Free Financial Calculators — EMI, SIP, Tax, Loan & Investment Planning
37 calculators for every money decision — from home loan EMI and SIP returns to income tax (Old vs New regime), education loan with moratorium, PPF, NPS and retirement corpus — with year-by-year breakdowns to compare scenarios.
Used by students planning education loans, salaried professionals optimising tax, and investors charting retirement — all free, no signup, no ads in the way.
PDFCraftor offers 37 free financial calculators for loans (EMI, home, education with moratorium), investments (SIP, lumpsum, mutual fund), savings (PPF, FD, NPS), and taxes (income tax Old vs New regime, HRA, GST) — instant results, year-by-year breakdowns, and no signup needed.
- Categories: 7 Loan, 7 Investment, 7 Savings, 5 Retirement, 5 Tax, 6 Interest & Trading
- Output detail: Year-by-year schedule, total interest, maturity, tax saved
- Updated for: Current FY tax slabs, latest PPF/SSY/NSC government rates
- Privacy: Inputs processed in your browser session, nothing saved on servers
Pick the right calculator for your money decision
Every calculator is grouped by what it solves — loans, investments, savings, retirement, taxes, or interest & trading. Each gives an instant answer plus a year-by-year breakdown.
Loan & EMI Calculators7 tools
EMI Calculator
Compute monthly EMI for any loan amount, interest rate and tenure with a full amortization schedule month by month.
Home Loan
Plan home loan EMI, total interest and prepayment impact across 5 to 30 year tenures with stamp duty inputs.
Personal Loan
Calculate EMI, total interest and real cost of any personal loan offer before you sign. Compare two offers side by side.
Car Loan
Estimate EMI and total interest on a new or used car loan with down payment, tenure and processing fee options.
Education Loan
Plan EMI with moratorium period (course duration + 6 months), interest accrual and Section 80E tax benefit estimation.
Business Loan
Check EMI, cash-flow impact and repayment plan for an MSME loan or working-capital line.
Flat vs Reducing
Compare flat-rate and reducing-balance loans side by side. Reveal the hidden cost of the "simple" flat rate.
Investment Calculators7 tools
SIP Calculator
Project mutual fund returns from a monthly SIP at any expected rate, with an optional step-up percentage every year.
Lumpsum
Forecast the future value of a one-time investment over any period and expected annual return.
SWP Calculator
Plan a steady monthly withdrawal from mutual funds and see how long your corpus will last at a chosen rate.
Mutual Fund
Estimate returns on mutual fund SIP or lumpsum plans across short and long investment horizons.
CAGR Calculator
Measure the compound annual growth rate of any investment from start value, end value and number of years.
ELSS Calculator
Plan ELSS mutual fund investments and your Section 80C tax savings in one estimate. Three-year lock-in modelled.
Dividend Yield
Calculate the dividend yield of any stock from price and annual dividend per share, plus reinvestment value.
Savings & Deposit Calculators7 tools
PPF Calculator
Project PPF maturity value year by year over the standard 15-year lock-in with annual contributions.
FD Calculator
Compute fixed deposit interest and final maturity value for any tenure, bank rate and compounding frequency.
RD Calculator
Plan recurring deposits and check the monthly contribution needed to hit a target maturity amount.
SSY Calculator
Sukanya Samriddhi Yojana maturity projection for your daughter's education and marriage corpus.
NSC Calculator
National Savings Certificate maturity and interest projection for the standard 5-year period.
KVP Calculator
Kisan Vikas Patra maturity calculation showing when your money doubles at the current government rate.
POMIS Calculator
Post Office Monthly Income Scheme payout calculation for retirees seeking a steady monthly cheque.
Retirement & Pension Calculators5 tools
NPS Calculator
Plan a National Pension System corpus, annuity payout and Section 80CCD(1B) tax benefit beyond 80C.
EPF Calculator
Track Employees' Provident Fund growth till retirement with annual salary hikes and 12% contribution.
Gratuity
Calculate the gratuity payable based on your years of service and last drawn basic salary plus DA.
