Finance tools
Financial calculators
Free India-focused calculators for savings, loans, investments, retirement, tax and document tools. Clear inputs, instant results and year-wise breakdowns.
Savings
Deposits & tax-free savings
4 tools
- Savings
FD Calculator
Fixed deposit maturity with simple or quarterly compound interest.
Open - Savings
RD Calculator
Recurring deposit returns with quarterly compounding.
Open - Tax saving
PPF Calculator
Public Provident Fund maturity and year-wise schedule.
Open - Planning
Old Gold Exchange Calculator
Old jewellery exchange & buyback vs new gold — credit, making, GST and cash.
Open
Loans
EMI, prepay & refinance
8 tools
- Loans
EMI Calculator
Monthly loan EMI, total interest and repayment for any loan.
Open - Loans
Home Loan EMI Calculator
Estimate home loan EMI, total interest and year-wise amortization.
Open - Loans
Prepayment Calculator
Schedule prepayments or part payments with dates — keep EMI or tenure, plus amortization.
Open - Loans
APR Calculator
Annual percentage rate including interest and loan origination charges.
Open - Loans
Balance Transfer Calculator
Estimate cash-outflow savings from transferring a loan to a lower rate.
Open - Loans· Full page
Car Loan EMI Calculator
Calculate car loan EMI and interest with a full repayment schedule.
Open - Loans· Full page
Personal Loan EMI Calculator
Personal loan EMI, total interest and amortization for short tenures.
Open - Loans· Full page
Part Payment Calculator
Part-payment planner with dates — keep EMI or tenure, plus amortization schedule.
Open
Car loan EMI, personal loan EMI and part payment stay on this hub for SEO — the header menu lists the main loan tools. Part payment uses the same planner as prepayment.
Interest & returns
Growth rate maths
10 tools
- Returns
Bond Yield Calculator
Current yield and yield to maturity for bonds and G-Secs.
Open - Returns
Present Value Calculator
Discount a future sum to today's value at your required rate.
Open - Returns
Future Value Calculator
Project lumpsum growth at a fixed annual return.
Open - Planning
Inflation Calculator
Future cost of today's expenses at an assumed inflation rate.
Open - Returns
Annuity / Pension Payout Calculator
Annual payout from a corpus over a chosen withdrawal period.
Open - Returns
Multi-Stage SIP Calculator
Multi-stage SIP with different rates and contributions per phase.
Open - Returns
Simple Interest Calculator
Calculate simple interest and maturity for a fixed principal and tenure.
Open - Returns
Compound Interest Calculator
Lumpsum or monthly deposits with yearly to monthly compounding frequencies.
Open - Returns
CAGR Calculator
Calculate CAGR and absolute returns from initial and final investment values.
Open - Returns
ROI Calculator
Total and annualized return on any investment.
Open
Investments
Mutual funds & SIPs
13 tools
- Investments
Step-Up SIP Calculator
SIP maturity with annual increases in monthly investment.
Open - Investments
SIP Returns Difference Calculator
Corpus difference when annual return changes by one percentage point.
Open - Investments
Power of Compounding Calculator
Salary-linked investing with rising contributions and compounding.
Open - Investments
Goal SIP Calculator
Monthly SIP required to reach a target corpus.
Open - Planning
Asset Allocation Calculator
Illustrative equity, debt and gold mix by age and risk profile.
Open - Planning
Financial Goal Planner
Plan multiple goals with inflation-adjusted targets and SIP needs.
Open - Planning
Visual Goal Timeline Planner
Timeline view of goals with future costs and monthly SIP.
Open - Planning
Goal Savings Tracker
Track actual vs required savings for any named financial goal.
Open - Planning
Net Worth Calculator
Assets minus liabilities with liquidity and debt-to-asset ratio.
Open - Investments
SIP Calculator
Mutual fund SIP maturity with monthly compounding.
Open - Investments
Lumpsum Calculator
Project lumpsum mutual fund growth with annual compounding.
Open - Investments
SWP Calculator
Plan monthly withdrawals from a mutual fund corpus.
Open - Investments
Mutual Fund Calculator
Estimate SIP or lumpsum growth, reverse-solve for a goal, or calculate absolute return, CAGR and XIRR.
Open
Retirement
Long-term employee benefits
8 tools
- Insurance
Term Insurance / HLV Calculator
Term cover for inflation-indexed family income and liabilities.
Open - Insurance
Family Term Insurance Need Calculator
Cover need including spouse income and children's marriage goals.
Open - Retirement
Retirement Calculator – Cost of Delay
Extra monthly SIP if you postpone retirement investing.
Open - Retirement
Retirement Income Calculator
Sustainable annual income from a retirement corpus.
Open - Retirement
Retirement Savings Tracker
Track retirement contributions against a growing annual target.
Open - Retirement
EPF Calculator
Project EPF balance with employee and employer contributions.
Open - Retirement
NPS Calculator
Project NPS corpus, lump sum, annuity and illustrative monthly pension.
Open - Retirement
Gratuity Calculator
Estimate gratuity under the Payment of Gratuity Act formula.
Open
Tax
Income tax, HRA & TDS
5 tools
- Tax
Income Tax Calculator
Estimate tax for FY 2026-27 — income heads, HRA, 80C/80D/NPS, surcharge and regime compare.
Open - Tax
Income Tax Planner
Plan 80C, HRA, 80D and house property declarations. Compare old vs new regime.
Open - Tax
HRA Calculator
Calculate HRA exemption under Section 10(13A) for metro and non-metro cities.
Open - Tax
TDS Calculator
TDS on interest, rent, fees and salary — updated 194A thresholds.
Open - Tax
GST Calculator
Add or extract GST at primary 5%/18% slabs (plus demerit and custom rates).
Open
Tools
Bills, receipts, signatures & stamps
3 tools
- Tools
Rent Receipt Generator
House rent receipts for HRA claims — landlord, tenant, period and signature in Bill Generator.
Open - Tools
Online Signature Generator
Draw or type a free signature PNG online — use on rent receipts, PDFs and forms.
Open - Tools
Stamp Maker
Design company seals and stamps online — circular text, templates, PNG/SVG and stamp a PDF.
Open
Also on Nelstack
Metal rates & estimators
Check gold, silver and platinum rates — each page includes a metal price estimator with making-charge breakdowns.
Frequently asked questions about financial calculators
How many free financial calculators are on Nelstack?
The hub lists dozens of India-focused tools across savings, loans, investments, retirement and tax — from FD and EMI to SIP, step-up SIP, HLV and income tax.
Where is the SIP calculator and step-up SIP calculator?
Open SIP Calculator for flat SIP maturity and goal mode. Use Step-Up SIP Calculator when your monthly investment rises each year with salary hikes. Mutual Fund Calculator combines SIP/lumpsum and past-return metrics.
Which loan EMI calculator should I use?
Use the general EMI Calculator for any reducing-balance loan, or the dedicated Home, Car and Personal Loan EMI pages when you want loan-type copy and defaults.
Are tax calculators updated for FY 2026-27?
Income Tax Calculator and Income Tax Planner target FY 2026-27 (AY 2027-28) slabs and the new-regime Section 87A rebate illustration. Always verify on incometax.gov.in before filing.
Can I download results as PDF?
Most calculators support sharing or exporting a results summary from the results panel where that control is shown. Inputs stay in your browser for the calculation path.
Is this investment or tax advice?
No. Tools are educational illustrations. Consult a SEBI-registered adviser or chartered accountant for decisions that affect your money or filings.