Free, accurate Indian financial calculators in ₹INR — SIP, EMI, GST, Income Tax, PPF, FD and 15+ more. All Indian calculators in one place, always free.
CalcBharat is India's free online financial calculator platform built for every Indian investor, salaried employee, and business owner. Whether you want to plan your SIP investments, calculate your home loan EMI, estimate your income tax liability for FY 2024-25, or compute GST on your products — you will find a free, accurate, and fast calculator right here.
All calculators on CalcBharat work entirely in Indian Rupees (₹ INR) and follow the latest Indian financial rules, GST rates, and income tax slabs. No login required. No charges. Use as many times as you need.
A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your monthly mutual fund investments. Enter your monthly SIP amount, expected annual return, and investment duration to instantly see your total invested amount, estimated returns, and maturity value. Ideal for long-term wealth creation through equity mutual funds.
Use our free EMI calculator to plan your home loan, car loan, or personal loan repayments. The calculator uses the standard reducing balance formula to show your exact monthly EMI, total interest paid, and total repayment amount. We also include a dedicated SBI Loan EMI Calculator with current SBI interest rates pre-filled.
Our GST calculator supports all Indian GST tax slabs: 0%, 5%, 12%, 18%, and 40%. You can calculate GST both ways — add GST to a base price (exclusive to inclusive) or remove GST from a GST-inclusive price. The tool also shows the CGST and SGST split automatically, making it useful for business owners, accountants, and shopkeepers.
Calculate your income tax liability under both the New Tax Regime and Old Tax Regime for Financial Year 2024-25 (Assessment Year 2025-26). The new regime standard deduction of ₹75,000 is applied automatically. Section 80C deductions, HRA exemption, and other deductions are considered under the old regime. Tax rebate under Section 87A is also applied where applicable.
Plan your Public Provident Fund (PPF) maturity corpus using our PPF calculator with the current interest rate of 7.1% p.a. For salaried employees, our EPF calculator estimates your Employee Provident Fund corpus at retirement, considering both employee and employer contributions, salary growth, and the current EPF interest rate of 8.15%.
Sukanya Samriddhi Yojana is a government savings scheme for the girl child in India. Our SSY calculator helps parents estimate the maturity amount based on annual deposits, the girl's current age, and the current SSY interest rate of 8.2% p.a. Deposits are made for 15 years and the account matures when the girl turns 21.
Calculate your Fixed Deposit (FD) maturity amount with our FD calculator supporting annual, half-yearly, quarterly, and monthly compounding. Our Recurring Deposit (RD) calculator helps you plan monthly savings with accurate maturity amount based on the quarterly compounding formula used by Indian banks and post offices.
XIRR (Extended Internal Rate of Return) is the best way to measure real returns on irregular SIP investments or one-time investments. Enter your cashflows and dates to get the annualised return. Our Mutual Fund Returns Calculator lets you compare purchase NAV vs current NAV to get absolute return percentage and CAGR.
CalcBharat is built specifically for Indian users. All calculations follow Indian financial regulations and tax rules. The platform is 100% free, requires no registration, and works perfectly on mobile phones — because we know most Indians access the internet on their smartphones. Our calculators are updated regularly to reflect the latest government notifications on PPF rates, SSY rates, EPF interest, and income tax slabs.
For reference, you can verify Indian GST rates on the official GST Council website and income tax slabs on the Income Tax India portal. PPF and SSY interest rates are notified by the Ministry of Finance every quarter.
SIP return is calculated using the Future Value of Annuity formula: FV = P × [((1 + r)^n – 1) / r] × (1 + r), where P is the monthly investment, r is the monthly interest rate, and n is the total number of months.
Most services in India attract 18% GST. However, rates vary — essential goods attract 0% or 5%, processed foods and medicines attract 12%, most services attract 18%, and luxury or sin goods attract 28% or 40%.
Home loan EMI is calculated as: EMI = P × r × (1 + r)^n / ((1 + r)^n – 1), where P is the principal loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the loan tenure in months.
Under the new tax regime for FY 2024-25: Income up to ₹3 lakh — Nil; ₹3–6 lakh — 5%; ₹6–9 lakh — 10%; ₹9–12 lakh — 15%; ₹12–15 lakh — 20%; Above ₹15 lakh — 30%. Standard deduction of ₹75,000 is available. Tax rebate under 87A is available for income up to ₹7 lakh.