Free finance calculators for EMI, SIP, mortgage, compound interest, income tax, GST, investment returns, salary, budgeting, and debt payoff. India-first formulas, instant results.
Every calculator on iCalcApp is free with no sign-up, and no data collection. Calculations run instantly in your browser — your inputs are never sent to our servers.
All formulas are reviewed by Mayra, and cross-verified against official sources (RBI, WHO, ICMR, ISO).
iCalcApp finance calculators cover every money calculation you need — EMI, SIP, mortgage, compound interest, income tax, GST, retirement, and 25 more. All are free, instant, and use formulas from RBI, SEBI, and IRS guidelines. No signup, .
Each calculator has clearly labelled input fields. Type your values — loan amount, interest rate, tenure, or income — and the result appears instantly. All calculators include a step-by-step formula explanation, reference table, and FAQ section so you understand the number you get, not just the number itself.
The most-used finance calculators on iCalcApp are: Loan/EMI Calculator (monthly repayment planning), SIP Calculator (mutual fund investment projection), Compound Interest Calculator (savings growth), Income Tax Calculator (India 2026 new vs old regime), and GST Calculator (invoice and reverse calculation). Each links to a detailed blog guide for deeper learning.
Every finance tool here is built for real decisions — borrowing, investing, tax, and retirement. Calculators are grouped by what you're trying to figure out.
EMI calculator, loan calculator, amortization calculator, auto loan calculator, payment calculator, debt payoff calculator, interest rate calculator.
mortgage calculator, mortgage payoff calculator, mortgage refinance calculator.
GST calculator, income tax calculator, sales tax calculator, salary calculator, HRA calculator.
EPF calculator, PPF calculator, NPS calculator, gratuity calculator, retirement calculator, 401(k) calculator.
FD calculator, RD calculator, simple interest calculator, compound interest calculator, interest calculator.
SIP calculator, investment calculator, ROI calculator, inflation calculator, net worth calculator, savings goal calculator.
budget calculator, currency converter, fuel cost calculator, tip calculator.
Each opens instantly, calculates in real time as you type, and explains its formula with worked examples below the tool.
Further reading: financial calculators guide
Start with the Net Worth Calculator to understand your current financial position, then the Budget Calculator to optimise monthly cash flow, then the SIP or Investment Calculator to plan long-term wealth creation. For debt, start with the EMI or Loan Calculator.
All finance calculators use standard industry formulas: RBI-compliant reducing balance for EMI, SEBI compound interest conventions for SIP, and IRS/CBDT tax slabs updated for 2026. Results are accurate for planning purposes. Verify final tax figures with a CA before filing.
Use the Income Tax Calculator for new vs old regime comparison, the GST Calculator for business invoicing and reverse calculation, and the Salary Calculator to optimise your CTC structure. All use current FY 2025-26 slabs and Section 87A rebate rules.
An EMI calculator shows the monthly payment for a loan you are taking (money going out). A SIP calculator shows the future value of regular investments (money building up). Both use compound interest but in opposite directions — EMI for debt repayment, SIP for wealth accumulation.
Yes — every calculator on iCalcApp is completely free, works instantly in your browser, requires no signup, and stores no personal data. Results appear as you type.
Sources: Reserve Bank of India (RBI) — master directions on interest rates; SEBI investor education materials; IRS Publication 15-T (2026); CBDT Finance Act 2025.
For financial mathematics, also see our math calculators.
From our blog: Retirement Planning Basics · EMI Calculation Guide
If you know your monthly payment but need to work backwards to find the actual interest rate you're paying, use the interest rate calculator — especially useful for flat-rate loans and buy-now-pay-later products. The loan payment calculator does the reverse: find your monthly payment from a known rate. Vehicle owners can track monthly running costs with the fuel cost calculator, which factors in fuel type, efficiency, and current pump prices.
The EMI cluster covers every borrowing scenario. The EMI calculator is the primary tool — enter loan amount, rate, and tenure to instantly get your monthly payment and total interest. The personal loan calculator targets consumer loans up to ₹50 lakh. The mortgage calculator handles home loans with full amortization. The car loan calculator factors in down payment and dealer financing. The amortization schedule calculator breaks down every EMI by month. The mortgage payoff calculator shows how prepayments reduce tenure and total interest.
The SIP calculator projects mutual fund returns from monthly investments over 5, 10, or 20 years. The compound interest calculator shows how FDs and savings accounts grow. The investment calculator handles lump sum investments with CAGR. The inflation calculator shows the purchasing power of money over time. The retirement calculator estimates the corpus needed for retirement at any age. The savings goal calculator tells you how much to save monthly for any target.
The income tax calculator covers both old and new tax regimes for FY 2025-26, including Section 80C deductions and Section 87A rebate. The GST calculator adds or removes GST at any slab (5%, 12%, 18%, 28%). The salary calculator converts CTC to take-home and calculates HRA exemption, EPF, and TDS.
The break-even calculator finds the sales volume needed to cover fixed costs. The profit margin calculator computes gross, net, and operating margin. The ROI calculator converts total return to CAGR for any investment. The freelance rate calculator finds the minimum viable hourly rate after taxes and expenses.
The debt payoff calculator compares avalanche and snowball strategies for eliminating multiple debts. The budget calculator implements zero-based budgeting and the 50/30/20 rule. The net worth calculator tracks assets minus liabilities over time.
| Goal | Best Calculator |
|---|---|
| Find monthly loan payment | EMI Calculator |
| Plan monthly SIP investment | SIP Calculator |
| Calculate income tax liability | Income Tax Calculator |
| Add/remove GST from price | GST Calculator |
| Plan retirement savings | Retirement Calculator |
| Calculate home loan EMI | Mortgage Calculator |
| Compare loan prepayment savings | Mortgage Payoff Calculator |
| Find business break-even point | Break-Even Calculator |
Further reading: EMI Calculation Guide · Compound Interest Explained · SIP vs Lump Sum · Retirement Planning Basics