Featured Financial Guides
Deep dives into the strategies that actually build wealth.
The Ultimate Guide to FIRE in India
Calculate the exact corpus you need to retire early. We break down the 4% rule, safe withdrawal rates, and inflation adjustments.
Debt ManagementHome Loan Prepayment vs SIP
Solve the ultimate financial debate. Should you prepay your 8.5% home loan or invest in a 12% mutual fund SIP? We do the exact math.
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Find precision calculators organized by financial domain.
Income Tax & Slabs
60 Tools • New/Old, 87A, 80C
Salary & Allowances
22 Tools • In-Hand, CTC, HRA
Govt Schemes & Savings
26 Tools • PPF, NPS, SSY, FD
Stocks & Mutual Funds
48 Tools • SIP, CAGR, XIRR
Options & Trading
23 Tools • Greeks, Position Size
Loans & Credit
35 Tools • Home EMI, Prepay
Business & GST
36 Tools • DCF, WACC, GST
Real Estate & Property
15 Tools • Stamp Duty, Yield
Retirement & Goals
26 Tools • FIRE, Child Goal
EV & Green Energy
7 Tools • EV vs Petrol, Solar
Personal Finance
15 Tools • 50/30/20, Net Worth
Master Directory
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Popular Financial Calculators ⭐
Our most-used professional tools for precision financial planning.
SIP Calculator
Estimate future wealth gains from systematic mutual fund investments.
Income Tax Calculator
Compare New vs Old Tax Regimes, Section 87A rebate and slab taxes for FY 2026-27.
In-Hand Salary Calculator
Calculate monthly take-home pay after EPF, Professional Tax, and Income Tax deductions.
Home Loan EMI Calculator
Plan housing repayments with exact monthly EMI, amortization, and total interest split.
Step-Up SIP Calculator
Calculate how an annual 5% to 15% top-up accelerates wealth creation to ₹1 Crore+.
PPF Calculator
Calculate Public Provident Fund maturity amount, tax-free interest, and 15-year corpus.
GST Calculator
Calculate inclusive and exclusive GST amounts for 5%, 12%, 18%, 28% slabs.
DCF Stock Valuation
Discounted Cash Flow intrinsic share price model with Margin of Safety.
CAGR Calculator
Determine the Compounded Annual Growth Rate of any investment or revenue metric.
FIRE Calculator
Calculate Lean, Fat, or Coast FIRE corpus using the 25x/30x rule and inflation.
Stamp Duty & Registration
Calculate state-wise stamp duty, registration charges, and cess for Indian states.
50/30/20 Budget Planner
Split net salary into 50% Needs, 30% Wants, and 20% Savings automatically.
Frequently Asked Questions
Everything you need to know about our calculators, verification methodology, and Indian financial rules.
What is ArthCalculator and how are the financial tools verified? ▾
ArthCalculator is an independent financial education platform providing 300+ free online calculators across Income Tax, Mutual Funds, Loans, Real Estate, Trading, and Retirement planning.
Every tool is developed with strict mathematical engineering and audited against official regulatory standards, including Central Board of Direct Taxes (CBDT) notifications, Reserve Bank of India (RBI) lending rules, and standard actuarial mathematics.
Are ArthCalculator tools free to use, and do you store personal data? ▾
100% Free Forever. There are no subscription fees, premium tiers, or hidden paywalls. Furthermore, no login or registration is required. All mathematical computations run directly in your web browser (client-side), meaning your salary, loans, and investment amounts are never stored or tracked on our servers.
How does the SIP Calculator compute future mutual fund returns? ▾
Our SIP Calculator applies the compound interest annuity formula:
Where P is your monthly installment, i is the monthly periodic return, and n is the number of months. You can also model annual top-ups using our Step-Up SIP Calculator.
How can I compare Old vs New Tax Regime for FY 2026-27? ▾
You can use our dedicated Income Tax Calculator and Tax Regime Breakeven Tool.
The calculator compares the New Tax Regime (with ₹75,000 standard deduction and Section 87A full rebate up to ₹12 Lakhs taxable income) against the Old Tax Regime with Chapter VI-A deductions (Section 80C, 80D, 80CCD, HRA exemptions) to show exactly which regime saves you more money.
How does an EMI calculator work for Home, Car, and Personal loans? ▾
Our Home Loan EMI Calculator uses the banking standard reducing balance method formula:
It generates your exact monthly repayment, interest vs principal breakdown, and a full monthly/annual amortization schedule.
What is the difference between In-Hand Salary and CTC? ▾
CTC (Cost to Company) is the complete expense a company incurs to employ you (basic pay, HRA, employer EPF, gratuity, and medical insurance). In-Hand Salary is the net amount deposited in your bank account after mandatory salary deductions like Employee EPF (12%), Professional Tax, and Income Tax (TDS). Calculate your take-home pay instantly using our In-Hand Salary Calculator.
What is the difference between CAGR and XIRR for calculating returns? ▾
CAGR (Compounded Annual Growth Rate) measures annualized point-to-point return for a single one-time lumpsum investment. XIRR (Extended Internal Rate of Return) computes annualized returns when there are multiple periodic cash flows at irregular dates (such as monthly SIP installments and periodic partial withdrawals).
Are the calculators updated for the latest Union Budget and tax rules? ▾
Yes. All 300+ tools are actively maintained and updated for Financial Year 2026-27 (Assessment Year 2027-28), incorporating latest Union Budget revisions, updated tax rebates, standard deduction revisions, and RBI repo rate linked loan amortization formulas.
Why Trust ArthCalculator?
Formulas Audited by Professionals • India-Specific Tax Slabs • Updated for FY 2026-27
100% Free Forever
No Hidden Fees
No Login Required
Zero Data Stored
Verified Formulas
Official CBDT & RBI Rules
Built for India
Union Budget 2026
Quick Directory Links
Calculators updated for FY 2026-27 & Union Budget amendments