Make Better Money Decisions
in 30 Seconds
Tax, Salary, SIP, EMI and Retirement Planning — explained in plain language, not just numbers.
What are you trying to achieve?
Evolve from simple calculations to comprehensive outcome plans. Select your core objective below to model your optimal roadmap.
Save Tax
Compare tax regimes, optimize Section 80C/80D deductions, and minimize liability.
Buy a Home
Determine home loan eligibility, estimate EMI metrics, and structure prepayment strategies.
Grow Wealth
Compound capital using Systematic Investment Plans (SIP) with annual salary linked step-ups.
Retire Early
Model long-term pensions, build retirement corpuses, and project NPS matching.
Increase Take-Home Salary
Optimize flexi-basket salary allowances to increase monthly net take-home salary.
Check Your Financial Health Score
Answer 4 simple questions to receive your diagnostic score and a personalized action plan.
Is your money working as hard as you do?
Take a 30-second audit of your saving, investing, emergency fund, and retirement allocation to evaluate your wealth-building efficiency.
See Your Wealth Compounding
Adjust the sliders to see how small monthly systematic plans grow exponentially over time. Wealth building is about duration, not just amount.
₹5,000.00
15 Years
Projected Future Value
₹25,22,880
Total investments of ₹9,00,000 over 15 years.
Total Invested
₹9,00,000
Wealth Gained
₹16,22,880
All Calculators
Pick a calculator and get your answer in seconds
EMI Calculator
Home, car or personal loan EMI
Calculate →
SIP Calculator
Monthly SIP to future corpus
Calculate →
Income Tax Calculator
Old vs New regime comparison
Calculate →
Salary / CTC Calculator
CTC to monthly in-hand salary
Calculate →
GST Calculator
Add or remove GST instantly
Calculate →
HRA Exemption Calculator
Tax-exempt HRA calculation
Calculate →
PPF Calculator
Public Provident Fund returns
Calculate →
EPF Calculator
Employee Provident Fund corpus
Calculate →
FD Calculator
Fixed deposit maturity amount
Calculate →
Gratuity Calculator
Gratuity on retirement or exit
Calculate →
NPS Calculator
National Pension System corpus
Calculate →
Capital Gains Tax
STCG and LTCG tax on investments
Calculate →
Loan Prepayment Calculator
Interest saved by prepaying loan
Calculate →
RD Calculator
Recurring deposit maturity
Calculate →
Step-Up SIP Calculator
SIP with annual step-up returns
Calculate →
How It Works
Three steps to financial clarity
Enter Your Numbers
Drag the sliders or type your values — loan amount, salary, investment, anything.
Get Instant Results
See your EMI, corpus, tax liability, or in-hand salary calculated in real time.
Understand & Act
Get a plain-English explanation of what your numbers mean and what to do next.
Latest Financial Intelligence Guides
Clear, outcomes-focused explanations prepared by the FinBuddy team. Understand the trade-offs behind your decisions.
Maximizing Take-Home Salary: Flexi-Allowance Structuring & Exemptions
Learn how to structure telephone reimbursements, food coupons, and HRA exemptions to boost monthly take-home salary by up to 15%.
Compounding to 1 Crore: The SIP Wealth Formula Decoded
Decode the compound interest annuity formula, compare normal vs step-up SIP structures, and map out timelines to reach ₹1 Crore.
New vs Old Tax Regime: Smart Tax Optimization for FY 2026-27
Audit standard deductions, compare rebates under Section 87A, and find the optimal breakeven points for Old vs New regimes.
Why FinBuddy Exists
Most calculator websites stop at numbers. They present a wall of formulas, raw tables, and static charts, leaving you with the ultimate question: "What do I do with this number?"
We believe numbers are just the beginning of your financial story. FinBuddy is built to bridge the gap between calculation and action. We explain the mathematical trade-offs, outline optimization paths, and show you exactly what to do next to reach your goals.
The FinBuddy Difference
From Raw Numbers to Custom Action Plans
Standard tools show your loan EMI or SIP corpus. FinBuddy analyzes if that EMI is safe for your income bracket and how to save lakhs with early prepayments.
Scenario-Based Explanations
We model tax saving combinations, step-up allocations matching your increments, and EPF interest limits to keep your planning compliant with the latest rules.
Affiliate Recommendations You Can Trust
No random banner ads. We surface top-tier loan comparators and direct mutual fund partners right on the results dashboard.
FAQ
Frequently Asked Questions
Quick answers to the most common Indian finance questions
Indian banks calculate EMI using: EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is principal, r is monthly interest rate (annual ÷ 12), and n is tenure in months. For a ₹50 lakh loan at 8.5% for 20 years, EMI = ₹43,391/month.
For most salaried individuals earning up to ₹12 lakh, the New Tax Regime is better. The ₹75,000 standard deduction plus the Section 87A rebate makes income up to ₹12 lakh fully tax-free. Choose Old Regime only if your total deductions (80C + 80D + HRA) exceed ₹3.75 lakh.
To reach ₹1 crore at a 12% annual return: invest approximately ₹10,000/month for 20 years, ₹20,000/month for 15 years, or ₹43,000/month for 10 years. The earlier you start, the less you need to invest monthly — compounding does the heavy lifting.
The current PPF interest rate is 7.1% per annum for FY 2026-27. PPF has a 15-year lock-in with a maximum annual investment of ₹1.5 lakh. It enjoys EEE status — tax-free on investment (80C), interest, and maturity.
No. HRA exemption under Section 10(13A) is only available under the Old Tax Regime. Under the New Regime, you get a flat ₹75,000 standard deduction instead, but no HRA, 80C, or 80D deductions.
STCG (Short-Term Capital Gains) applies when you sell equity within 12 months — taxed at 20%. LTCG applies after 12 months — taxed at 12.5% on gains above ₹1.25 lakh. For property, the LTCG threshold is 24 months.
Gratuity = (Last drawn salary × 15 × Years of service) ÷ 26 for private sector employees. For government employees the divisor is 30. Gratuity is tax-free up to ₹20 lakh. Minimum 5 years of continuous service is required to be eligible.
Start Calculating. It's Free.
No signup. No ads. No nonsense. Just accurate Indian finance calculators.