FY 2026–27 · Free · SEBI-aware Calculators
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SIP, EMI, Tax, Insurance & Retirement — 55+ financial tools designed to help you make better money decisions. No login. 100% free.
Platform Highlights
55+CALCULATORS
100%FREE FOREVER
FY26UPDATED
6CATEGORIES
SIP Returns (20yr @ 12%)
₹1.76 Cr
+340%
Home Loan EMI (₹50L, 20yr)
₹48,251
8.5%
Tax Saved via 80C
₹46,800
New Regime
📊 SIP ₹20K/mo @ 12% → ₹2 Cr in 20 yrs
·
🏠 Home Loan EMI ₹50L, 8.5%, 20yr → ₹43,391/mo
·
🧾 Income Tax ₹15L Income, New Regime → ₹1.5L Tax
·
🎯 Retirement ₹50K/mo expenses today → ₹5.2 Cr corpus needed
·
📈 LTCG ₹5L gains → ₹46,250 tax
·
💰 FIRE ₹1L/mo expenses → ₹3 Cr FIRE number
·
📊 SIP ₹20K/mo @ 12% → ₹2 Cr in 20 yrs
·
🏠 Home Loan EMI ₹50L, 8.5%, 20yr → ₹43,391/mo
·
🧾 Income Tax ₹15L Income, New Regime → ₹1.5L Tax
·
🎯 Retirement ₹50K/mo expenses today → ₹5.2 Cr corpus needed
·
📈 LTCG ₹5L gains → ₹46,250 tax
·
💰 FIRE ₹1L/mo expenses → ₹3 Cr FIRE number
·
📈
12–15%
Equity Long-Term CAGR
Historical Nifty 50 average
🏦
8.5%
Avg Home Loan Rate
Current market range
🧾
₹7L
New Regime Zero Tax
Standard deduction included
🛡️
10–15×
Life Cover Thumb Rule
Annual income × multiplier
Investment Calculators
SIP, Lumpsum, FD, RD, CAGR & wealth compounding tools
🔥 Most Popular
SIP Calculator
Calculate mutual fund SIP maturity, total returns, and wealth multiplier with rupee-cost averaging.
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Beginner
⭐ Top Pick
Step-Up SIP
Boost your SIP yearly — see the massive wealth difference a 10% annual step-up creates.
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Beginner
Lumpsum Calculator
Returns on a one-time investment at a compounded rate over any tenure.
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Beginner
FD Calculator
Fixed deposit maturity with quarterly compounding and effective yield.
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Beginner
RD Calculator
Recurring deposit maturity and interest earned on monthly instalments.
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Beginner
SWP Calculator
Plan monthly withdrawals from your corpus — see how long it lasts.
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Intermediate
CAGR Calculator
Find the true annualised growth rate between any start and end value.
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Beginner
Rule of 72
Instantly estimate how long it takes to double your money at any rate.
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Beginner
Step-Up SWP
Plan growing withdrawals that increase annually — ideal for rising post-retirement expenses.
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Intermediate
Goal Planner
Work backwards from a future financial goal to find the SIP or lumpsum needed today.
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Beginner
Mutual Fund Returns
Calculate absolute and annualised returns on any mutual fund investment over a period.
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Intermediate
SIP vs Lumpsum
Compare wealth created by monthly SIP versus a one-time lumpsum at the same rate.
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Beginner
Loan & EMI Calculators
Home loan, car loan, personal loan & prepayment planning
⭐ Most Used
EMI Calculator
Monthly EMI, total interest, and full amortization for home, car, or personal loans.
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Beginner
Home Loan Eligibility
Maximum loan amount you qualify for based on salary and existing obligations.
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Beginner
Loan Prepayment Savings
See exactly how much interest you save by making a lump-sum prepayment.
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Intermediate
Credit Card Payoff
Time & total cost to clear credit card debt. Eye-opening reality check.
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Beginner
Balance Transfer Savings
Savings from switching lender — see if a lower rate justifies the transfer cost.
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Intermediate
Education Loan
Student loan EMI with moratorium period — see actual repayment after course completion.
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Beginner
Loan Comparison
Compare two loan offers side by side — EMI, total interest, and true cost of each.
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Intermediate
Car Loan Calculator
EMI with down payment for new or used car — full on-road price breakdown.
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Beginner
Personal Loan EMI
Unsecured loan cost calculator with total interest burden analysis.
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Beginner
Tax Calculators
Income tax, capital gains, HRA & 80C planning — FY 2026–27
📅 FY 2026–27
Income Tax Calculator
New vs Old regime comparison with 80C, 80D, HRA for FY 2026–27.
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Intermediate
Budget 2024
LTCG Tax Calculator
Equity/fund LTCG tax with ₹1.25L annual exemption at 12.5% flat rate.
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Intermediate
Budget 2024
STCG Tax Calculator
Tax on short-term capital gains from equity and debt at 20% flat rate.
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Intermediate
HRA Exemption
HRA exemption under Sec 10(13A) based on salary, rent paid, and city.
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Intermediate
PPF Calculator
Tax-free PPF maturity at 7.1% p.a. with annual deposits over 15 years.
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Beginner
NSC Calculator
National Savings Certificate maturity and interest with 80C deduction benefit.
