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🧮 Financial Calculators

Plan Smarter with
Free Calculators

Accurate financial calculators for SIP returns, loan EMI, FD maturity, insurance premium and more. All results are indicative - actual figures depend on specific insurer/AMC terms.

📈 SIP Calculator

Systematic Investment Plan - estimate your mutual fund wealth over time

Monthly Investment
₹
₹500₹10,00,000
Investment Period
Years
1 Year40 Years
Expected Annual Return
%
1%30%
💡 Historical context: Large cap funds avg 12-14%, mid cap 14-16%, small cap 15-18% over 10+ years. Debt funds 6-8%. Past returns are NOT a guarantee of future returns. Mutual fund investments are subject to market risk.
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Your SIP Projection

Total Wealth
₹11.6L
Total Amount Invested
Your contribution
₹6L
Estimated Returns
Market gains over period
₹5.6L
Total Wealth Created
Invested + Returns
₹11.6L
Absolute Returns
93.5%

📈 Loan EMI Calculator

Calculate monthly EMI for Personal Loan, Home Loan, Car Loan, Business Loan

Loan Amount
₹
₹10K₹10 Cr
Interest Rate (p.a.)
%
5%36%
Loan Tenure
Years
1 Year30 Years
💡 Current market rates: Personal Loan 10.5-24% | Home Loan 8.5-11% | Car Loan 8.5-12% | Business Loan 14-28% | Credit Card 36-42% p.a.
Apply for Loan 🚀

Loan Breakdown

Monthly EMI
₹16,607
Monthly EMI
Amount payable each month
₹16,607
Principal Amount
₹5,00,000
Total Interest Payable
Over entire loan period
₹97,852
Total Amount Payable
₹5,97,852

📈 Fixed Deposit Calculator

Calculate FD maturity amount with quarterly compounding as per standard bank practice

Principal Amount
₹
₹1,000₹10 Cr
Interest Rate (p.a.)
%
3%10%
Tenure
Years
1 Year10 Years
Current Bank FD Rates (General / Senior Citizen)
BankGeneralSr. Citizen
SBI7.10%7.60%
HDFC Bank7.25%7.75%
ICICI Bank7.20%7.70%
Axis Bank7.15%7.65%
Unity SFB9.50%10.00%
Suryoday SFB9.10%9.60%
Rates as of July 2026. Subject to change. Verify with bank before investing.
Invest in FD 🚀

FD Maturity Summary

Maturity Amount
₹1,23,882
+23.9% total returns
Principal Invested
₹1,00,000
Total Interest Earned
Quarterly compounding
₹23,882
Maturity Date
Jul 2029
TDS Applicability
Interest > ₹40,000/year
10% TDS applicable
⚠️ TDS of 10% is deducted by the bank if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). Submit Form 15G/15H if income is below taxable limit to avoid TDS.

🌿 Term Cover Calculator

How much life insurance cover do you actually need? Answer 4 questions to find out.

Your Current Age
Years
18 yrs60 yrs
Annual Income
₹
₹2L₹10 Cr
Number of Dependents
08
Total Liabilities (Loans etc.)
₹
₹0₹20 Cr
💡 Rule of thumb: Cover = 10-15x annual income + outstanding liabilities. This calculator uses a comprehensive need-based approach. Actual requirement may vary based on your lifestyle and goals.
Compare Term Plans 🚀

Recommended Cover

Recommended Sum Assured
₹1.5 Cr
Est. premium: ₹800-1,200/month for 30 years
Income Replacement Need
70% income x years to retirement
₹1.12 Cr
Liabilities to Clear
₹20L
Dependents Fund
₹5L per dependent
₹10L
Recommended Tenure
28 Years (till age 60)
💡 The earlier you buy term insurance, the lower the premium. A 30-year-old pays ~40% less than a 40-year-old for the same cover. Buy now to lock in lower rates.

📈 ELSS Tax Saving Calculator

Equity Linked Savings Scheme - Save tax under Section 80C while investing in equity mutual funds

Annual ELSS Investment
₹
₹500₹15L
Your Income Tax Slab
%
5% slab30% slab
Income Tax Slabs (New Regime 2026-27)
Annual IncomeTax Rate
Up to ₹3 LakhNIL
₹3L - ₹7L5%
₹7L - ₹10L10%
₹10L - ₹12L15%
₹12L - ₹15L20%
Above ₹15 Lakh30%
Invest in ELSS 🚀

Tax Saving Summary

Tax Saved This Year
₹31,200
Including 4% Health & Education Cess
ELSS Investment
₹1,00,000
80C Deduction Claimed
Maximum ₹1.5L under 80C
₹1,00,000
Tax Saved (before cess)
₹30,000
Your Effective Investment Cost
Investment - Tax Saved
₹68,800
⚠️ ELSS has a 3-year lock-in period (shortest among 80C instruments). LTCG (Long Term Capital Gains) tax of 10% applicable on gains above ₹1 lakh per year. 80C deduction benefit is for Old Tax Regime only.

❤️ Health Premium Estimator

Estimate health insurance premium based on your profile. Actual premium depends on insurer, plan, and medical history.

Primary Insured Age
Years
18 yrs75 yrs
Sum Insured
₹
₹2L₹10 Cr
💡 Premium varies significantly by insurer, health history, and pre-existing conditions. Get accurate quotes from our advisor - it's free!

Premium Estimate

Estimated Annual Premium
₹8,000 - ₹12,000
Indicative range - actual may vary
Monthly Cost
₹667 - ₹1,000
Tax Benefit (80D)
Self & family: ₹25,000 | Parents: ₹25,000-50,000
Up to ₹25,000
Waiting Period
30 days (general) | 2-4 yrs (pre-existing)
Key Feature
Cashless at 10,000+ hospitals
🚀 Tip: Buy health insurance at a young age - premium is lowest and you avoid waiting period issues later. Pre-existing conditions declared at time of buying get covered after waiting period.
🛡️

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