Smart Financial Calculators
Built for India
EMI, SIP, GST, Income Tax, HRA, FD, PPF & RD — all in one place. Accurate Indian calculations with visual charts.
Financial Calculators
8 tools — click any to get instant results
EMI Calculator
Home, car & personal loan EMI with amortization chart
SIP Calculator
Mutual fund SIP returns with year-by-year growth chart
Income Tax Calculator
Old vs new regime comparison for FY 2024-25
GST Calculator
Inclusive & exclusive with CGST / SGST breakup
HRA Calculator
Section 10(13A) exemption for metro & non-metro
FD Calculator
Fixed deposit maturity with compounding options
PPF Calculator
PPF maturity at 7.1% p.a. — tax-free EEE status
RD Calculator
Recurring deposit with quarterly compounding
Learn Before You Calculate
Practical, jargon-free guides for Indian taxpayers and investors
Old vs New Tax Regime: Which Saves More?
Complete comparison with examples for ₹5L, ₹10L, ₹15L, ₹20L income levels.
How to Choose the Right Home Loan in India
Fixed vs floating rate, processing fees, prepayment rules — all explained simply.
SIP vs Lump Sum: Which Grows More Wealth?
Real data comparison across bull and bear markets with strategy recommendations.
Quick Financial Tips
Invest at least 20% of take-home salary in SIP every month to build long-term wealth.
Keep your total EMI outgo below 40% of monthly income to avoid financial stress.
Under the new tax regime, ₹75,000 standard deduction is automatically applied — no paperwork needed.
PPF at 7.1% with EEE tax status beats most FDs after tax. Max out ₹1.5L/year.
Why RupeeSmart?
Instant & Accurate
Results update as you move sliders. Based on official Indian tax slabs and RBI guidelines.
Visual Breakdowns
Every calculator shows pie charts and bar charts so you see principal vs interest at a glance.
Always Free
No login, no paywall, no premium tier. All 8 calculators are 100% free, forever.