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.
Tax Calculator — Income Tax Estimate
Estimate your income tax liability for the current financial year under both the old and new tax regimes. Enter your salary, other income, and applicable deductions — Section 80C, 80D, HRA, home loan interest, NPS — to see a side-by-side comparison. The calculator accounts for standard deduction, surcharge, and cess to give you the final payable amount. Use it to decide which regime saves you more and to plan your tax-saving investments before the financial year ends.
Tax Calculator
Income tax estimate
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
Should I choose the old or new tax regime?
It depends on your deductions. If you actively claim HRA, Section 80C (Rs 1.5 lakh), 80D (health insurance), home loan interest, and NPS contributions, the old regime often results in lower tax. If you have few deductions, the new regime's lower slab rates and higher rebate threshold usually work out better. The simplest approach is to run the numbers through both regimes and pick whichever gives you a lower total tax.
What deductions are available under Section 80C?
Section 80C allows up to Rs 1.5 lakh in deductions per year across a range of investments and expenses: EPF contributions, PPF, ELSS mutual funds, 5-year tax-saver FDs, life insurance premiums, home loan principal repayment, children's tuition fees, Sukanya Samriddhi, and NSC. Most salaried employees already use a chunk of this through mandatory EPF deductions, so check what headroom you have left before investing specifically for 80C.
How does the income tax rebate under Section 87A work?
Under the new tax regime, if your total taxable income is up to Rs 7 lakh (after standard deduction), you get a full rebate — meaning zero tax. Under the old regime, the rebate applies for income up to Rs 5 lakh. The rebate effectively zeroes out the tax calculated on your income, but note that surcharge and cess may still apply in edge cases. It is one of the reasons the new regime suits people with moderate incomes and few deductions.
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.