Home Loan Affordability: How Much EMI Can I Afford?
How much home loan you can afford, using the FOIR ratio lenders actually apply — with worked examples at ₹50,000, ₹1 lakh and ₹2 lakh monthly income.
Read more →Free Financial Calculators for India
Plan taxes, investments, and loans with 35 accurate tools designed for Indian users. No signup. No fees. Just results.
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Top Financial Calculators
Quick access to our most-used tools — updated for the latest tax slabs and interest rates.
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Income Tax Calculator
Compare Old vs New Regime, factor 80C, 80D, HRA. Updated for FY 2026-27 slabs.
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SIP Calculator
Project mutual fund SIP returns with monthly contributions and compounding.
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Lumpsum Calculator
Future value of a one-time mutual fund investment over your chosen horizon.
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Mutual Fund Returns
Absolute return, CAGR, and maturity for SIP or lumpsum mutual fund investments.
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Home Loan EMI
Monthly EMI, total interest, and full amortisation for home, car, or personal loans.
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Fixed Deposit Calculator
Estimate FD maturity with quarterly compounding using current bank rates.
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In-Hand Salary Calculator
Convert CTC to monthly take-home after EPF, Professional Tax, and TDS.
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SSY Calculator
Sukanya Samriddhi Yojana maturity at 8.2% p.a. — tax-free corpus for your daughter.
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Step-Up SIP
Project mutual fund corpus with annual SIP increments of 5-20%.
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Expert guides on tax planning, investments, and savings for Indian users.
How to Compare Home Loan Rates Across Banks
Compare home loan offers properly: EBLR vs MCLR, why APR beats the advertised rate, and when a balance transfer is worth the paperwork.
Read more →Tax on ₹15 Lakh Salary FY 2026-27: Old vs New Regime
Tax on a ₹15 lakh salary: ₹97,500 under the New Regime vs ₹2,02,800 under the Old Regime with 80C and 80D — full worked calculation.
Read more →GST 2.0 Reforms 2025: Simplified Slabs (5%, 18%, 40%)
GST 2.0 replaced the four-slab structure with 5%, 18% and a 40% demerit rate from 22 September 2025 — what changed and what it means for your billing.
Read more →UPI Charges from 15 Oct 2026: 0.4% MDR, Who Pays
UPI MDR is 0.4% on merchant payments above ₹2,000 from 15 Oct 2026, capped at ₹300. P2P stays free and merchants cannot charge you.
Read more →Read the Guides
33 in-depth explainers on Indian tax, investing, loans and compliance — each with worked examples.
Browse All GuidesFrequently Asked Questions
How to calculate income tax for FY 2026-27 in India?
Use our Income Tax Calculator to compare Old vs New Regime, factor Section 80C (up to ₹1.5L), 80D for medical insurance, and HRA for rent. The tool provides a detailed breakdown of your liability.
What is a SIP and how does it work?
A Systematic Investment Plan lets you invest a fixed amount in mutual funds monthly, harnessing compounding. Our SIP Calculator estimates future returns based on contribution, expected rate, and tenure.
How to plan a fixed deposit investment?
Our FD Calculator estimates maturity and interest earned. Input principal, tenure, and compounding frequency using current rates from SBI, HDFC, and other banks.
How to calculate EMI for a loan?
Use the Home Loan EMI Calculator with loan amount, interest rate, and tenure to get monthly payment and total interest.
What are the key GST 2.0 changes from 22 Sept 2025?
GST 2.0 introduced slab rationalisation, rate reductions for essentials, and clarifications on transitional ITC treatment. Update billing systems and reconcile ITC balances.
Are MoneyMindTool calculators really free?
Yes. Every calculator is free forever, requires no signup, and works instantly in your browser. Updated for FY 2026-27.