Free Financial Calculators for India — Built to Be Accurate, Not Just Simple

Invest Know is a growing library of 18+ free calculators for SIPs, government savings schemes, retirement and pension, insurance, stock trading, salary, gold, and financial planning — each one built on the real rules behind the product, not a shortcut formula. No signup. No data collection. Available in English and Hindi.

Browse All Calculators Full Calculator Directory

18+

Calculators

9

Hindi Versions

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Find Your Calculator

SIP & Mutual Fund Calculators

Plan, project, and withdraw from your equity and crypto investments using real XIRR, inflation, and historical-return math.

Government Savings Scheme Calculators

Guaranteed, government-backed schemes — PPF, Sukanya Samriddhi Yojana, and Kisan Vikas Patra — modelled on their real, official rules.

Retirement & Pension Calculators

Compare pension schemes, project your National Pension System corpus against the new Unified Pension Scheme, and calculate guaranteed annuity payouts — all benchmarked against real PFRDA, Finance Ministry, and IRDAI rules.

Insurance Calculators

LIC endowment and term insurance products, modelled on real published sample rates and bonus rules.

Stock Market & Trading Calculators

Real costs and averages for equity traders — beyond the simplified numbers most tools show.

Salary & Payroll Calculator

See your real take-home pay after PF, gratuity, professional tax, and income tax.

Gold & Precious Metal Calculator

Test gold's real, historical performance against inflation before treating it as a hedge.

Financial Planning Calculators

Step back from any single product and plan the fundamentals — how much safety cushion you need, and what a past investment would be worth today.

Why Use Invest Know

How We Build and Verify Our Calculators

Every calculator on Invest Know goes through the same process before publishing: we research the actual official rule — from India Post's PPF interest rules to SEBI's F&O charge structure to the current income tax slabs — rather than assuming a simplified version is close enough. Each formula is independently verified against known reference figures before it goes live, and every calculator is tested across desktop, tablet, and mobile screens to make sure nothing breaks or overflows on a small screen. Rates and rules that change — PPF and SSY interest, income tax slabs, EPF wage ceilings, broker pricing — are revisited and updated rather than left stale. Where a topic touches SEBI, RBI, IRDAI, PFRDA, or Ministry of Finance rules, we state the correct regulator explicitly rather than guessing, since getting this wrong on a financial website can mislead readers on something that matters (YMYL — Your Money or Your Life — content).

Who Invest Know Is For

Whether you're a first-time investor deciding between a SIP and a PPF account, a parent planning a Sukanya Samriddhi Yojana account for your daughter, a government or private employee comparing NPS against the Unified Pension Scheme, a salaried employee trying to understand why your in-hand salary is lower than your CTC, or a trader comparing brokerage across platforms before opening an account — Invest Know is built to answer that specific question quickly, in plain language, without requiring you to read a 20-page product brochure first. Our guides are written in simple, direct English and Hindi, aimed at explaining not just "the number" but why it comes out that way.

How to Choose the Right Calculator

If you're not sure where to start, think in terms of your goal rather than the product name. Saving for a long-term, tax-free goal with government backing points you toward the PPF Calculator or, for a daughter specifically, the Sukanya Samriddhi Yojana Calculator. Building wealth through the market over 10-20 years is what the SIP Calculator and Reverse CAGR Calculator are for — the second one is especially useful when you already know your target amount and need to work backward to the return or monthly investment required. Already retired or drawing down a corpus? The SWP Calculator models a sustainable withdrawal rate against inflation. Comparing insurance is a two-step decision: use the LIC Term Plan Calculator to size pure protection cover, and the LIC Jeevan Anand Calculator if you're evaluating an existing or proposed endowment policy. Active in the stock market? Pair the Stock Average Down Calculator with the Universal Brokerage Calculator before every trade to know your real breakeven and costs. Thinking about retirement? Start with the Best Pension Plan in India Calculator to compare NPS, EPF, PPF, APY and SCSS side by side, then use the NPS Calculator to go deep on NPS specifically — including a dedicated NPS-vs-Unified-Pension-Scheme comparison if you're a government employee — or the Annuity Deposit Scheme Calculator if you have a lump sum and want a fixed monthly payout instead. Before any of these long-term plans, it's worth checking the fundamentals first: the Emergency Fund Calculator tells you how much of a safety cushion to keep aside, and the India Investment Time Machine shows what a past investment in Nifty, Gold, PPF, or Bitcoin would be worth today. And before committing any of this to a monthly budget, run your numbers through the CTC to In-Hand Salary Calculator first, so every other plan on this page is built on what you actually take home, not your offer letter's headline figure.

Frequently Asked Questions

About & Disclaimer

Invest Know Editorial Team
Financial calculators and guides built for Indian investors. Read more on our About Us page.

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