Retirement
Find out how much corpus you need to retire comfortably, adjusted for inflation and post-retirement expenses.
APY Calculator
Atal Pension Yojana monthly contribution and pension projection for unorganised sector workers.
Tax Calculators5 tools
Income Tax
Compare Old vs New Tax Regime liability for the current FY with all major deductions applied automatically.
HRA Calculator
Work out the tax-exempt House Rent Allowance from your salary, rent paid and city tier (metro vs non-metro).
GST Calculator
Add or remove GST at 5%, 12%, 18% or 28% rates. Switch between inclusive and exclusive amounts in one click.
Salary Calculator
Break your CTC into in-hand salary, EPF, tax, gratuity and benefits month by month with one calculation.
TDS Calculator
Estimate tax deducted at source on salary, contractor payments, rent and interest income under current sections.
Interest & Trading Calculators6 tools
Simple Interest
Quick simple interest computation on any principal, rate and time period — useful for short personal loans.
Compound Interest
See the power of compounding on long-term savings with yearly, half-yearly, quarterly or monthly compounding.
Inflation
Find the future value of money after inflation eats into it, and set realistic future goal amounts.
Brokerage
Estimate broker charges, STT, GST and net profit or loss on each equity, F&O or commodity trade.
Margin Calculator
Compute SPAN and exposure margin required for futures and options positions before placing the order.
Stock Average
Calculate the new average buy price after adding more shares of the same stock at a different price.
Which calculator should you use at each life stage?
Money decisions change with life stage. Here is a quick map from your current situation to the calculators that actually help.
| Life stage or situation | Calculators to use |
|---|---|
| Student or parent planning higher studies | Education Loan, SSY, SIP |
| Just started first job (salaried) | Salary, Income Tax, EPF, SIP |
| Planning to buy first home | Home Loan, EMI, Inflation |
| Marriage or family planning | Personal Loan, RD, SIP |
| Mid-career growth (30–45 yrs) | NPS, ELSS, Mutual Fund, HRA |
| Pre-retirement (5–10 years to go) | Retirement, Lumpsum, Gratuity |
| Retired / senior citizen | SWP, FD, POMIS |
| Running a small business / MSME | Business Loan, GST, TDS |
| Active stock or F&O trader | Brokerage, Margin, Stock Average, CAGR |
| Conservative saver who avoids market risk | PPF, FD, NSC, KVP |
Plan better, not harder
Every calculator is built around three principles: accurate formulas, instant output, and a clear breakdown so you can defend the number to a bank, CA or family member.
Formula-accurate
EMI uses the reducing-balance formula, SIP uses future value with monthly compounding, and tax slabs follow the current FY structure.
Year-by-year Output
Long-term calculators (EMI, SIP, PPF, NPS) show a complete annual schedule so you can validate the math line by line.
Always Updated
Government and RBI rate changes for PPF, NSC, SSY, and income tax slabs are applied as soon as they are announced.
Instant Results
No reload, no captcha, no “sign up to see your number” gate. Inputs update results in real time.
Exportable
Save schedules as CSV or use the print view to share with your bank, CA, advisor or spouse.
Private Inputs
Inputs run inside your browser session. PDFCraftor never stores, logs or shares the numbers you enter.
Built for every kind of money decision
From a fresh graduate calculating their first take-home salary to a retiree planning monthly withdrawals — the calculators stay simple for every level.
Salaried Professionals
Optimise tax regime, plan EPF and NPS, and decide between SIP and ELSS for 80C savings.
- Compare Old vs New Tax Regime instantly
- Project EPF and NPS retirement corpus
- Convert offer-letter CTC to in-hand salary
Students & Parents
Plan education loans with moratorium, project SSY corpus for the girl child, and start SIP early for college fees.
- Education Loan EMI with course-period moratorium
- SSY maturity for daughter’s future
- SIP for higher-education corpus
Investors
Project SIP and lumpsum returns, compute real CAGR on past investments, and plan SWP for steady income.
