Online Financial Calculators – EMI, SIP, FD, PPF & More

Every calculator in one place

Sliders, donut breakup, year-wise charts, amortization, formulas and FAQs on each tool.

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Home Loan EMI

Monthly EMI, interest and amortization.

Personal Loan EMI

Unsecured loan affordability.

Car Loan EMI

Vehicle finance after down payment.

SIP

Monthly investing with optional step-up.

FD

Maturity with compounding frequency.

PPF

Yearly deposits and notified rate.

Gold returns

Price per 10g and appreciation.

Basic calculator

Everyday arithmetic pad.

Calculators by category

Last reviewed: 4 September 2026. Results are illustrations, not current bank or AMC quotes.

Loans

Investments

Insurance & planning

Why people use Grow Money Calculator

Clear math, Indian defaults, multi-currency display, and a UI that stays out of the way.

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Standard EMI formula

Reducing-balance EMI used by Indian banks: P × r × (1+r)^n / ((1+r)^n − 1), with yearly amortization and charts.

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Home-buying stack

EMI, eligibility, affordability, refinance and mortgage cost — including SURF, FLIP and telescopic tenure explainers.

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Invest side by side

SIP, lumpsum, mutual fund CAGR, gold, FD, PPF, RD and SWP so you can compare borrowing cost vs investing return.

A worked example from the same engine

₹25 lakh at 8.5% is a common planning ticket. Tenure is the expensive lever: the monthly figure falls slowly while lifetime interest keeps rising. These rows are the reducing-balance identity on this website, not a bank offer. Change years on the home loan EMI calculator to match a row.

₹25,00,000 at 8.5% per year
Tenure	Monthly EMI	Total interest
10 years	₹30,996	₹12,19,571
20 years	₹21,696	₹27,06,939
30 years	₹19,223	₹44,20,221

How we calculate, including what the engines do not do: methodology. Original write-ups: guides. We are not a lender: about.

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