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Beginner
TDS Estimator
Estimate TDS on salary, FD interest, rent, and professional fees.
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Beginner
Home Loan Tax Benefits
Calculate 80C (principal) and 24B (interest) deductions on your home loan EMI.
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Beginner
Gift Tax Guide
Check if a gift is taxable — exemption limits by relation, occasion, and amount.
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Beginner
Insurance Calculators
Life cover, health premium, gratuity & critical illness estimators
⭐ Essential
Life Cover Estimator
How much term insurance you actually need based on income, loans & dependants.
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Beginner
Gratuity Calculator
Statutory gratuity payable based on your years of service and last drawn salary.
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Beginner
Child Education Plan
SIP needed today to fund your child's education goal, adjusted for inflation.
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Intermediate
ULIP vs Term + MF
Which gives better wealth? Compare ULIP vs buying term insurance + investing the rest.
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Advanced
Term Premium Estimator
Approximate annual premium for your desired term insurance cover by age and amount.
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Beginner
Critical Illness Cover
Recommended CI cover amount based on your age, income, and annual medical costs.
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Intermediate
Health Premium Estimator
Estimate mediclaim premium for self or family floater based on age and cover amount.
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Beginner
Retirement & Savings
Corpus planner, NPS, EPF, SSY, SCSS & FIRE calculators
⭐ Top Pick
Retirement Planner
Goal-based retirement corpus calculation accounting for inflation and life expectancy.
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Intermediate
NPS Calculator
NPS Tier-1 corpus and monthly pension from annuity at retirement age.
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Beginner
EPF Calculator
Employee Provident Fund corpus at retirement with current balance and contributions.
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Beginner
Sukanya Samriddhi (SSY)
SSY maturity at 8.2% p.a. — the best government scheme for a girl child's future.
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Beginner
✨ New
FIRE Number Calculator
Your Financial Independence number using the 4% withdrawal rule + years to achieve it.
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Advanced
Senior Citizen Savings (SCSS)
SCSS interest and quarterly payouts at 8.2% p.a. for post-retirement income.
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Beginner
Wealth Drawdown Planner
How long does your retirement corpus last? Find a sustainable monthly withdrawal amount.
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Intermediate
Annuity Calculator
Estimate monthly pension income from an annuity plan based on corpus and annuity rate.
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Intermediate
Senior Citizen FD
FD maturity for senior citizens with higher interest rates (typically 0.25–0.50% extra).
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Beginner
Personal Finance Tools
Budgeting, goals, emergency fund, inflation & net worth tools
🔥 Popular
Wealth Goal Tracker
Monthly SIP amount needed to hit a specific wealth milestone in X years.
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Beginner
Inflation Calculator
What your money will actually be worth in 10–20 years after inflation erodes it.
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Beginner
Emergency Fund Calculator
How large your emergency fund should be and how far you are from the target.
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Beginner
Budget Planner (50/30/20)
Apply the 50/30/20 rule — needs, wants, and savings at a glance.
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Beginner
Net Worth Calculator
Assets minus liabilities — your true financial snapshot in seconds.
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Beginner
Savings Rate Calculator
Your savings rate determines your FIRE timeline — see the math behind the number.
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Beginner
Salary Hike Planner
How an increment changes your take-home pay after income tax and PF deductions.
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Beginner
Savings Goal
How much to save monthly — or how long it takes — to reach a specific savings target.
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Beginner
Daily Savings
How saving a small amount daily compounds into a big goal over time.
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Beginner
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IMPORTANT DISCLAIMER
Read Before You Invest or Decide
All calculators on this platform are for educational and illustrative purposes only. Please read the details below carefully.
Illustrative Projections Only
All returns, maturity values, and corpus estimates shown are hypothetical projections based on assumed rates. Actual results will vary based on market conditions, fund performance, and individual circumstances.
Not SEBI-Registered Advice
Fairstockbrokers.com is not a SEBI-registered investment advisor. Nothing on this platform constitutes personalised financial, tax, or legal advice. Always consult a qualified, registered professional before making investment decisions.
Market Risk Applies
Mutual fund investments, equity, and market-linked instruments are subject to market risk. Past performance is not indicative of future results. Please read all scheme-related documents carefully before investing.
Tax Laws Change
Tax calculations are based on FY 2026–27 rules as publicly available. Tax laws are subject to amendments by the government. Verify all tax-related figures with a chartered accountant before filing or planning.
Calculator Accuracy
While we strive for accuracy, calculator results may not account for all real-world variables — processing fees, exit loads, inflation adjustments, or product-specific terms. Use as a starting point, not a final number.
No Data Stored
All calculations happen locally in your browser. We do not collect, store, or transmit any personal financial data you enter in these calculators. Your inputs stay private.
Full Disclaimer: The information, tools, and calculators provided on Fairstockbrokers.com are solely for general informational and educational purposes. They do not constitute an offer to buy or sell any security, financial product, or instrument. Fairstockbrokers.com makes no representations or warranties — express or implied — about the completeness, accuracy, reliability, or suitability of any information. Any reliance you place on such information is strictly at your own risk. Fairstockbrokers.com will not be liable for any loss or damage, including indirect or consequential loss, arising from use of this platform. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Returns are not guaranteed.