Finance Calculators: EMI, Income Tax, LIC and SIP
These finance calculators answer everyday money questions in rupees and under Indian rules: the EMI on a home or car loan, income tax under the new and old regimes, what an LIC Jeevan Labh policy may pay at maturity, and how a monthly SIP in a stock could grow. Each shows the formula, so the numbers can be checked.
Choose a finance calculator
- EMI CalculatorHome, car and personal loan EMI with schedule.
- Income Tax CalculatorNew vs old regime tax for FY 2026-27.
- Jeevan Labh CalculatorLIC 836 premium and maturity estimate.
- Hindustan Copper SIP CalculatorMonthly SIP in HINDCOPPER shares.
- Hindustan Unilever SIP CalculatorMonthly SIP in HUL shares.
- Hindustan Copper Return CalculatorLump-sum return on HCL shares.
Which finance calculator to use
| Question | Calculator |
|---|---|
| What will my loan EMI be? | EMI calculator |
| How much tax will I pay, and which regime is better? | Income tax calculator |
| What will LIC Jeevan Labh pay at maturity? | Jeevan Labh calculator |
| How could a monthly SIP in a stock grow? | Hindustan Copper SIP and Hindustan Unilever SIP |
| What return did my shares give after tax? | Hindustan Copper return calculator |
Three numbers worth knowing before any money decision
- Effective interest cost: the reducing-balance rate (or APR), not a flat rate, decides what a loan really costs.
- Post-tax return: compare an FD, an LIC policy and equity after tax; the income tax and return calculators show both.
- Time: a longer loan tenure raises total interest sharply; a longer investment period raises compounding sharply. The calculators let both be tested side by side.
These calculators are for planning and education. For investment or insurance decisions, a SEBI-registered investment adviser or IRDAI-licensed adviser can look at the full picture.
Finance calculators: FAQ
Are these finance calculators free?
Yes, all of them are free, need no sign-up and calculate in the browser.
Which income tax slabs does the tax calculator use?
The slabs introduced by the Finance Act 2025, with the ₹12 lakh 87A rebate in the new regime; the page states the source and is updated when slabs change.
Do the SIP calculators predict stock returns?
No. The return is your own assumption; past returns don't guarantee future results.
Can I see a loan amortization schedule?
Yes. The EMI calculator shows principal, interest and balance year by year.