Free for Everyone

Free Financial Tools
Built for India

17 free calculators covering EMI, SIP, tax, retirement, PPF, NPS and more — no login, no spam, no cost. Just open and use.

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17
Free Calculators
 
₹0
Cost to Use
 
0
Logins Required
 
0
Data Stored
Most Requested Tool
💼 Salary Breakup Calculator
Enter your CTC and get a complete in-hand salary breakdown — Basic, HRA, PF, TDS, Gratuity, and a printable payslip. Newly launched.
Try Calculator →
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Loans & EMI

Plan your borrowing — home loan, car loan, personal loan

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Most Used
EMI Calculator
Calculate your exact monthly installment for any loan. See full amortization schedule and interest breakup chart.
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✅
Loan Eligibility
Check how much home loan, personal loan or car loan you’re eligible for based on your monthly income.
Open Calculator
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Investing & Savings

Grow your wealth — SIP returns, fixed deposits

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SIP Calculator
See how your monthly SIP investments grow over time with compounding. Plan your mutual fund wealth.
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FD Calculator
Calculate your Fixed Deposit maturity amount and interest earned. Supports quarterly, monthly and yearly compounding.
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New
PPF Calculator
Calculate your PPF maturity amount and total interest over 15 years. Plan your Public Provident Fund investment.
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New
RD Calculator
Calculate Recurring Deposit maturity amount and interest earned. Compare returns across tenures and interest rates.
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New
NPS Calculator
Calculate your NPS maturity corpus, monthly pension and tax savings under Section 80CCD.
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New
SSY Calculator
Calculate Sukanya Samriddhi Yojana maturity amount and returns. Plan your daughter’s financial future.
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Financial Planning

Plan your future — retirement, savings goals, milestones

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Retirement Planner
Calculate exactly how much retirement corpus you need and what monthly SIP will get you there, with inflation adjustment.
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Saving Goal Planner
Set a goal — vacation, car, house down payment — and find out exactly how much to save each month to get there.
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Salary & Tax

Understand your pay and taxes clearly

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New
Salary Breakup Calculator
Enter CTC, get a full in-hand salary breakdown with Basic, HRA, PF, TDS and a printable payslip.
Open Calculator
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Tax Calculators

Plan your taxes, save more, stay compliant

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New
Income Tax Calculator
Calculate your income tax for FY 2025-26. Supports old & new regime with all deductions under 80C, HRA and NPS.
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New
HRA Exemption Calculator
Find out exactly how much HRA is tax-free based on your salary, rent paid and city. Instant HRA exemption calculation.
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GST Calculator
Add or remove GST from any amount instantly across all tax slabs — 5%, 12%, 18% and 28%.
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New
Section 44ADA Calculator
Calculate presumptive income tax for freelancers and professionals. Find your taxable income and liability in seconds.
Open Calculator
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Credit Card & Credit Score

Understand your credit health and card costs

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Credit Card Interest
See exactly how much interest you’re paying on credit card dues and how long it takes to pay off.
Open Calculator
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No PAN
Credit Health Estimator
Estimate your credit score range for free — no PAN or Aadhaar needed. Self-assessment in 2 minutes.
Open Calculator
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Frequently Asked Questions

Everything you need to know about ThriftRupee’s free financial tools

Are these calculators really free?

Yes, 100% free — always. No login, no subscription, no hidden charges. Just open and use any calculator directly in your browser.

Do you store my financial data?

Never. All calculations happen entirely in your browser. We don’t collect, store or transmit any of the numbers you enter.

How accurate are the results?

Our calculators use standard Indian banking formulas. Results are highly accurate for planning but always verify with your bank for final figures.

Can I use these on mobile?

Absolutely. Every calculator is fully responsive and works perfectly on mobile, tablet and desktop without any app download.

Which calculator should I start with?

If you’re salaried, start with the Salary Breakup or Income Tax Calculator. For investors, try PPF, SIP or NPS. For loans, the EMI Calculator is the best starting point.

Will you add more calculators?

Yes! We’re working on a Budget Planner, Financial Health Score, and Loan Comparison tool. We recently added 7 new calculators — check back for more.

Ready to Take Control of Your Money?

Pick any calculator above and get started — free, instant, no login.

🏦 Start with EMI Calculator Compare Credit Cards