Master Your Money with
Arthzo's Free Financial Calculators
EMI · SIP · Income Tax · PPF · Sukanya Samriddhi — all in one place, always free, always updated.
Managing finances in India has never been more complex — rising loan rates, evolving tax regimes, long-term savings schemes, and a booming mutual fund industry. Making the right decision requires more than intuition. It requires data. Arthzo.com's suite of free financial calculators puts that data at your fingertips — instantly, accurately, and for free.
EMI Calculator — Know Your Loan Before You Sign
What Is an EMI Calculator?
An Equated Monthly Instalment (EMI) Calculator computes the fixed monthly payment you owe on any loan — home, car, personal, or business. It instantly splits your repayment into principal and interest so there are no surprises at the bank.
How to Use Arthzo's EMI Calculator
- Enter your Loan Amount — e.g., ₹40,00,000 for a home loan
- Enter the Annual Interest Rate — e.g., 8.75% p.a.
- Select the Loan Tenure — e.g., 20 years
- Click Calculate — instantly see your EMI, total interest & total payment
Sample Output
| Loan Amount | Interest Rate | Tenure | Monthly EMI | Total Interest | Total Payment |
|---|---|---|---|---|---|
| ₹20,00,000 | 8.75% p.a. | 15 years | ₹19,954 | ₹15,91,720 | ₹35,91,720 |
| ₹40,00,000 | 8.75% p.a. | 20 years | ₹35,401 | ₹44,96,240 | ₹84,96,240 |
| ₹10,00,000 | 10.5% p.a. | 5 years | ₹21,494 | ₹2,89,640 | ₹12,89,640 |
Pro Tip: Even a 0.25% rate difference on a ₹40 lakh home loan over 20 years can save you over ₹1.2 lakh in total interest. Always compare lenders using Arthzo's EMI Calculator before signing.
SIP Calculator — Let Compounding Work for You
What Is a SIP Calculator?
A Systematic Investment Plan (SIP) Calculator estimates the future value of your mutual fund investments based on your monthly contribution, expected annual returns, and investment horizon. It's the fastest way to visualise the power of compounding.
How to Use Arthzo's SIP Calculator
- Enter your Monthly SIP Amount — e.g., ₹5,000
- Enter the Expected Annual Return — e.g., 12% for equity funds
- Set the Investment Tenure — e.g., 15 years
- Click Calculate — see your estimated corpus, invested amount & total returns
Power of Compounding — Same ₹5,000/Month
| Monthly SIP | Return p.a. | Tenure | Amount Invested | Estimated Returns | Total Corpus |
|---|---|---|---|---|---|
| ₹5,000 | 12% | 10 yrs | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
| ₹5,000 | 12% | 15 yrs | ₹9,00,000 | ₹16,22,880 | ₹25,22,880 |
| ₹5,000 | 12% | 20 yrs | ₹12,00,000 | ₹37,97,896 | ₹49,97,896 |
The same ₹5,000/month investment grows nearly 5x when you extend the horizon from 10 to 20 years — that's the magic of time and compounding.
Pro Tip: Use Arthzo's SIP Calculator in reverse — enter your target corpus and it tells you the exact monthly SIP amount you need to invest today to reach your goal.
Income Tax Calculator — Old vs. New Regime Made Easy
The Annual Dilemma Every Indian Faces
Since the revamped New Tax Regime (Budget 2023), Indian taxpayers must choose annually: stick with the Old Regime (with deductions like 80C, HRA, home loan interest) or opt for the New Regime (lower flat slabs, no deductions). The answer isn't the same for everyone — it depends on your income, lifestyle, and investment patterns. Arthzo's Income Tax Calculator solves this in seconds.
