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.
