Are these calculators free to use?

Yes, completely. There is no sign-up, no paywall and no app to install. Every calculation runs in your browser and nothing you enter is sent to a server or stored.

How accurate are the results?

The formulas follow standard Indian conventions: reducing-balance EMI, quarterly FD compounding, annual PPF compounding and the published income tax slabs. Market-linked projections depend on the return rate you assume and are estimates, not guarantees.

What are the ready-made calculation pages?

Pre-computed answers to common questions such as what a Rs 5,000 monthly SIP becomes in 10 years or what the EMI on a Rs 20 lakh home loan is. Each page carries a full year-by-year table so you do not have to enter anything.

Can I download the results?

Yes. The interactive calculators include a PDF export with the full breakdown, generated entirely in your browser.

All Calculators & 184 Ready-Made Calculations

Every free tool on SmartFintool, plus 184 pre-computed answers to the exact questions people ask — “₹5,000 SIP for 10 years”, “₹20 lakh home loan EMI”, “how much SIP for ₹1 crore”. No sign-up, no app, nothing stored.

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Interactive calculators

SIP Calculator

Monthly mutual fund investment growth.

SWP Calculator

Monthly income from a corpus.

Lumpsum Calculator

One-time investment growth.

Compound Interest

Any compounding frequency.

Simple Interest

Flat interest, no compounding.

EMI Calculator

Loan instalment + prepayment savings.

Income Tax Calculator

New vs old regime FY 2026-27.

PPF Calculator

Tax-free 15-year maturity at 7.1%.

FD & RD Calculator

Quarterly compounding, post-tax return.

Goal SIP Planner

Reverse-solve the SIP for a target.

Monthly SIP returns

What a fixed monthly SIP grows into over a given number of years. Open the full calculator.

Target corpus planning

How much monthly SIP a specific target corpus needs. Open the full calculator.

Loan EMI

Monthly instalment, total interest and amortisation for a given loan. Open the full calculator.

Fixed deposit returns

Quarterly-compounded FD maturity, before and after tax. Open the full calculator.

Lumpsum growth

What a one-time investment becomes over time. Open the full calculator.

PPF maturity

Tax-free PPF corpus at the end of the 15-year lock-in. Open the full calculator.

Withdrawal planning

How long a corpus lasts at a given monthly withdrawal. Open the full calculator.

Can't find your exact numbers?

Every page above is a snapshot of one scenario. The interactive calculators let you enter any amount, rate and tenure, see the full year-by-year breakdown and download a PDF — all of it computed in your browser, with nothing sent to a server.

Start with the SIP calculator