime saves you more money.
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Professional Tax Calculator
Calculate your monthly and annual professional tax (PT) based on your salary and state. Covers Maharashtra, Karnataka, and other states instantly.
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Salary / CTC Calculator
Calculate your in-hand monthly salary from CTC in India. Breaks down basic, HRA, PF, professional tax, income tax TDS to show your net take-home pay.
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Section 24(b) Home Loan Tax Benefit Calculator
Calculate income tax saved on home loan interest under Section 24(b). Enter your interest paid and income to see your annual tax saving instantly.
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TDS Calculator
Calculate TDS deduction for FD interest, rent, professional fees, property purchase and more. Instant results for Indian taxpayers with rates shown.

Rates & Reference

INDIA

India EPF Interest Rate — Current & Historical

Current EPFO-declared EPF interest rate for FY 2025-26, how it's split between employee and employer contributions, and the rate history over the past decade.

Data as of FY 2025-26 (declared rate)
INDIA

India GST Rates by Category

India's GST slabs explained by category — 0%, 5%, 12%, 18%, and 28% rates with examples of what falls into each, plus the special 3% gold rate.

Data as of 2026
INDIA

India Income Tax Slabs — Old vs New Regime

Current India income tax slabs for both Old and New Tax Regimes, FY 2026-27 — rates, standard deduction, and Section 87A rebate thresholds at a glance.

Data as of FY 2026-27

IndiaArticles & Guides

COMPARISON

CAGR vs Absolute Return — What's the Difference?

HOW-TO

How to Calculate Fixed Deposit Maturity Amount

HOW-TO

How to Calculate Recurring Deposit Maturity Amount

HOW-TO

How to Start a Step-Up SIP

COMPARISON

PPF vs EPF — Which Builds a Bigger Retirement Corpus?

COMPARISON

Term Insurance vs ULIP: Which Should You Buy?

GUIDE

Savings Schemes & SIP Growth Guide — India 2026

HOW-TO

How to Calculate Property Appreciation in India

HOW-TO

How to Check and Improve Your Bike's Mileage

GUIDE

Pregnancy Weight Gain Guide: What's Normal and What's Not

GUIDE

Investor Risk Profile Guide

COMPARISON

Loan Prepayment vs Investing the Extra Cash

COMPARISON

SIP vs Lumpsum — Which Investment Mode is Better?

GUIDE

Gold Investment & Loan Guide — India 2026

HOW-TO

How to Validate an Aadhaar Number

BEST-OF

Best GST Calculators India 2026

BEST-OF

Best Free Loan Calculators Online 2026

BEST-OF

Best Salary Calculators India 2026 — Free Tools for Salaried Employees

GUIDE

FIRE Planning Guide — India

COMPARISON

GST vs VAT in India — What Changed?

GUIDE

Home Renovation Budget Guide — India 2026

HOW-TO

How to Calculate EPF Corpus

HOW-TO

How to Calculate Loan Eligibility

HOW-TO

How to Calculate NPS Returns

GUIDE

Job Offer Evaluation Guide — India

COMPARISON

Sukanya Samriddhi Yojana vs PPF — Which is Better for Girl Child?

COMPARISON

XIRR vs CAGR — Understanding the Difference

BEST-OF

Best EMI Calculators India 2026

BEST-OF

Best Income Tax Calculators India 2026-27

BEST-OF

Best Free Investment Calculators India 2026

BEST-OF

Best Retirement Calculators India 2026

BEST-OF

Best SIP Calculators in India 2026

BEST-OF

Best Tax Saving Tools for Salaried Employees India 2026

GUIDE

Car Buying Guide — India 2026

GUIDE

Debt Payoff Guide — India 2026

COMPARISON

Direct Mutual Funds vs Regular Mutual Funds — Full Comparison

COMPARISON

ELSS vs PPF — Best Tax-Saving Investment?

COMPARISON

FD vs RD: Which Is Better for Short-Term Savings?

GUIDE

First Investment Guide — India 2026

COMPARISON

Fixed vs Floating Rate Home Loan India

GUIDE

Freelancer Finance Guide — India

COMPARISON

Gold vs Equity Investment — India Comparison

GUIDE

Home Buying Guide — India 2026

COMPARISON

Home Loan vs Personal Loan — India

HOW-TO

How to Calculate CAGR

HOW-TO

How to Calculate Capital Gains Tax in India

HOW-TO

How to Calculate EPF Maturity Amount in India

HOW-TO

How to Calculate Gratuity

HOW-TO

How to Calculate GST

HOW-TO

How to Calculate HRA Exemption

HOW-TO

How to Calculate Income Tax FY 2026-27

HOW-TO

How to Calculate PPF Maturity Amount

HOW-TO

How to Calculate SIP Returns

HOW-TO

How to Calculate TDS on Salary

HOW-TO

How to Calculate XIRR on Mutual Fund Investments

HOW-TO

How to Plan Section 80C Investments — FY 2026-27

HOW-TO

How to Read Your Salary Slip

COMPARISON

LTCG vs STCG Tax India — Full Comparison

COMPARISON

Mutual Funds vs Fixed Deposit — Which is Better?

COMPARISON

NPS vs EPF — Retirement Options Compared India

COMPARISON

NPS vs PPF — Best for Retirement Savings?

GUIDE

NRI Investment Guide — India

COMPARISON

Old vs New Tax Regime — Full Comparison India 2026-27

COMPARISON

Renting vs Buying a Home — India 2026

GUIDE

Retirement Planning Guide — India 2026

GUIDE

Salary Negotiation Guide — India 2026

COMPARISON

SIP vs PPF — Which Builds More Wealth?

GUIDE

Student Finance Guide — India

GUIDE

Sukanya Samriddhi Yojana Guide 2026

COMPARISON

SWP vs FD — Which Beats Inflation in Retirement?

COMPARISON

SWP vs SIP: Withdrawal vs Accumulation Strategies Explained

GUIDE

Tax Planning Guide — FY 2026-27

COMPARISON

TDS vs Advance Tax — What's the Difference?

India Worked Examples

WORKED EXAMPLE

₹5 Lakh Fixed Deposit for 1 Year — Maturity Amount

WORKED EXAMPLE

₹5 Lakh Personal Loan for 3 Years — Monthly EMI

WORKED EXAMPLE

₹50 Lakh Home Loan for 20 Years — Monthly EMI

WORKED EXAMPLE

₹8 Lakh Car Loan for 5 Years — Monthly EMI

WORKED EXAMPLE

GST on a Restaurant Bill — Worked Example

WORKED EXAMPLE

PPF at ₹1.5 Lakh Per Year — Full 15-Year Maturity

WORKED EXAMPLE

SIP of ₹10,000 Per Month — What You'd Get

Frequently Asked Questions

Are the India-specific calculators free to use?

Yes. Every calculator, converter, and validator on this page is free, requires no sign-up, and runs entirely in your browser.

Do these tools cover both the old and new tax regimes?

Where relevant, yes — India's income tax and salary calculators let you compare outcomes under both the old and new regime rather than assuming one.

How current are the tax slabs and rates shown here?

Reference pages show a "data as of" date and a review cadence (monthly, quarterly, or annual) so you can judge freshness at a glance. Always confirm figures with an official source before filing or making a financial decision.

Can I share a calculation with someone else?

Yes — every input is written to the page URL as you type, so copying the link shares the exact calculation, no account or export step needed.