Free financial calculators, built for India.
SIP, PPF, EMI, income tax, XIRR and 15 more — every formula shown, every assumption stated, zero sign-up. Try one live right now:
⚡ Live preview: SIP growth
Tap a scenario — calculated instantly at 12% p.a.
What are you working out?
Save on tax
A ₹1.5 lakh ELSS investment can save you ₹46,800 in tax in a single year — in the 30% slab, it effectively costs just ₹1.03 lakh.
Plan a loan
On a ₹50 lakh home loan at 9% for 20 years, you pay ~₹58 lakh in interest — more than the principal itself. Prepaying ₹1 lakh a year saves ~₹20 lakh.
Grow your money
₹10,000/month at 12% for 20 years becomes ~₹1 crore. You invest only ₹24 lakh — compounding contributes the other ₹76 lakh.
Salary & retirement
Your EPF silently invests 24% of your basic salary every month at 8.25% — most people never calculate what that becomes by retirement.
Big decisions
Rent a ₹1 crore home or buy it? At 12% market returns vs 6% property growth, renting wins by ~₹32 lakh over 10 years. Run your own numbers.
Grow your money
SIP, lumpsum and return calculators for wealth creation.
SIP Calculator
See how monthly SIPs grow with compounding over time.
Step-Up SIP Calculator
SIP that rises every year with your salary — see the difference.
Target SIP Calculator
Have a goal amount? Find the monthly SIP you need.
Lumpsum Calculator
Project a one-time investment's growth over the years.
Mutual Fund Returns Calculator
Lumpsum + SIP combined — and see what the expense ratio costs you.
ELSS Calculator
ELSS SIP returns + 80C tax saving in one view.
CAGR Calculator
Compound annual growth rate between two values.
XIRR Calculator
True annualised return for irregular cash flows (SIPs).
Safe savings & retirement
Government schemes and retirement tools with guaranteed or near-guaranteed outcomes.
PPF Calculator
Project your Public Provident Fund maturity value.
EPF Calculator
See your provident fund corpus grow with salary hikes.
FD Calculator
Fixed deposit maturity value with quarterly compounding.
RD Calculator
Recurring deposit maturity for your monthly savings.
NPS Calculator
Project your NPS retirement corpus and monthly pension.
SSY Calculator
Sukanya Samriddhi Yojana maturity for your daughter.
SWP Calculator
Will your corpus survive your monthly withdrawals?
Loans & big decisions
EMIs, prepayments and the rent-vs-buy dilemma, modelled honestly.
Tax & salary
Take-home pay and old-vs-new regime comparisons for FY 2025-26.
Calculator FAQs
Are these calculators really free?
Yes — all 20, with no sign-up, no limits and no catch. They run entirely in your browser.
Is my data stored anywhere?
No. Every calculation happens on your device; we never see, store or transmit the numbers you enter.
Can I use these results for tax filing?
No — these are planning illustrations. Tax rules have edge cases (surcharge, special incomes) we don't model. Verify against incometax.gov.in or consult a CA before filing.
Where do the formulas come from?
Standard financial mathematics. Each calculator page shows its exact formula, a worked numeric example and the source — AMFI methodology, RBI compounding conventions, or the Finance Act, as applicable.
Why do my bank's numbers differ slightly?
Day-count conventions, rounding and fee treatment vary a little between institutions. Differences should be tiny — if they're large, check your inputs.
📐 Our methodology
Every CashCrafty calculator shows its exact formula, a worked numeric example you can verify by hand, and its assumptions and sources — AMFI methodology for SIPs, RBI compounding conventions for deposits, the Finance Act for tax. Rates were verified in October 2026.
Results are planning illustrations, not financial advice. Markets vary, rates change, and tax rules have edge cases — always confirm important decisions against official sources.