Numbers first, decisions after.
Ten quick calculators for tax, loans and investments. Everything runs in your browser — nothing is stored.
EMI Calculator
Monthly instalment, total interest and total outgo on any loan.
- Monthly EMI
- ₹22,493
- Total interest
- ₹28,98,356
- Total payment
- ₹53,98,356
Works out the monthly instalment on a home, business or personal loan, along with the total interest you will pay over the full tenure.
Who it's for
Home buyers, business owners planning a term loan, and anyone comparing lender offers.
Key information
- A longer tenure lowers the EMI but sharply increases total interest.
- Even a 0.25% lower rate can save lakhs over a 20-year loan.
- Home loan interest and principal may qualify for deductions — check which regime you are in.
Income Tax — Old Regime
Tax payable under the old regime after deductions.
- Total tax (incl. 4% cess)
- ₹1,06,600
- Taxable income
- ₹9,50,000
- Effective rate
- 8.9%
Estimates tax under the old regime, where deductions such as 80C, 80D, HRA and home loan interest reduce your taxable income.
Who it's for
Salaried individuals and professionals with significant deductions or housing loans.
Key information
- Compare the result with the new regime before you choose.
- Keep proofs for every deduction you claim.
- The regime choice can differ year to year for salaried taxpayers.
Income Tax — New Regime
Tax payable under the new regime slabs with standard deduction.
- Total tax (incl. 4% cess)
- ₹0
- Taxable income
- ₹11,25,000
- Effective rate
- 0.0%
Estimates tax under the new regime slabs with the standard deduction, without most exemptions and deductions.
Who it's for
Taxpayers with few deductions, new earners and those who prefer a simpler filing.
Key information
- The new regime is the default — you must opt out to use the old one.
- Run both calculators side by side before filing.
- Business income has restrictions on switching regimes each year.
FIRE Calculator
The corpus you need to retire early, and how long it takes.
- FIRE corpus needed
- ₹2,25,00,000
- Time to reach it
- 11 yr 3 mo
- Annual withdrawal
- ₹9,00,000
Calculates the corpus you need for financial independence at your chosen withdrawal rate, and how long your current investing pace takes to get there.
Who it's for
Professionals and founders planning early retirement or a work-optional life.
Key information
- A 4% withdrawal rate is a common starting assumption, not a guarantee.
- Model expenses in today's money and revisit annually for inflation.
- Tax on withdrawals matters — plan the asset mix, not just the number.
SIP Calculator
What a monthly SIP grows into over time.
- Maturity value
- ₹58,08,477
- Total invested
- ₹30,00,000
- Estimated gains
- ₹28,08,477
Projects what a monthly SIP grows into, splitting the maturity value into what you invested and what the returns added.
Who it's for
Salaried investors, first-time mutual fund investors and goal-based savers.
Key information
- Starting five years earlier usually beats investing a larger amount later.
- Step up the SIP with each salary revision.
- Returns are indicative — equity outcomes vary year to year.
CAGR Calculator
Compound annual growth rate between two values.
- CAGR
- 20.11%
- Absolute return
- 150.0%
- Gain
- ₹7,50,000
Converts a start value and an end value into the compound annual growth rate, so you can compare very different investments fairly.
Who it's for
Investors, business owners tracking revenue growth and anyone reviewing a portfolio.
Key information
- CAGR smooths volatility — it hides the bumpy years.
- Always compare CAGR over identical periods.
- Compare post-tax outcomes, not just headline growth.
Lumpsum Calculator
Future value of a one-time investment.
- Maturity value
- ₹31,05,848
- Invested
- ₹10,00,000
- Estimated gains
- ₹21,05,848
Shows the future value of a one-time investment at an expected annual rate of return.
Who it's for
Anyone deploying a bonus, maturity proceeds or a business surplus.
Key information
- Consider staggering a large lumpsum into the market over a few months.
- Match the tenure to the goal, not to the product.
- Factor in exit loads and capital gains tax.
Loan Eligibility
Indicative loan amount and repayment based on your income.
- Eligible loan amount
- ₹61,12,972
- EMI capacity
- ₹55,000
- Total repayment
- ₹1,32,00,000
Estimates how much a lender may sanction, based on your income, existing EMIs and the FOIR most lenders apply.
Who it's for
Home and business loan applicants checking affordability before applying.
Key information
- Closing a small existing EMI can meaningfully raise eligibility.
- Credit score, income stability and documentation still decide the final sanction.
- Keep total EMIs comfortably below the lender's FOIR ceiling.
GST Calculator
Add GST to a base price or extract it from a gross amount.
- GST (exclusive)
- ₹18,000
- Total with GST
- ₹1,18,000
- GST inside this amount
- ₹15,254
Adds GST to a base price or extracts the GST already sitting inside a gross amount, at any rate you choose.
Who it's for
Businesses raising invoices, freelancers quoting clients and buyers verifying bills.
Key information
- Check the correct HSN/SAC rate before invoicing.
- Input tax credit depends on your supplier actually filing their return.
- Registration thresholds differ by state and by type of supply.
FD / Investment Calculator
Maturity value of a fixed deposit, compounded quarterly.
- Maturity value
- ₹7,07,389
- Interest earned
- ₹2,07,389
- Principal
- ₹5,00,000
Calculates the maturity value and interest earned on a fixed deposit, compounded quarterly.
Who it's for
Conservative savers, retirees and businesses parking short-term surplus.
Key information
- FD interest is taxable at your slab rate — the post-tax return is lower than it looks.
- TDS applies above the prescribed interest threshold.
- Laddering deposits keeps liquidity without breaking a single large FD.
These calculators give indicative estimates based on the inputs provided and commonly applicable rules. They are not tax or investment advice — talk to a Bluman Chartered Accountant before acting on the numbers.