Free Finance Calculators — SIP, EMI, Stock Profit/Loss, CAGR, Home & Car Loan
Stock Profit / Loss
Calculate realized gain or loss — with optional broker & tax charges
Include Broker & Tax Charges
NSE
BSE
Delivery
Intraday
| Description | Calculation | Value (₹) |
|---|
How it works
- Initial Purchase Value — Owned × Buy Price
- Current Shares Value — Owned × Current Price
- Current Sale Value — Sell Qty × Current Price
- Remaining Shares Value — (Owned − Sell Qty) × Current Price
- Profit / Loss — (Current Price − Buy Price) × Sell Qty
Stock Average Calculator
Average down / up across multiple purchases
| Purchase | Units | Price (₹) | Amount (₹) |
|---|
Stock Average Calculator
When a stock drops below your buy price, adding more shares lowers your average cost — called averaging down.
Average Price = Total Amount Invested ÷ Total Units
- Add as many purchases as needed
- Calculator computes the weighted average price
SIP Calculator
Systematic Investment Plan — with optional yearly step-up
—
Expected Amount
—
Amount Invested
—
Total Gain
What is SIP?
Invest a fixed amount monthly in a mutual fund. Benefits: rupee cost averaging, power of compounding, step-up SIP boosts corpus significantly.
Monthly Rate r = Annual% / 12 / 100
FV = P × [((1+r)^n − 1) / r] × (1+r)
Step-up: monthly amount increases by step-up% each year
FV = P × [((1+r)^n − 1) / r] × (1+r)
Step-up: monthly amount increases by step-up% each year
Percentage Calculator
Four common percentage operations
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Modes
- X% of Y — e.g. 500% of 5 = 25
- X is what % of Y — e.g. 25 of 200 = 12.5%
- % Change — percentage change between two values
- % Increase / Decrease — value after applying a percentage
Credit Card EMI Calculator
Standard & No-Cost EMI — with GST, processing fee, and foreclosure
Standard EMI
No-Cost EMI
Merchant EMI
Post-Purchase
Select bank to auto-fill rates
Pre-closure / Foreclosure
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Principal
—
Total Interest
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Total GST
—
Processing + GST
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Total Cost
—
Extra vs Sticker
—
Base EMI / Month
| Month | Opening (₹) | Interest (₹) | GST on Interest | Principal Paid | One-time Charges | You Pay (₹) | Closing (₹) |
|---|
Credit Card EMI — Key Rules
- GST 18% applies to interest and processing fee every month — never on principal
- No-Cost EMI: merchant discounts price by total interest → you still pay GST on that interest
- Processing fee is a one-time charge on your first statement
- Foreclosure fee (2–3%) + 18% GST applies if you close EMI early
- Miss a payment? The entire balance reverts to revolving credit rate (36–42% p.a.)
CAGR Calculator
Compound Annual Growth Rate of an investment
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Compound Annual Growth Rate
CAGR Formula
CAGR = (Final Value / Initial Value) ^ (1 / Years) − 1
CAGR smooths year-to-year volatility. Ideal for comparing long-term investment performance across different assets.
SWP Calculator
Systematic Withdrawal Plan — monthly income from a corpus
—
Final Value
—
Total Withdrawn
How SWP Works
Each month: Balance = Balance × (1 + r/12) − Withdrawal
r = Annual Rate / 100
r = Annual Rate / 100
If monthly returns exceed your withdrawal, corpus grows. If withdrawal exceeds returns, corpus depletes over time.
Lumpsum Calculator
One-time investment growth projection
—
Invested Amount
—
Est. Returns
—
Total Value
What is Lumpsum?
Future Value = P × (1 + r)^t
P = Investment | r = Annual Rate / 100 | t = Years (Months / 12)
P = Investment | r = Annual Rate / 100 | t = Years (Months / 12)
A single lump-sum investment compounded annually. Works best when markets are near a low. For disciplined periodic investing, SIP is generally preferred.
Home Loan Calculator
EMI · Amortization · Upfront costs · Extra EMI savings — Indian market
Loan Details
Hike EMI every year by
% per year
Bank & Charges
Salaried
Self-Emp
Affects processing fee only · Rates as of May 2026
Male
Female
Joint
EMI & Timeline
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EMI / Month
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EMI Starts
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Original End
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Actual End
Savings (Extra EMI Impact)
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Time Saved
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Total Prepayment Done
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Interest Saved
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Total Cost
Loan Totals
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Principal
—
Total Interest
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Total Upfront
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Grand Total (Cost of Ownership)
Upfront Charges Breakdown
| Charge | Basis | Amount (₹) |
|---|
Inputs sheet has live formulas · Amortization is pre-computed (re-export to refresh)
Amortization Schedule — Year-wise
Penalty & Operational Charges (Reference)
- Late EMI penalty — 18–24% p.a. on overdue instalment amount
- NACH / ECS bounce — ₹450–550 + 18% GST per instance
- Rate switch / conversion — 0.25–0.50% of outstanding principal
- Document retrieval delay — ₹5,000 per month beyond deadline
- Floating rate foreclosure — NIL (RBI mandate for individual borrowers)
Car Loan Calculator
ICE & EV · State RTO · On-road price · EMI · Extra EMI · Hike · Foreclosure
Vehicle Details
Petrol
Diesel
EV
CNG
Individual
Corporate
Corporate RTO = 1.5–2× individual rate · Rates as of May 2026
State & On-Road Charges
Bank name added to RC as collateral · ₹1,500 RTO fee + bank stamp duty · removed after loan closure
Car Insurance Breakdown (IRDAI structure)
Enter total manually
Auto-fills from ex-showroom · editable
IRDAI fixed Third-Party tariff
Switch to EV fuel to enable
1% if invoice > ₹10L
Loan Details
Select bank to auto-fill rate · Data as of May 2026
Hike EMI
%/yr
Pre-closure / Foreclosure
Vehicle & Loan
—
Invoice Value
—
On-Road Price
—
Loan Principal
—
EMI / Month
Timeline
—
EMI Starts
—
Original End
—
Actual End
—
Time Saved
Costs & Savings
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Total Interest
—
Total Prepayment
—
Interest Saved
—
Total Cost
—
Processing + GST
On-Road Cost Breakdown
| Charge | Basis | Amount (₹) |
|---|
Inputs sheet has live formulas · Amortization pre-computed (re-export to refresh)
Amortization — Year-wise
Car Loan — Key Notes
- Fixed rate — EMI constant; foreclosure penalties apply (unlike floating home loans)
- TCS 1% — claimable as ITR tax credit if invoice > ₹10L
- EV green discount — 0.10–0.15% rate cut available at most banks
- Max bank funding — typically 85–95% of ex-showroom; road tax & insurance rarely funded
- Karnataka — highest ICE RTO in India (14–17%); 0% for EVs
- Rates as of May 2026 — verify with bank/RTO before finalising
FY 2026 EV Subsidy Disclaimer: Most state cash subsidy pools for private EVs have been capped or depleted. Benefits now predominantly consist of 100% road tax & registration waivers. Gujarat retains a limited cash subsidy (₹10K/kWh, max ₹1.5L, min 15 kWh). Maharashtra, Delhi, Assam, West Bengal, Bihar, Odisha retain schemes subject to quota limits — verify availability at your state's transport portal before purchase. 5% GST on EV invoice remains unchanged.