Financial Calculators — Investment Calculators for India
Good financial decisions start with good numbers, and this is your one-stop hub for the calculators that Indian investors and savers reach for most. Whether you are working out how a monthly SIP will compound into a retirement corpus, comparing the EMI on a home loan, estimating the maturity value of a PPF or fixed deposit, or checking the CAGR your portfolio has delivered, you will find a purpose-built tool here — all free and requiring no sign-up. Each calculator uses Indian conventions: values are shown in rupees, deposit tools reflect current PPF and FD norms, and the tax calculator follows Indian income tax slabs. Beyond the basics, you can plan early retirement with the FIRE calculator, project your goals with the goal planner, work out the impact of inflation on your savings, and estimate trading costs with the brokerage and margin calculators. Pick a calculator below, adjust the inputs to match your situation, and see instant results with clear charts and year-by-year breakdowns to guide your planning.
EMI Calculator — Calculate Home Loan & Car Loan EMI
Whether you are planning to buy a house, a car, or need a personal loan, knowing your monthly EMI upfront helps you budget confidently. This calculator lets you plug in your loan amount, interest rate, and tenure to instantly see your monthly instalment, total interest payable, and a full amortization breakdown. You can compare different scenarios — for instance, how much you would save by choosing a 15-year home loan over a 20-year one, or how prepaying a portion affects your total interest cost.
EMI Calculator
Loan EMI calculator
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How is EMI calculated?
EMI is calculated using the formula: EMI = P x R x (1+R)^N / ((1+R)^N - 1), where P is the principal loan amount, R is the monthly interest rate, and N is the number of monthly instalments. In the early months, a larger portion of your EMI goes toward interest, and over time, more goes toward repaying the principal.
What factors affect my EMI amount?
Three main factors determine your EMI: the loan amount (principal), the interest rate, and the loan tenure. A higher loan amount or interest rate increases your EMI, while a longer tenure reduces it — though you end up paying more total interest. Your credit score also indirectly affects EMI because it influences the interest rate you are offered.
What is the difference between fixed and floating interest rates?
A fixed interest rate stays the same throughout the loan tenure, so your EMI never changes. A floating rate is linked to a benchmark like the RBI repo rate and can go up or down over time. Floating rates are usually lower initially but carry the risk of increasing. Most home loans in India are on floating rates, while personal loans often use fixed rates.
Frequently Asked Questions
Which financial calculator should I use first?
It depends on your goal. If you are a salaried investor starting to build wealth, the SIP calculator shows how monthly mutual fund investments compound over time. Planning a home or car purchase? The EMI calculator breaks down your loan repayments. For tax-saving deposits, try the PPF and FD calculators, and for retirement, the FIRE and retirement planners help you estimate the corpus you will need.
Are these calculators accurate for the Indian market?
Yes. Every calculator on WealthOrbit is built with Indian conventions in mind — amounts are shown in rupees, the PPF calculator uses the current government-notified interest rate and 15-year lock-in, and the tax calculator reflects Indian income tax slabs. That said, the results are estimates for planning purposes; actual returns, interest rates and tax liabilities can change, so always confirm with your bank, fund house or a qualified advisor.
Do I need to pay or sign up to use these calculators?
No. All calculators on WealthOrbit are completely free to use and require no registration or login. You can run as many scenarios as you like, adjust the inputs, and see instant results with charts and breakdowns. Nothing you enter is stored against an account — the calculations happen right in your browser so you can plan your finances privately and without any cost.
What is the difference between the SIP, lumpsum and CAGR calculators?
The SIP calculator projects returns when you invest a fixed amount every month, while the lumpsum calculator handles a one-time investment growing over a period. The CAGR calculator works the other way — it tells you the compounded annual growth rate an investment actually delivered between two values. Use SIP and lumpsum to plan future investments, and CAGR to measure the past performance of a stock, fund or portfolio.