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
| Description | Calculation | Value (₹) |
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About this tool
The Stock Profit / Loss Calculator works out your realized gain or loss on a share trade — the gap between your buy price and the current/sell price, across the quantity you sell. Switch on Broker & Tax Charges to see your true net profit after all statutory and broker costs, modelled for major Indian brokers. Built for traders and long-term investors who want the real take-home number before booking a trade.
- Works for delivery and intraday on both NSE and BSE
- Models 7 brokers — Zerodha, Groww, Angel One, Upstox, 5paisa, ICICI Direct, HDFC Securities
- Itemizes brokerage, STT, exchange fee, stamp duty, SEBI fee, DP charges and GST
- 100% free, no signup — runs entirely in your browser, nothing leaves your device
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 (₹) |
|---|
About this tool
The Stock Average Calculator finds your weighted average buy price across multiple purchases of the same stock. Enter each lot's units and price and it returns your blended cost per share, total units and total invested — essential when you average down (or up) a holding.
- Unlimited purchase lots — add or remove rows freely
- Weighted average price, total units and total amount at a glance
- Works for stocks, ETFs, crypto or any unit-priced asset
- 100% free, browser-only — nothing leaves your device
How it works
When a stock drops below your buy price, adding more shares lowers your average cost — called averaging down.
- Add as many purchases as needed
- Calculator computes the weighted average price
Stock Basket Allocation Calculator
Split your cash across stocks by % allocation — get whole-share quantities & leftover cash
| Stock | Price (₹) | Allocation | Qty | Invested (₹) |
|---|
About this tool
The Stock Basket Allocation Calculator splits a fixed cash amount across a list of stocks by your chosen % allocation and tells you exactly how many whole shares to buy of each, plus the cash left over. Optionally pull live NSE/BSE prices by ticker so the plan uses today's market. Great for building or rebalancing a basket on a set budget.
- Custom % allocation per stock — defaults to equal split, must total 100%
- Optional live price fetch by ticker (NSE/BSE), or enter prices manually
- Shows per-stock quantity, amount invested and leftover cash
- Free and private — only the ticker symbol is ever sent out, for the price lookup
How allocation works
Assign a % weight to each stock (total must be 100%). Adding or removing a stock auto-resets to equal split. Since you can only buy whole shares, each quantity is rounded down — the unspent rupees show as leftover cash.
Qty = ROUNDDOWN(Allocation ÷ Price)
Invested = Qty × Price
Cash Remaining = Total Cash − Σ Invested
- Add or remove stocks — allocation % resets to equal split automatically
- Mirrors the Excel
=ROUNDDOWN(C*pct/100/B,0)approach - Enter a ticker (e.g.
RELIANCE,TCS) and tap to auto-fill the price
Live prices are best-effort & may be ~15 min delayed. Fetching sends only the stock symbol to a public price service (Yahoo Finance via a free proxy) — no other data leaves your browser. If a fetch fails, just type the price manually. Always verify before trading.
SIP Calculator
Systematic Investment Plan — with optional yearly step-up
About this tool
The SIP Calculator projects the future value of a monthly mutual-fund investment using compound growth, with optional yearly step-up. See how disciplined monthly investing could grow over time — and how much of the final corpus is your own contribution versus market gains.
- Monthly SIP with optional annual step-up %
- Splits the result into amount invested vs total gain
- Models rupee-cost averaging and compounding
- Free, browser-only — no signup, nothing stored
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.
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
About this tool
The Percentage Calculator handles the four everyday percentage problems in one place — finding a percentage of a number, expressing one number as a percentage of another, percentage change, and increasing or decreasing a value by a percentage. Handy for discounts, tips, margins and growth figures.
- Four modes covering the common percentage questions
- Instant results as you type
- No rounding surprises — exact decimal output
- Free, private — pure in-browser maths, nothing uploaded
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
| Month | Opening (₹) | Interest (₹) | GST on Interest | Principal Paid | One-time Charges | You Pay (₹) | Closing (₹) |
|---|
About this tool
The Credit Card EMI Calculator converts a purchase into monthly instalments and shows the real cost after interest and GST — including no-cost EMI schemes and foreclosure. Know the true outgo before you convert a transaction to EMI.
