Money decisions,
made clearer.
Practical calculators for taxes, investments, loans and everyday planning in India.
Explore calculatorsTools for everyday money decisions
Choose a focused calculator, enter your details and review the estimate.
Calculations are estimates and should not be treated as financial advice.
Free financial calculators for India
Understand the number before you act on it
FinSarthi brings everyday tax, investment, deposit, loan and workplace calculations into one clear toolkit. Each calculator shows an estimate from the information you enter, while the guide below explains the assumptions that can change a real result.
Start with the decision
Choose a tool for the question you actually need to answer: monthly affordability, maturity value, tax comparison, future corpus or a supporting record. Similar-looking calculators can use very different assumptions.
Test more than one case
Rates, returns, tenure and future contributions can change. A conservative case reveals whether the plan still works when the outcome is less favourable than the headline scenario.
Verify high-stakes details
Tax law, GST classification, employment rights, scheme rates and lender charges require current source documents. FinSarthi links to official references on relevant tool pages.
A better calculator habit
Five checks before using the result
- 1Use the correct year, rate and product terms.
- 2Enter only deductions or costs that genuinely apply.
- 3Compare total cost or contribution—not just the final headline.
- 4Run a less favourable scenario and leave a buffer.
- 5Confirm the final decision with official records or qualified advice.
FinSarthi FAQs
Using the calculators with confidence
Are FinSarthi calculators free to use?
Yes. The currently listed calculators and rent receipt generator can be used without a paid account or sign-up.
Are these financial calculators made for India?
Yes. The tools focus on Indian use cases such as income-tax regimes, PPF, rupee deposits, GST, gratuity, HRA records and Indian-style loan calculations.
Does FinSarthi store the numbers I enter?
The current calculators run their calculations in the browser. Review the Privacy Policy for the current site-wide data-handling explanation.
Are calculator results guaranteed to be accurate?
No calculator can guarantee a real-world outcome. Results depend on the inputs, assumptions, formula coverage and current legal or product rules. Verify important decisions with official documents or a qualified professional.
Which calculator should I use for monthly investments?
Use the SIP Calculator for market-linked mutual fund contributions and the RD Calculator for a recurring bank or post-office deposit estimate. Their risks and return assumptions are different.
What is the difference between the SIP and Mutual Fund calculators?
The SIP Calculator focuses on recurring contributions, goal planning and step-ups. The Mutual Fund Calculator lets you compare SIP and lump-sum projections with additional cost assumptions displayed by the tool.
Can I compare the old and new income-tax regimes?
Yes. The Income Tax Calculator estimates both regimes from the salary and deduction inputs shown. Verify the applicable year and complex income in the official return utility.
Does the EMI Calculator work for home and personal loans?
Yes. You can select a supported loan type and test principal, interest rate, tenure and prepayment. Always compare the lender’s APR, fees and Key Fact Statement.
Can I generate rent receipts for HRA?
Yes. The generator creates rent receipt records from the details you enter. Use truthful payment information and obtain any acknowledgement required by your employer or tax records.
Does FinSarthi provide investment or tax advice?
No. FinSarthi provides educational calculations and explanations. It does not recommend a product, fund, tax position, loan or legal action.
Why can my bank or employer show a different result?
Institutions may use exact dates, product-specific rounding, changing rates, legal definitions, fees or internal records that a general calculator does not have. Their governing documents determine the actual amount.
How often should I revisit a financial calculation?
Recalculate whenever income, contribution, rate, tenure, law or goal changes. For long-term plans, an annual review is a useful minimum.
Private by design, useful by explanation
The current tools calculate in your browser and require no sign-up. Read how the site handles information and where each estimate stops.
Content reviewed 31 August 2026. Product rates and laws can change; official sources and governing documents take precedence.