EMI, SIP, Tax & Investment Calculators

EMI Calculator, SIP Calculator, Home Loan Calculator, Income Tax Calculator, GST Calculator, PPF Calculator, Retirement Calculator and more — built for Indian rules.

The maths behind it EMI Calculator

Reducing-balance formula used by every RBI-regulated lender.
Most popular EMI Calculator Rent vs Buy Calculator SIP Calculator Income Tax Calculator Salary Calculator GST Calculator Capital Gains Tax Calculator Compound Interest Calculator Life Insurance Calculator

No calculators match "".
Here's the closest match:

Nothing leaves your browser

Every calculation runs on your device. Numbers are never sent to or stored on our servers.

Built on standard formulas

Tax slabs, PPF and SSY rates follow the figures published by the relevant Indian authorities.

Built for the phone in your hand

Every tool is mobile-first, so the numbers are just as easy to check on the train as at a desk.

Not sure where to start?

Open the EMI Calculator for loans, or the SIP Calculator to plan an investment.

Pick a calculator above

Plain numbers for real decisions

Loan EMIs, SIP projections, tax regimes — the maths behind a financial decision is rarely explained clearly. ClariMoney's calculators cover loans, investments, tax and retirement planning, each producing an India-specific result the moment you enter your numbers.

Each tool covers one decision in depth rather than approximating several. The EMI Calculator breaks a loan into a year-by-year amortisation view; the SIP Calculator models step-up contributions; the Income Tax Calculator compares the old and new regimes side by side using the applicable slabs set by the CBDT.

Calculators across four categories

Loan calculators

EMI, Home Loan, Car Loan and Personal Loan calculators show your monthly payment, total interest, and how prepayments shorten your tenure — using the same method RBI-regulated lenders use. If you're comparing a home purchase, pair the Home Loan Calculator with the Inflation Calculator below for real long-term cost.

Investment calculators

SIP, Lumpsum, Step-Up SIP, FD, RD, PPF and Sukanya Samriddhi calculators project how regular or one-time contributions compound over time. Already running a SIP? The Lumpsum Calculator shows how a bonus or windfall would grow alongside it.

Tax & savings calculators

Income Tax, GST and HRA calculators work out what you owe under CBDT and GST Council rules, and what you can legally claim back.

Retirement & planning calculators

Retirement, NPS, SWP and Inflation calculators help size the corpus you'll need — following EPFO and NPS Trust rules — and how to draw it down once you're there. A common path is Retirement → SIP or NPS to build the corpus → SWP to plan the withdrawal.

Methodology & formula transparency

Every calculator on this page is built on a named, published formula — never a black box. Four of the most-used ones are shown below exactly as the calculators apply them.

Loan EMI
EMI = P × r × (1+r)n ÷ ((1+r)n − 1)

P = principal, r = monthly interest rate, n = number of instalments. The same reducing-balance formula RBI-regulated lenders use.

SIP Future Value
FV = P × (((1+i)n − 1) ÷ i) × (1+i)

P = monthly instalment, i = monthly return rate, n = number of months. Step-up SIPs apply this month by month, not as one estimate.

Compound Interest (FD / RD / PPF)
A = P × (1 + r ÷ n)n×t

P = principal, r = annual rate, n = compounding frequency, t = years. PPF compounds annually at the rate notified by the National Savings Institute.

Real (Inflation-Adjusted) Return
Real Rate = ((1+r) ÷ (1+i)) − 1

r = nominal return, i = inflation rate. Used by the Retirement and Inflation calculators to show what a corpus is actually worth.

The Income Tax Calculator applies the official slab structure for both regimes for the relevant financial year. All inputs and outputs are processed client-side in your browser. Rates and slabs are revisited and updated when RBI, CBDT, GST Council, or EPFO/NSI notifications change them.

Built and maintained by ClariMoney — every formula is checked against publicly documented, standard financial calculations before it's published.

Spotted a figure that looks off? Let us know and we'll take a look.

Connecting the full picture

Most financial decisions involve more than one calculator. Buying a home usually means comparing the Home Loan Calculator against the Inflation Calculator to judge real long-term affordability. Planning retirement typically starts with the Retirement Calculator to size the target corpus, then the SIP or NPS Calculator to work out the monthly contribution needed to reach it, and later the SWP Calculator to plan a withdrawal schedule.

Tax planning works the same way: the Income Tax Calculator identifies which regime suits you, while the HRA Calculator and PPF Calculator quantify specific deductions available under the old regime. Used together, these tools turn a single number into a coherent plan.

Frequently asked questions

Which financial calculators does ClariMoney offer?

Calculators organised across four categories: loan calculators (EMI, Home Loan, Car Loan, Personal Loan), investment calculators (SIP, Lumpsum, FD, RD, PPF), tax calculators (Income Tax, GST, HRA), and retirement calculators (Retirement, NPS, SWP, Inflation).

Which formulas do the loan calculators use?

The standard reducing-balance EMI formula — the same method used by RBI-regulated lenders. See the methodology section above for the exact formula.

Is my data saved when I use a calculator?

No. Calculations run in your browser only; nothing you enter is transmitted to or stored on ClariMoney servers.

How current are the tax and interest rates used?

Calculators are revisited and updated after Union Budget announcements and whenever the RBI, EPFO or other regulators revise applicable rates.

Can these results replace advice from a financial advisor?

No. Results are indicative estimates for planning purposes. Confirm final figures with your bank, employer, or a certified financial advisor before acting on them.

Do the calculators work on mobile devices?

Yes — every calculator is built mobile-first and is fully usable on phones, tablets, and desktops.

Accuracy statement

Disclaimer: ClariMoney calculators produce estimates based on standard financial formulas and the inputs you provide. They do not account for lender-specific fees, individual eligibility, or every provision of tax law, and should not be treated as financial, tax, or legal advice. Always verify final figures with your bank, employer, or a qualified financial advisor before making a decision.