Investment calculators
Estimate SIP, step-up SIP, lumpsum and CAGR scenarios using clear assumptions and easy-to-read results.
Built for Indian money decisions
Your money. Your numbers. Made simple.
Free financial calculators for SIPs, EMIs, savings, salary and more — designed for everyday Indian users.
Instant calculationsTransparent assumptionsMobile friendly
Loan calculators
Compare EMI, home-loan and prepayment scenarios to understand principal, interest and repayment costs.
Savings & tax tools
Explore FD, RD, PPF, salary and income-tax estimates with assumptions clearly shown on every page.
EXPLORE TOOLS
Everything you need to plan your money
Start with a calculation, understand the result, and explore related tools.
Investments
Loans
Savings
ABOUT TOOLMONEY
Financial calculations explained in plain language
ToolMoney is a free, India-focused collection of financial calculators and educational guides. The purpose is simple: help you understand the numbers behind common money decisions before you act on them. Instead of presenting a single result without context, our tools show the inputs, assumptions and important figures that influence the calculation.
You can use ToolMoney to explore different scenarios for investing, borrowing, saving, salary and tax planning. Change one assumption at a time and compare the result. This makes it easier to see how monthly contributions, investment periods, interest rates, loan tenure or other inputs can change an estimate.
How our calculators are designed
Each calculator starts with a defined calculation method and clearly labelled inputs. Results are presented as estimates based on the values you enter. Where a result depends on an assumption, such as an expected investment return, the assumption is shown rather than hidden. This helps you understand what the number means and what it does not mean.
Our calculators are intended for education and planning. They are not a promise of future investment returns, a loan approval, a guaranteed tax liability or a substitute for documents issued by a bank, employer, government department or financial institution.
A better way to use a calculator
Start with a realistic input rather than the result you hope to see. Then test a lower and higher scenario. For example, when exploring an investment projection, compare different monthly amounts and time periods. For a loan, compare tenure and interest assumptions and look at total repayment, not only the monthly EMI.
After calculating, read the matching ToolMoney guide. The guide explains the formula, gives examples and points out common limitations so that you can interpret the result correctly.
EXPLORE THE TOOLS
Choose a calculator based on the question you are trying to answer
Different financial questions require different calculations. The short descriptions below can help you choose the right starting point.
SIP Calculator
Estimate the future value of regular monthly investments using your contribution, time period and assumed annual return.
Step-Up SIP Calculator
Explore a SIP where the monthly contribution increases periodically. Useful for comparing a flat contribution with a growing investment amount.
Lumpsum Calculator
Project how a one-time investment could grow under an assumed annual rate over a chosen period.
CAGR Calculator
Calculate the compound annual growth rate between a starting value and ending value over a specified number of years.
EMI Calculator
Estimate the monthly instalment and total repayment for a reducing-balance loan using principal, interest rate and tenure.
Home Loan EMI Calculator
Explore home-loan EMI, total interest and repayment scenarios and understand how loan amount, rate and tenure affect the estimate.
Loan Prepayment Calculator
Compare the effect of making an additional loan payment on the remaining repayment schedule and interest cost.
FD Calculator
Estimate maturity value and interest from a fixed deposit using the deposit amount, rate, tenure and applicable compounding assumption.
RD Calculator
Estimate the maturity value of recurring monthly deposits using the contribution, interest rate and deposit period.
PPF Calculator
Explore a long-term PPF projection using contributions and an assumed rate. Check current official rules separately because government schemes can change.
CTC to In-Hand Calculator
Break down an indicative salary estimate from CTC by considering common salary components and deductions.
Income Tax Calculator
Use an estimate to understand how income, deductions and the selected tax assumptions can affect an indicative tax calculation.
UNDERSTAND BEFORE YOU DECIDE
Why the number on a calculator is only the beginning
A financial calculation is useful because it turns assumptions into a number that can be compared. It is not useful when the assumptions are ignored. An investment projection can change when the assumed return, contribution or time period changes. A loan estimate can change when the interest rate, tenure, fees or repayment structure changes. A salary estimate can differ from an actual payslip because employers use different compensation structures and deductions. A tax estimate can depend on the applicable financial year, income details and current rules.
For that reason, ToolMoney encourages scenario-based planning. Calculate a base case, then change one input and calculate again. Look at the difference. This approach helps you understand sensitivity instead of treating one projected number as certain.
For products, rates and government schemes, always confirm the current terms with the relevant bank, financial institution or official government source before making a decision. ToolMoney provides calculators and educational information; it does not guarantee returns, approve loans or provide personalised financial, tax or legal advice.
MONEY GUIDES
Learn the calculation before using the result
ToolMoney guides are written to answer the questions people commonly have after opening a calculator: What does this number mean? Which formula is being used? What assumptions are involved? What mistakes should I avoid? Start with a calculator for the numbers, then use the related guide for the context.
SIP calculation guide →Step-Up SIP guide →Lumpsum guide →CAGR guide →EMI guide →Home-loan guide →Loan prepayment guide →FD guide →RD guide →PPF guide →Salary guide →Income-tax guide →
Browse all money guides Frequently asked questions about ToolMoney
Are ToolMoney calculators free?
Yes. The calculators are designed as free educational tools for people who want to explore financial numbers without building spreadsheets from scratch.
Are calculator results guaranteed?
No. Results are estimates based on the inputs and assumptions used. Investment returns, interest rates, taxes, fees and product terms can change.
Should I use one calculation before making a decision?
It is better to compare scenarios. Test different amounts, rates and time periods where relevant, and verify actual product terms with the responsible institution.
Does ToolMoney provide financial advice?
ToolMoney provides calculators and general educational information. It does not provide personalised investment, tax, legal or loan approval advice.
OUR APPROACH
Clear calculations, transparent assumptions and useful context
We aim to keep financial information understandable without hiding the details that matter. Every tool should make it clear what you entered, what the calculation estimates and which assumptions can affect the outcome. When rules or product terms can change, readers should verify the latest information from the appropriate official or financial institution source.
If you find an error in a calculation or explanation, please contact us with the page URL and the issue you found. We can investigate the calculation and correct factual or technical errors when necessary. For more information about how ToolMoney creates and maintains its content, visit our Editorial Policy.
BUILT FOR CLARITY
Calculate first. Understand second. Plan better.
Every calculator is designed to show the important numbers clearly, with assumptions and explanations instead of confusing spreadsheets.
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