Financial planning utilities

Free Finance Calculators

Compare investment growth, loan repayments, tax estimates, savings goals and retirement scenarios. Each calculator explains its assumptions and limitations so the result can be used as a planning check rather than treated as a guaranteed outcome.

Clear result breakdowns

Review the main estimate together with supporting totals such as contributions, interest, repayment cost or projected gain.

Formulas and assumptions

Understand what the calculator includes, what it simplifies and which external fees, rules or market conditions still require verification.

Scenario comparison

Change one value at a time to compare rates, durations, contributions and other assumptions before taking the next step.

Choose a finance calculator

Start with the decision you are trying to make. Loan tools focus on affordability and repayment cost, investment tools model contributions and assumed returns, while tax and savings tools provide preliminary planning estimates.

SIP Calculator

Estimate the future value of regular monthly investments using the contribution, duration and expected annual return.

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Step-Up SIP Calculator

Project how a monthly SIP may grow when the contribution increases by a selected percentage each year.

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Lumpsum Investment Calculator

Estimate the future value and potential gain from a one-time investment using an assumed annual return and duration.

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SWP Calculator

Estimate how long an investment may support scheduled withdrawals while accounting for an expected rate of return.

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Mutual Fund Returns Calculator

Compare invested amount with estimated final value for lump-sum or recurring mutual-fund investment scenarios.

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CAGR Calculator

Measure the annualized growth rate between a starting value and ending value over a selected number of years.

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ROI Calculator

Compare investment gain or loss with the original cost to calculate return on investment as a percentage.

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EMI Calculator

Calculate monthly loan instalments, total interest and total repayment from principal, rate and tenure.

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Home Loan EMI Calculator

Estimate housing-loan EMI, total interest and repayment cost while comparing loan amount, rate and tenure scenarios.

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Car Loan EMI Calculator

Estimate vehicle-loan instalments and total borrowing cost after entering the financed amount, rate and repayment period.

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Personal Loan EMI Calculator

Calculate the likely monthly instalment and total interest for an unsecured personal loan before comparing offers.

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Loan Eligibility Calculator

Estimate a practical borrowing range from monthly income, existing obligations, interest rate and repayment tenure.

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Loan Prepayment Calculator

Estimate how an additional loan payment may reduce outstanding principal, future interest or remaining tenure.

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GST Calculator

Add or remove GST from an amount and view the tax component for invoices, quotations and price checks.

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Income Tax Calculator

Create a preliminary tax estimate from taxable income and supported assumptions before checking current official rules.

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HRA Calculator

Estimate eligible house rent allowance exemption using salary, rent paid and metro or non-metro location rules.

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Gratuity Calculator

Estimate gratuity from last drawn eligible salary and completed years of service using the calculator's stated formula.

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FD Calculator

Estimate fixed-deposit maturity value and interest earned from deposit amount, rate and investment period.

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RD Calculator

Estimate recurring-deposit maturity value from monthly contribution, interest rate and deposit duration.

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Compound Interest Calculator

Calculate how principal may grow when interest is added repeatedly at the selected rate and compounding frequency.

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Loan Calculator

Estimate loan instalments, total interest and repayment cost before comparing borrowing options.

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PPF Calculator

Project Public Provident Fund contributions, yearly interest and maturity value across the selected investment period.

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EPF Calculator

Estimate employee and employer provident-fund contributions and the projected retirement balance over time.

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NPS Calculator

Project National Pension System corpus and estimated pension income from contributions, return and annuity assumptions.

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Retirement Calculator

Estimate the retirement corpus required from current savings, future expenses, inflation and expected investment returns.

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Inflation Calculator

Compare present and future purchasing power by applying an annual inflation rate over a selected period.

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Savings Calculator

Estimate how regular deposits and compound returns can grow toward a savings target over time.

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Stock Average Calculator

Calculate the average purchase price after buying the same stock at different prices and quantities.

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Brokerage Calculator

Estimate brokerage, taxes and transaction charges to understand the likely net result of a trade.

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Education Loan Calculator

Estimate education-loan instalments, total interest and repayment cost from loan amount, rate and tenure.

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Home Affordability Calculator

Estimate an affordable home budget from income, existing obligations, down payment and expected loan terms.

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Capital Gains Calculator

Estimate taxable investment gains by comparing purchase value, sale value, expenses and holding period.

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Tax Saving Calculator

Compare eligible deductions and investments to estimate how much taxable income may be reduced.

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ELSS Calculator

Project the potential value of ELSS investments from contribution amount, duration and expected annual return.

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NSC Calculator

Estimate National Savings Certificate maturity value and yearly accrued interest for the selected term.

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Sukanya Samriddhi Calculator

Project Sukanya Samriddhi contributions, interest growth and maturity value for long-term education planning.

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Credit Card EMI Calculator

Estimate monthly instalments and total interest when converting a credit-card purchase into EMI.

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Salary Hike Calculator

Calculate revised salary, absolute increase and percentage hike when comparing compensation offers.

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Net Worth Calculator

Calculate personal net worth by subtracting liabilities from cash, investments, property and other assets.

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How to use an estimate responsibly

1. Verify the input basis. Confirm whether values should be monthly or annual, tax-inclusive or tax-exclusive, and whether a rate is fixed, assumed or current.
2. Compare more than one scenario. Test conservative and optimistic assumptions rather than depending on a single precise-looking result.
3. Review exclusions. Provider fees, taxes, insurance, penalties, market volatility and changing regulations may not be included.
4. Confirm material decisions. Reconcile important results with current official documents and qualified advice where appropriate.

Important limitation

Finance calculations can be mathematically correct while still differing from a real product or legal outcome. Lenders, investment providers, employers and tax authorities may use different compounding, rounding, eligibility, timing and fee rules. Treat every result as an educational estimate unless the relevant provider or authority confirms it.

Finance calculator FAQ

Are FormatForge finance calculators free to use?

Yes. The calculators can be used without creating an account. Each result should still be checked against current lender, provider, employer or official documents before a major decision.

Are calculator results guaranteed?

No. Results are estimates based on the values and assumptions entered. Rates, fees, taxes, market returns, rounding methods and product rules can change the real outcome.

Which calculator should I use for a loan?

Use an EMI calculator for scheduled monthly payments, a loan eligibility calculator for an indicative borrowing range and a prepayment calculator to explore possible interest or tenure savings.

Can these calculators replace professional financial advice?

No. They are educational planning tools. Complex tax, investment, retirement or borrowing decisions may require current official guidance and advice from an appropriately qualified professional.