- SIP + step-up projection for 10-30 years
- CAGR on closed mutual fund positions
- SWP withdrawal sustainability check
Small Business & MSME
Handle GST quickly, plan business loan EMI, and compute TDS on contractor payments at the right rates.
- GST 5/12/18/28% inclusive & exclusive
- Business loan EMI for cash-flow planning
- TDS on contractor, rent and interest
Retirees & Pre-retirees
Estimate gratuity on exit, plan SWP from corpus, and pick POMIS or senior-citizen FD for monthly income.
- Final gratuity from years of service
- SWP plan over 20-30 years
- POMIS & FD income comparison
Stock & F&O Traders
Estimate brokerage and STT before placing trades, check margin requirements, and recompute averages on additions.
- Pre-trade brokerage + STT + GST estimate
- SPAN + exposure margin check
- New average price after pyramiding
Use any calculator in four steps
Every calculator follows the same simple pattern — pick, enter, read, save.
Pick a calculator
Choose from 37 calculators based on your goal — loan EMI, SIP, tax, retirement or savings.
Enter your numbers
Type loan amount, interest rate, tenure or income figures. Sliders adjust live as you change values.
Read the result
EMI, total interest, maturity value, tax saved — updates instantly along with a year-by-year schedule.
Save or share
Export the schedule as CSV or use the print view to share with your bank, CA, advisor or spouse.
Your numbers stay private
Financial calculators handle sensitive data like salary, debt and savings. Here is exactly how PDFCraftor handles those numbers.
Browser-side Processing
Every calculation runs inside your browser session. Your inputs never leave your device for the calculation itself.
No Input Logging
PDFCraftor does not log your salary, loan amount or any financial input on the server side.
Formula Transparency
Every calculator uses the standard formula used by banks, RBI and the Income Tax Department — not a black box.
Up-to-date Rates
PPF, NSC, SSY rates and tax slabs are updated whenever the government or RBI announces a change.
Math you can trust
Accurate formulas, transparent slabs, browser-side privacy — so the numbers you take to a bank or CA are the right ones.
Frequently asked questions about calculators
Answers to common questions about accuracy, updates, regimes, education loan moratorium and privacy.
Yes. All 37 financial calculators are 100% free with no signup, no charges and no usage limits. A free optional account exists only for power users who want to save scenarios.
Yes. Each calculator uses the standard mathematical formula used by banks and regulators. EMI uses the reducing-balance formula, SIP uses future value with monthly compounding, and tax calculators apply the current FY slab structure.
Yes. Rate-driven calculators (PPF, NSC, SSY, KVP, APY, income tax slabs) are updated whenever the government or RBI announces a change. You can also override the default rate with your bank's actual offer.
Yes. EMI, SIP, PPF, NPS, EPF and retirement calculators show a year-by-year schedule of interest, principal, contributions and balance — very helpful for long-term planning.
Yes. The Income Tax Calculator computes liability under both regimes side by side and recommends the one with lower tax for your income and deductions.
You enter the loan amount, interest rate, repayment tenure, and moratorium period (typically course duration plus 6 to 12 months). The calculator adds moratorium interest to the principal before computing EMI — matching how banks like SBI work.
No. Calculator inputs are processed inside your browser session only. PDFCraftor does not save, log or share the numbers you enter, even for analytics.
Yes. Every calculator is fully responsive and works smoothly on Android and iOS browsers with touch-friendly sliders and number pads.
Yes. Most calculators support CSV export of the schedule and a print-friendly summary so you can save the result or take it to a bank, CA or advisor.
Explore PDF and image tools too
PDFCraftor also includes 12 PDF tools and 9 image editing tools — all free, all in one place.
PDF Tools
Convert PDF to Word, merge, split, compress, edit, watermark and password-protect PDFs — with built-in OCR for scanned files.
Explore PDF toolsImage Tools
Crop, resize, compress, convert and upscale photos. Edit JPG, PNG, WebP, HEIC and more — all browser-based with no quality loss.
Explore image toolsStart with the calculator you need most
EMI, SIP, education loan with moratorium, or income tax — get an instant accurate number in seconds.