All Calculators — 55 Free Loan, Tax & Investment Tools | Invaspo

EMI calculators 12

EMI CalculatorMost usedWork out the EMI on any loan in seconds, with a full year-by-year breakdown of how much goes to interest and how much reduces your balance. Home Loan EMI CalculatorPopularCalculate your home loan EMI, total interest and year-by-year outstanding balance. Built for Indian home loans and current 2026 rates. Personal Loan EMI CalculatorCheck the EMI on an unsecured personal loan before you apply, including what the interest actually costs you over the full term. Business Loan EMI CalculatorPlan the monthly outgo on a business or working capital loan and see the true interest cost against your cash flow. Car Loan EMI CalculatorCalculate the EMI on a new car loan, and see what the on-road price really costs once interest is counted. Used Car Loan EMI CalculatorWork out the EMI on a pre-owned car loan, where rates run higher and tenures shorter than new car finance. Two Wheeler Loan EMI CalculatorCalculate the monthly instalment on a bike or scooter loan, including high-rate dealership finance. Education Loan EMI CalculatorWith moratoriumModel an education loan properly — including the moratorium, where interest keeps accruing while you are still studying. Gold Loan CalculatorPer-gram LTVFind out how much you can borrow against your gold at RBI's LTV cap, and what it costs monthly. Loan Against Property EMI CalculatorCalculate the EMI on a loan against residential or commercial property, India's cheapest large-ticket general-purpose loan. Commercial Vehicle Loan EMI CalculatorModel the EMI on truck, bus or fleet finance and check it against the revenue the vehicle will actually earn. Credit Card EMI CalculatorIncludes GSTThe real cost of converting a card purchase to EMI — including the 18% GST on interest that card issuers never show upfront.

Eligibility 4

Home Loan Eligibility CalculatorIncludes LTV capSee how much home loan your income supports, and how the lender's loan-to-value cap limits it further. Personal Loan Eligibility CalculatorCheck the personal loan amount your salary supports before a lender runs a hard enquiry on your credit file. Business Loan Eligibility CalculatorBeyond Urban MoneyEstimate the business loan your monthly surplus and turnover support, the way an underwriter would. Home Affordability CalculatorBeyond Urban MoneyWork backwards from your savings and salary to the property price you can actually afford — including stamp duty.

Save on your loan 7

Home Loan Balance Transfer CalculatorSee exactly what switching your home loan saves after fees, and how many months it takes to break even. Personal Loan Balance Transfer CalculatorCheck whether moving your personal loan to a cheaper lender actually saves money once fees are counted. Business Loan Balance Transfer CalculatorRefinance a business loan at a lower rate and see the saving net of every switching cost. Home Loan Prepayment CalculatorBiggest savingSee how a lump sum or a little extra each month cuts years and lakhs off your home loan. Personal Loan Prepayment CalculatorCheck what a part payment saves on a personal loan, and whether the foreclosure charge eats the benefit. Business Loan Prepayment CalculatorModel a lump sum against a business loan and see the interest and tenure it removes. Loan Foreclosure CalculatorFind out what it costs to close a loan today, and how much interest you avoid by doing it.

Compare & analyse 8

APR CalculatorTrue costThe rate a lender quotes ignores fees. APR folds them in and shows what the loan really costs. Flat vs Reducing Rate CalculatorEye openerA "9% flat" loan is really around 16% reducing. See the true rate behind any flat quote. Loan Comparison CalculatorBeyond Urban MoneyPut three sanction letters side by side and see which is genuinely cheapest once fees and tenure are counted. Step Up EMI CalculatorBeyond Urban MoneyStart with a lower EMI that rises each year with your salary — and see what that structure costs you. Loan Moratorium CalculatorBeyond Urban MoneyAn EMI holiday is not free. See exactly what pausing your instalments adds to the loan. Amortisation Schedule CalculatorFull scheduleA complete month-by-month repayment schedule you can expand, print or download as CSV. Rent vs Buy CalculatorBeyond Urban MoneyCompare renting and investing the difference against buying with a home loan, over your actual holding period. EMI in Advance vs Arrears CalculatorBeyond Urban MoneySome lenders collect the first EMI at disbursal. See what that structure actually saves or costs.

Income tax 4

Income Tax Calculator FY 2026-27FY 2026-27Compare the old and new tax regimes on your actual income and deductions, and see which one leaves you with more. In-Hand Salary CalculatorCTC to take-homeTurn a CTC offer into the money that actually reaches your bank account each month. HRA Exemption CalculatorWork out exactly how much of your house rent allowance is exempt from tax under Section 10(13A). Home Loan Tax Benefit CalculatorSee what your home loan actually saves you in tax, and what your effective interest rate becomes.

Business & statutory 4

GST CalculatorGST 2.0 ratesAdd GST to a base price or extract it from an inclusive amount, on the current 0/5/18/40% structure. TDS CalculatorWork out the TDS on any payment, at the right section rate, with the higher rate applied when PAN is missing. Gratuity CalculatorCalculate the gratuity due on resignation or retirement, and how much of it is tax free. Stamp Duty CalculatorBeyond Urban MoneyThe cash cost of registering a property, state by state — the number most home buyers forget to budget for.

Mutual funds 5

SIP CalculatorMost usedSee what a monthly SIP grows into, and how much of the final corpus is returns rather than your own money. Step Up SIP CalculatorBeyond Urban MoneyRaise your SIP each year with your salary and watch what it does to the final corpus. Lumpsum CalculatorProject what a one-time investment grows into over time at a given rate of return. SWP CalculatorBeyond Urban MoneyDraw a monthly income from a corpus and see how long it lasts while the balance keeps growing. Goal Planning CalculatorBeyond Urban MoneyName a target and a date, and find the monthly investment that gets you there — in today's money and tomorrow's.

Deposits & small savings 4

FD CalculatorCalculate fixed deposit maturity with quarterly compounding, and what the interest costs you in tax. RD CalculatorFind the maturity value of a monthly recurring deposit, compounded the way banks actually do it. PPF CalculatorTax freeProject your PPF balance over the 15-year term and beyond, with fully tax-free returns. Sukanya Samriddhi Yojana CalculatorTax freeProject the maturity of an SSY account for a girl child — deposits for 15 years, maturity at 21.

Retirement 3

NPS CalculatorBeyond Urban MoneyProject your NPS corpus at 60, the lump sum you can take, and the monthly pension the rest buys. EPF CalculatorBeyond Urban MoneyProject your provident fund balance at retirement, including the employer's share and salary growth. Retirement CalculatorBeyond Urban MoneyWork out the corpus your retirement actually needs after inflation, and the monthly saving that builds it.

Interest & returns 4

Compound Interest CalculatorSee how compounding frequency changes the outcome, and what your money becomes over time. Simple Interest CalculatorCalculate simple interest on any principal, and compare it against compounding. CAGR CalculatorBeyond Urban MoneyFind the annualised return on any investment between two values, the only fair way to compare them. Inflation CalculatorSee what today's money will be worth later, and what today's costs will become.