EMI, GST, income tax, SIP, FD, RD, salary, and more — all in one place
Financial calculators for India
The financial section of CalculatorPoint covers the calculations Indian households deal with most often: home and personal-loan EMIs, fixed-deposit and recurring-deposit maturity, mutual-fund SIP projections, PPF growth, gratuity entitlement, income tax under old and new regime slabs, GST on invoices, and quick salary breakdowns from CTC.
Every calculator here uses rupee defaults, Indian interest-rate ranges and the formulas published by RBI, SEBI, the Income Tax Department or EPFO. Results are estimates that follow standard methodology — they help you plan, compare options and check what your bank, employer or financial adviser tells you, but they are not a substitute for professional financial, legal or tax advice.
When to use these tools: Use these tools when you are comparing loan offers, planning a savings goal, deciding between old and new tax regimes, checking an invoice total, or estimating your take-home pay from a job offer.
EMI Calculator
Calculate equated monthly instalments for loans
₹
%
Yr
Monthly EMI₹17,356
Total Interest₹21,65,552
Total Amount₹41,65,552
Principal 48.0%Interest 52.0%
How EMI Calculator is calculated
EMI = P × r × (1+r)^n / ((1+r)^n - 1)
P: principal, r: monthly interest, n: total months.
Common questions
About EMI Calculator on CalculatorPoint.
What is EMI?
EMI (equated monthly instalment) is a fixed amount you pay each month towards a loan. Each payment covers part of the principal and part of the interest so that the loan is fully repaid by the end of the tenure.
How is EMI calculated?
This calculator uses the standard reducing-balance formula: EMI depends on loan amount, annual interest rate converted to a monthly rate, and total number of months in the tenure. Total interest is the sum of all EMIs minus the principal.
Does this EMI calculator include processing fees or insurance?
No. It uses principal, rate and tenure only. If your lender adds fees or insurance to the loan amount, enter an adjusted principal to approximate your actual EMI.
Which loan types can I use this calculator for?
You can use it for any fixed-rate loan where EMI is computed on a reducing balance—typical home loans, car loans and personal loans in India. Floating rates change over time; your lender’s schedule may differ slightly.
All financial calculators for india on this page
Tap any calculator below to load it in place. Every tool on this page is free, runs in your browser and does not need a sign-up.
Estimate the equated monthly instalment for a home, car or personal loan from the principal, annual interest rate and tenure. Shows total interest, total amount paid and a principal-vs-interest split.
Add or remove GST from any amount at 0%, 5%, 12%, 18% or 28% slabs. Useful for quick price checks and reverse-calculating the base amount from a tax-inclusive total.
Calculate income tax under common old or new regime slab structures, including 4% health and education cess. Lets you compare what you would pay under each regime.
Project the future value of a monthly mutual-fund SIP from your monthly contribution, expected annual return and tenure. Useful for goal-based planning.
Estimate fixed-deposit maturity using principal, annual interest rate, tenure and compounding frequency. Lets you compare bank FD offers side by side.
Estimate recurring-deposit maturity from a fixed monthly instalment with monthly or quarterly compounding — common for disciplined savers.
Calculate simple interest or compound interest on any principal, with selectable compounding frequency. Useful for academic problems and comparing interest models.
Approximate in-hand monthly salary from an annual CTC by breaking it into basic, HRA, allowances and standard deductions.
Estimate the gratuity amount payable on completion of service using the formula (Last Salary × 15 × Years) / 26.
Model Public Provident Fund balance with yearly contribution, tenure up to 15 years and an editable interest rate.
A note on accuracy
The numbers produced by these calculators are estimates based on the inputs you provide and the formulas shown in each tool's "How it is calculated" section. They are intended for planning, learning and quick checks — not as legal, medical, tax or investment advice. For decisions that have real financial, legal or health consequences, please consult a qualified professional. See our disclaimer for the full statement.