India · Post-tax · Post-inflation · 2026

Financial calculators for India See your real number

Six free tools — EMI, SIP, FD, RD, PPF & SSY. Post-tax, post-inflation. No sign-up.

Try a calculator EMI — most popular
  • 30 sec average
  • Browser-only
  • No account

Calculators

Pick a tool. Run your real number.

Headline rates lie. Tax and inflation don't. Every tool shows what you actually keep — in ~30 seconds.

Start here · Most used

Home Loan EMI

Monthly EMI is the teaser — total interest over 20 years is the shock. Prepayment & amortization included.

Calculate EMI → ₹50L · 8% · 20 yr → ₹50L+ interest
Wealth

SIP Calculator

Real CAGR after LTCG tax & inflation.

Open → Fixed

FD Calculator

Post-tax maturity & real yield.

Open → Fixed

RD Calculator

Monthly RD maturity & real yield.

Open → Tax-saving

PPF Calculator

15-year EEE maturity & real value.

Open → Tax-saving

SSY Calculator

15-yr deposits → 21-yr maturity.

Open →

Good reads

Short guides — then run the calculator

All 8 guides →

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FAQ

Quick answers

Is SmartFinance free?

Yes — all calculators, no premium tier or upsell.

Why post-tax and post-inflation?

Headline returns are nominal. We model tax and ~5–7% inflation so you see spendable value.

Do I need to sign up or share data?

No sign-up. Inputs stay in your browser. Anonymous page analytics may use cookies; EMI UI prefs may save locally only.

Do you recommend products?

No — we show math only, not specific funds, loans, or insurance.

Don't sign until you've run the number.

Free · No sign-up · Runs in your browser

Calculate EMI now All 6 tools