Free financial calculators for Indian investors

    Sixteen calculators for SIPs, taxes, loans, retirement and protection. Each one shows its formula, a worked example in rupees and the assumptions behind the number — free, no sign-up, in English and Hindi.

    Investing & SIPs

    SIP Calculator

    Estimate what a monthly SIP, a lumpsum or both could grow to at an assumed rate of return.

    Step-up SIP Calculator

    See how raising your SIP a little every year changes the final amount.

    SIP vs RD Calculator

    Compare a mutual fund SIP with a recurring deposit, side by side and after tax.

    SIP Delay Cost Calculator

    Put a rupee value on waiting: what a few years' delay costs your corpus.

    Goal SIP Calculator

    Work out the monthly SIP a specific target amount needs.

    Goal Calculator

    Inflate any goal to its target year, grow existing savings and solve for the SIP.

    Risk Profiler

    Eight questions, a risk profile and an indicative debt–equity–gold split.

    Tax & salary

    Income Tax Calculator

    Compare your tax under the old and new regimes for FY 2026-27.

    HRA Calculator

    The least-of-three HRA exemption with the FY 2026-27 metro list. Old regime only.

    Gratuity Calculator

    Payment of Gratuity Act formula, the five-year rule and the ₹20 lakh exemption.

    NPS Calculator

    Project an NPS corpus, the lump sum and annuity split, and the tax benefit.

    PPF Calculator

    15-year PPF maturity at the current notified rate, with year-by-year balances.

    Loans & protection

    EMI Calculator

    EMI, total interest and a year-wise split for home, car, personal and education loans.

    Health Insurance Calculator

    An indicative health cover from city tier, age, health conditions and family size.

    Term Insurance Calculator

    Needs-based term cover: expenses to retirement, loans and goals, less existing cover.

    Put it all together

    Goals & Cash-flow Calculator

    A free self-service calculator for cash flow, goals and protection, with a summary you can save.

    Why these calculators are different

    Every calculator here states the formula it uses, labels each rate as an assumption, and links to the Learn chapter that explains the idea behind it. Nothing names a scheme or promises a return. Two Plus Two Nine is an AMFI-registered Mutual Fund Distributor (ARN-171746), not a SEBI-registered Investment Adviser; these tools are for illustration and education, not investment or tax advice.

    Ready to Start Your Investment Journey?

    Ashok Kumar Saini (ARN-171746) will help you complete KYC, open your account and set up SIPs on the FundzBazar platform of Prudent Corporate. Start with as little as ₹500 per month.

    Available on Mobile & Web
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    Free Account Opening
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    Distributor guidance included