- Standard and no-cost EMI, with GST applied on the interest
- Shows total interest, processing fee and foreclosure impact
- Reveals the effective cost hidden inside 'no-cost' offers
- Free, browser-only — your numbers never leave your device
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
About this tool
The CAGR Calculator finds the Compound Annual Growth Rate — the smoothed yearly return that takes an investment from its starting value to its ending value over a period. It's the standard way to compare returns across different investments and timeframes.
- Annualised return from start value, end value and number of years
- Compare performance across assets on an equal footing
- Strips out the noise of uneven year-to-year returns
- Free, private — runs entirely in your browser
CAGR Formula
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
About this tool
The SWP Calculator models a Systematic Withdrawal Plan — drawing a fixed monthly payout from a lumpsum corpus that keeps earning returns. See how long your money lasts and the balance remaining over time.
- Fixed monthly withdrawal from an invested corpus that still earns returns
- Tracks remaining balance and the depletion timeline
- Useful for retirement and passive-income planning
- Free, private — runs entirely in your browser
How SWP Works
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
About this tool
The Lumpsum Calculator computes the future value of a one-time investment compounded over your chosen period and return rate. Quickly compare what a single upfront investment could become versus spreading it out.
- One-time investment future value with annual compounding
- Adjustable period and expected return rate
- Pairs with the SIP calculator for lumpsum-vs-SIP decisions
- Free, browser-only — no data leaves your device
What is Lumpsum?
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
| Charge | Basis | Amount (₹) |
|---|
About this tool
The Home Loan EMI Calculator computes your monthly instalment and a full amortization schedule, with support for prepayments. See how each EMI splits between interest and principal over the tenure, and how extra payments cut your total interest and loan duration.
- Full month-by-month amortization schedule
- Models part-prepayments and the interest they save
- Breaks every EMI into principal vs interest
- Free, browser-only — no financial data is uploaded
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
| Charge | Basis | Amount (₹) |
|---|
About this tool
The Car Loan EMI Calculator works from the on-road price — including insurance, road tax and 1% TCS — to give your real EMI and a full amortization schedule. Built for Indian buyers comparing ICE and EV financing before signing up.
- On-road price build-up: ex-showroom, insurance, road tax, TCS
- Full amortization schedule with fixed-rate foreclosure notes
- EV green-rate discount aware
- Free, private — runs entirely in your browser
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
Car Cost of Ownership — ICE vs EV
Total cost over the years you own it — fuel/energy, upkeep, insurance, resale & breakeven
| Cost Component | ICE (₹) | EV (₹) |
|---|
Cumulative Cost by Year (excl. resale)
| End of Year | ICE (₹) | EV (₹) | EV vs ICE |
|---|
About this tool
The Car Cost of Ownership Calculator compares the real long-run cost of a petrol/diesel (ICE) car against an electric (EV) one over the years you own it — not just the sticker price. It adds up purchase, fuel or electricity, service, insurance and battery, then subtracts resale to show true total cost, cost per km, and the breakeven year when the EV's lower running cost overtakes its higher upfront price.
- Side-by-side ICE vs EV total cost of ownership (TCO)
- Cost per km + year-by-year cumulative comparison
- Breakeven year — when the cheaper option pulls ahead
- Free, private — all maths runs in your browser
How it works
TCO = On-road + Running + Service + Insurance + Battery − Resale
Cost/km = TCO ÷ total km
Breakeven = first year EV cumulative ≤ ICE cumulative
- ICE running uses mileage (km/l) and fuel price (₹/l)
- EV running uses efficiency (km/kWh) and electricity (₹/kWh)
- Breakeven excludes resale & battery (end/one-off items); TCO includes them
- Defaults are illustrative India 2026 figures — edit to your own