FY 2025-26 Tax Slabs — New Regime (Default)
| Income Slab | Tax Rate | Note |
|---|---|---|
| Up to ₹3,00,000 | Nil | |
| ₹3,00,001 – ₹7,00,000 | 5% | Rebate u/s 87A makes it Nil |
| ₹7,00,001 – ₹10,00,000 | 10% | |
| ₹10,00,001 – ₹12,00,000 | 15% | |
| ₹12,00,001 – ₹15,00,000 | 20% | |
| Above ₹15,00,000 | 30% |
Old vs. New Regime Comparison (Salary ₹12 LPA, Deductions ₹2.5L)
| Parameter | Old Regime | New Regime |
|---|---|---|
| Gross Income | ₹12,00,000 | ₹12,00,000 |
| Deductions | ₹2,50,000 | Nil |
| Taxable Income | ₹9,50,000 | ₹12,00,000 |
| Tax Payable | ~₹1,17,000 | ~₹1,20,000 |
| Verdict | Slightly Better | Simpler, marginally higher |
Pro Tip: Run both regimes on Arthzo's calculator every year before filing your ITR. For salaried individuals with significant 80C, HRA, and NPS deductions, the Old Regime often saves substantially more tax.
PPF Calculator — Safe, Tax-Free Wealth Building
Why PPF Remains India's Favourite Savings Scheme
The Public Provident Fund (PPF) is a government-backed savings scheme offering guaranteed returns, complete capital safety, and triple tax exemption (EEE status — exempt at investment, growth, and withdrawal). With a current interest rate of 7.1% p.a. (compounded annually), it remains one of the most powerful tools for long-term, risk-free wealth creation.
The 15-year lock-in period works in your favour — it enforces discipline and lets compounding do its job undisturbed.
PPF Returns at a Glance
| Annual Investment | Tenure | Rate | Total Invested | Maturity Value |
|---|---|---|---|---|
| ₹50,000 | 15 years | 7.1% | ₹7,50,000 | ~₹13,56,070 |
| ₹1,00,000 | 15 years | 7.1% | ₹15,00,000 | ~₹27,12,139 |
| ₹1,50,000 | 15 years | 7.1% | ₹22,50,000 | ~₹40,68,209 |
Pro Tip: Invest the full ₹1.5 lakh/year in PPF on April 1st each year to maximize interest — PPF interest is calculated on the minimum balance between the 5th and end of each month.
Sukanya Samriddhi Yojana Calculator — Invest in Your Daughter's Future
What Is the Sukanya Samriddhi Yojana?
Launched under the Beti Bachao, Beti Padhao initiative, the Sukanya Samriddhi Yojana (SSY) is a government small savings scheme exclusively for the girl child. It offers one of the highest interest rates among all government schemes — currently 8.2% p.a. — along with full tax exemption under Section 80C and EEE tax status.
Key Features
- Account can be opened for a girl child below 10 years of age
- Minimum deposit: ₹250/year · Maximum: ₹1,50,000/year
- Contributions required for 15 years; account matures after 21 years from opening
- Partial withdrawal allowed after girl turns 18 (up to 50% for education)
- Interest rate: 8.2% p.a. (Q1 FY 2025-26)
SSY Returns Example
| Annual Deposit | Deposit Period | Rate | Total Invested | Maturity Value (21 yrs) |
|---|---|---|---|---|
| ₹50,000 | 15 years | 8.2% | ₹7,50,000 | ~₹23,34,000 |
| ₹1,00,000 | 15 years | 8.2% | ₹15,00,000 | ~₹46,68,000 |
| ₹1,50,000 | 15 years | 8.2% | ₹22,50,000 | ~₹70,02,000 |
Pro Tip: Open your daughter's SSY account as early as possible — even a 1-year headstart means additional years of 8.2% tax-free compounding. Use Arthzo's calculator to see exactly how much more you'll earn by opening the account today versus next year.
Why Use Arthzo's Financial Calculators?
Always Free
No registration, no subscription, no hidden charges — ever.
India-Specific
Updated with the latest RBI rates, SEBI norms & Union Budget announcements.
Instant Results
Real-time calculations — no page reloads, no waiting.
Mobile-Friendly
Works seamlessly on any device — phone, tablet, or desktop.
Privacy First
Your financial inputs are never stored or shared.
Always Updated
Tax slabs, interest rates & scheme rules kept current year-round.
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