IndCalcHub
Explained, not just answered

Calculators that show their work.

Finance and everyday calculators in ₹. Every result comes with the formula and the breakdown behind it — not just a number.

Finance

Loans, SIPs, debt, and retirement — the calculations that move real money, explained as you go.

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Loan EMI & Payoff

EMI, full amortization, and what extra prepayments actually save you.

Compound Interest & SIP

How much of your future balance is your money vs. growth doing the work.

Debt Payoff Planner

Snowball vs. avalanche, compared side by side with real months and rupees.

Retirement & FIRE

The corpus you need to live on your savings, and when you'll reach it.

Fixed Deposit (FD)

FD maturity value with quarterly compounding, the way Indian banks actually calculate it.

Simple Interest

The non-compounding calculation — interest that doesn't earn interest on itself.

Income Tax (New vs Old)

Compare tax under both regimes side by side and see which one actually costs less.

CAGR / Returns

The annualized return on an investment — not just the total gain.

Gratuity

What you're owed under the Payment of Gratuity Act, based on your last drawn salary.

Rent vs Buy

Which actually leaves you wealthier after N years — renting and investing, or buying?

NPS Calculator

Your projected NPS corpus, the mandatory annuity split, and the pension it buys.

Inflation Calculator

What today's money will actually be worth — or cost — years from now.

CTC to In-Hand Salary

Your actual monthly take-home from a CTC number, after PF and tax.

HRA Exemption

The exact tax-exempt part of your HRA — the least-of-three rule, worked out.

PPF Calculator

Public Provident Fund maturity value, year by year, over its 15-year lock-in.

EPF Calculator

Your EPF corpus from actual employee + employer contribution rates, not a guess.

Advance Tax Calculator

Your quarterly advance tax due dates and amounts, for freelancers and the self-employed.

RSU Tax Calculator

Tax at vesting and at sale for RSUs from a US or other foreign employer — worked out in full.

Everyday & Conversions

Currency, units, percentages, and bills — the small conversions you reach for most weeks.

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Time & Date

World clock, age, countdowns, and working days — everything about dates and time zones in one place.

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