Which loan calculator do you need?
They answer different questions. An EMI calculator tells you what a loan costs per month once you know the amount. An eligibility calculator tells you how large a loan banks will sanction on your salary and CIBIL score, which is the question to answer first. The debt-to-income ratio calculator tells you whether you should be borrowing at all right now. If you are starting a home purchase, the honest order is: DTI, then eligibility, then EMI.
Planning investments instead?
Use the SIP calculator for monthly mutual fund investing and the lumpsum calculator for a one-time amount. FD and RD suit guaranteed returns over short horizons; PPF and SSY are long-term, tax-free government schemes with rates reset every quarter. The tax and salary tools complete the picture: know your in-hand pay before committing to any monthly investment or EMI.
Frequently Asked Questions
Are these calculators accurate for Indian banks?
Yes — the formulas (reducing-balance EMI, FOIR-based eligibility, quarterly compounding for FD/PPF) are the same ones Indian lenders use, and pre-filled rates are refreshed against current market figures. Your bank's final offer still depends on your individual profile, so treat results as accurate planning estimates rather than sanction letters.
Are these tools really free?
Completely. No signup, no login, no limits — every calculator runs instantly in your browser.