All Financial Calculators on Arthzo
Nineteen free tools for loans, deposits, mutual funds, pension schemes and household budgeting — priced in rupees, wired to Indian tax and RBI rules, and usable without signing up for anything.
Quick Calculator
Three most-used tools, right here. Pick a tab and start typing.
Compounded quarterly, the convention Indian banks follow. Interest is taxable at your slab rate; TDS applies above the annual threshold.
Open the full FD Calculator →Pick Your Calculator
Click any calculator to get started — all free, all instant.
Loans & Credit
5 calculatorsInvestments & Returns
5 calculatorsDeposits & Small Savings
5 calculatorsBuilt for Indian Money
Four things separate a calculator built for India from one translated into rupees.
The Formulas Behind Them
Nothing here is proprietary. These are the standard formulas — you can verify any result by hand.
Loan EMI
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1)P = principal · r = monthly rate (annual ÷ 12 ÷ 100) · n = months
SIP future value
FV = M × ((1+i)ⁿ − 1) ÷ i × (1+i)M = monthly amount · i = monthly return · n = months
Fixed deposit maturity
A = P × (1 + r/4)^(4×t)Quarterly compounding · r = annual rate as decimal · t = years
Emergency fund
Fund = Monthly expenses × Months of cover3 months for stable government jobs · 9–12 for self-employed
Which Calculator Do I Need?
| Your goal | Use this | What it returns |
|---|---|---|
| Buying a house or car on loan | EMI Calculator | Monthly instalment and total interest |
| Checking if a loan offer is honest | APR Calculator | True cost after all fees |
| Knowing your borrowing limit | Loan Eligibility Calculator | Likely sanctionable amount |
| Building wealth from monthly savings | SIP Calculator | Corpus at the end of your horizon |
| Judging past investment performance | XIRR Calculator | Annualised return on uneven cash flows |
| Parking money safely for 1–5 years | FD Calculator | Maturity value and interest earned |
| Tax-free long-term savings | PPF Calculator | Year-by-year balance to maturity |
| Regular income after retirement | SCSS or SWP Calculator | Quarterly payout, or corpus drawdown |
| Saving for a daughter's future | Sukanya Samriddhi Calculator | Maturity value at age 21 |
| Choosing a tax regime before filing | Income Tax Calculator | Liability under both regimes |
| Getting spending under control | Household Budget Calculator | Your real monthly savings rate |
| Protecting against job loss | Emergency Fund Calculator | Target fund and months to reach it |
A Worked Example
Rajesh, 34, works at a public sector bank in Haryana. He takes a home loan and starts a SIP in the same month. Here is what three calculators tell him.
The home loan
The line that changes his thinking: over twenty years he repays ₹52.4 lakh on a ₹25 lakh loan. The interest exceeds the principal. That is what a long tenure costs, and it stays invisible until you calculate it.
The SIP alongside it
The safety net first
Order matters. Rajesh should fill the emergency fund before raising the SIP. Without it, one medical event forces him to redeem units — possibly in a down market, and possibly while still owing the EMI.
Common Mistakes
The calculator is rarely wrong. The assumptions fed into it usually are.
Frequently Asked Questions
Is Arthzo's EMI Calculator accurate?
Yes. It uses the standard reducing-balance formula that Indian banks apply, so the monthly instalment typically matches a bank's own figure within a few rupees. Small differences arise from lender-specific rounding and the exact date on which interest resets. Treat the result as a reliable planning figure and confirm the final number on your sanction letter.
Are Arthzo's calculators free to use?
Yes. All 19 calculators are free with no signup, no login, no email capture and no paid tier. There is no usage limit and no premium version held back.
Is my financial data stored anywhere?
No. Every calculation runs as JavaScript inside your own browser. Your income, EMIs, balances and expenses are never transmitted to a server or stored in any database. Closing the tab discards everything.
What is the difference between the CAGR and XIRR calculators?
CAGR assumes one lump sum invested once and withdrawn once, so it needs only a start value, end value and time period. XIRR handles money going in and out on irregular dates, which is what a real SIP or a portfolio with top-ups looks like. For any monthly investment, XIRR is the correct measure — CAGR will overstate or understate depending on when the money went in.
Do the tax calculators use the old or new regime?
Both. The Income Tax Calculator computes liability under each regime for FY 2026–27 and shows which leaves you paying less, along with the deduction threshold at which the old regime stops being worthwhile.
Which calculator should a bank employee or pensioner start with?
For serving staff, the Bank Employee Salary Calculator and the NPS Calculator are the usual starting points. For pensioners, the SCSS Calculator and SWP Calculator together cover most retirement income planning.
Do these work properly on a phone?
Yes. Every calculator is built mobile-first, with numeric keypads triggered on amount fields and tables that restack into readable cards on narrow screens. Nothing needs to be installed.
How often are the rates and rules updated?
Small savings rates are reviewed each quarter against the Ministry of Finance notification. Tax slabs are updated after each Union Budget. RBI-driven changes to lending norms are applied as circulars are issued.
Can I use these for business or commercial loans?
The EMI, APR and loan comparison tools work for any reducing-balance loan, including business borrowing. They do not model working capital limits, cash credit interest or overdraft charging, which follow different conventions.
Guides That Explain the Numbers
A calculator gives you a figure. These explain what to do with it.
Disclaimer: These calculators are for information and planning only and do not constitute financial, tax or investment advice. Results are estimates based on the figures you enter and the assumptions stated. Actual bank and scheme outcomes vary with rounding, reset dates, applicable taxes and institutional policy. Consult a SEBI-registered investment adviser or a qualified tax professional before making financial decisions. Arthzo is not a bank, NBFC or financial institution and is not responsible for decisions taken on the basis of these tools.