Free Finance Tools
India's Best Free Calculators
Type any value you want — instant results. EMI, SIP, FD and PPF calculators. No login, no ads, forever free.
Frequently Asked Questions
How accurate are these calculators? +
Our calculators use standard financial formulas. EMI uses reducing balance formula, SIP uses compound interest, FD uses compound interest with your chosen frequency, and PPF uses the official government calculation method. Results are highly accurate for planning purposes.
Can I type any value I want? +
Yes! You can type any value directly in the input box or use the slider. Both the text input and slider are fully synced — change one and the other updates instantly. You can enter values beyond the slider range by typing directly in the box.
What is the current PPF interest rate in 2026? +
The PPF interest rate for Q1 2026 is 7.1% per annum. The Government of India reviews PPF rates quarterly. Maximum investment is ₹1.5 lakh per year. PPF has EEE tax status — all three stages (investment, interest, maturity) are tax-exempt.
SIP or FD — which gives better returns for 5 years? +
For a 5-year horizon, SIP in a good equity mutual fund typically outperforms FD significantly. Historical data shows equity SIPs delivering 12–15% vs FD's 7–8%. However, SIP carries market risk while FD is guaranteed. If you cannot afford temporary negative returns, choose FD.
Is there a tax benefit on home loan EMI? +
Yes! Section 80C: up to ₹1.5L deduction on principal repayment. Section 24(b): up to ₹2L on interest for self-occupied property. First-time buyers: additional ₹1.5L under Section 80EEA. These are available only under the old tax regime.