16 free financial calculators for India
Calculators for credit cards, loans, borrowing and savings, built on standard formulas and RBI-published rules where applicable, with every assumption stated plainly. No sign-up, no lead form — every calculation runs in your browser.
Which calculator do you need?
You know the loan and want the monthly payment. Use the EMI calculator for any loan, or the home loan and personal loan versions for figures pre-set to those products.
You know your income and want to know what you can borrow. Start with the FOIR calculator, which is the ratio most Indian lenders actually apply, or the DTI calculator for a lender-agnostic view. For a property specifically, use the home loan eligibility calculator.
You have card debt and want out of it. The minimum due calculator shows what paying the minimum really costs; the payoff calculator and balance transfer calculator compare the ways out.
You have spare money and want to clear a loan early. Use the loan prepayment calculator, or the foreclosure calculator where a closure charge applies.
You are saving rather than borrowing. Compare a lump sum in the FD calculator, a fixed monthly deposit in the RD calculator, and a market-linked monthly investment in the SIP calculator.
You want the full picture in one pass, not fifteen calculators. Try the Money Leak Audit — a short questionnaire that turns your income, cards, EMIs and savings into a single Money Leak Score and prioritised fixes.
Credit & Debt
Credit Card Minimum Due Calculator
What paying only the minimum due really costs, in time and interest — and the trap behind it.
See the real cost → LiveCredit Card EMI Calculator
The real cost of converting a purchase to EMI, including processing fee and GST.
Calculate EMI cost → LiveDTI Calculator
Your debt-to-income ratio — a quick, general read on overall monthly debt burden.
Check your DTI → LiveLoan Rejection Decoder
Rejected and told nothing useful? See the likely pressure points behind it, ranked, and what to fix first.
Decode a rejection → LiveCredit Report Error Navigator
Something wrong on your credit report? See who must fix it, what to keep and which official channel to use.
Find the right route → LiveFOIR Calculator
Your Fixed Obligation to Income Ratio, additional EMI capacity and estimated loan eligibility.
Check your FOIR → LiveCredit Card Payoff Calculator
Pick a payoff date, and see the fixed monthly payment needed to actually hit it.
Plan your payoff →Loans & Borrowing
EMI Calculator
Monthly instalment, total interest and total payment for any loan amount, rate and tenure.
Calculate EMI → LiveHome Loan EMI Calculator
The same EMI maths, tuned for home loan amounts, rates and tenures up to 30 years.
Calculate EMI → LiveHome Loan Eligibility Calculator
Combines your income-based capacity with RBI's Loan-to-Value limit to estimate what you could borrow.
Check eligibility → LivePersonal Loan EMI Calculator
Unsecured loan defaults and context, so the numbers reflect what a personal loan actually looks like.
Calculate EMI → LiveLoan Prepayment Calculator
See how a lump-sum prepayment cuts your interest and tenure — or lowers your EMI instead.
Calculate savings → LivePersonal Loan Foreclosure Calculator
Net savings from closing a personal loan early, after the foreclosure charge and GST.
Check net savings → LiveBalance Transfer Calculator
Whether switching lenders for a lower rate actually pays off after fees and charges.
Check net savings → LiveBusiness Loan DSCR Calculator
Estimate your business's Debt Service Coverage Ratio before applying for a business loan.
Check your DSCR →Savings & Planning
SIP Calculator
What a monthly mutual fund SIP could grow into, split into your contributions and estimated returns.
See your SIP → LiveFD Calculator
Maturity value and interest earned on a fixed deposit, with the compounding frequency you choose.
Calculate FD → LiveRD Calculator
Maturity value on a monthly recurring deposit, using the standard quarterly-compounding formula.
Calculate RD →