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Key facts every Indian should know before making money decisions.
₹3.2 Lakh
The average Indian overpays over ₹3 lakh in home loan interest simply by not negotiating the rate down by even 0.5%. A small rate difference over 20 years is enormous — use an EMI calculator before you sign anything.
₹1 Crore
Investing just ₹7,500 every month via SIP at 12% annual return for 20 years can build a corpus of ₹1 crore. The earlier you start, the smaller the monthly amount needed. Time is the most powerful ingredient.
₹46,800
The average salaried person misses out on ₹46,800 per year in tax savings by not fully using 80C deductions. That's ₹1.5 lakh invested in ELSS, PPF, or EPF — fully exempt from tax.
6.5% vs 5.5%
Current FD rates hover around 6.5–7%. Inflation is ~5.5%. Your real return is barely 1%. FDs are safe, but they're not wealth builders. Knowing this helps you diversify smarter.
The tool most Indians are using right now.
With the new tax regime changes in Budget 2025, crores of salaried Indians are unsure which regime saves them more. Our calculator compares both regimes side by side — enter your salary and deductions, and get a clear answer in 10 seconds.
Simple guides to understand the numbers behind every tool.
Quick answers to what most people ask before using a financial calculator.
FinCalc is a collection of free financial calculators built for everyday Indians. Every tool is free to use — no signup, no hidden fees, no premium plan. We earn from non-intrusive ads.
All calculators use standard financial formulas used by Indian banks and SEBI-registered advisors. Results are highly accurate for planning purposes. Actual outcomes may vary slightly based on bank-specific fees or policy changes.
Yes — FinCalc is fully mobile-friendly. Every calculator works on any smartphone or tablet without needing to download an app.
EMI (Equated Monthly Instalment) is your fixed monthly loan repayment. It is calculated using the formula: EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1], where P is loan amount, r is monthly interest rate, and n is the number of months.
It depends on your deductions. If your 80C investments, HRA, and home loan interest exceed ₹3–3.5 lakh, the old regime usually saves more. Otherwise the new regime is simpler and often better. Use our Income Tax Calculator to compare both in seconds.
At 12% annual return, you need approximately ₹7,500/month for 20 years, or ₹22,000/month for 12 years to reach ₹1 crore. Use the SIP Calculator to adjust for your timeline.
No. Every calculation happens entirely in your browser. We do not collect, store, or transmit any of the numbers you enter. Your data never leaves your device.
Yes — each calculator has a "Share Result" button that generates a link with your inputs encoded in the URL. Anyone who opens the link sees the same result.