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Financial Calculators
Built for Smart Indians

From EMI to FIRE — everything you need to make better money decisions. Free, instant, beautifully simple.

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23Calculators
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🏦 Loan Calculators 6 tools

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EMI Calculator

Calculate monthly EMI for any loan. Instant breakdown of principal, interest and total payable.

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Home Loan EMI

Specialized home loan calculator with amortization table and bank rate presets.

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Personal Loan EMI

Compare personal loan EMIs across different rates and tenures instantly.

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Car Loan EMI

Plan your car purchase. Calculate EMI, total interest and on-road cost breakdown.

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Loan Eligibility

Find the maximum loan amount you qualify for based on income and existing EMIs.

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Loan Prepayment

See how much interest you save by making partial prepayments on your loan.

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📈 Investment Calculators 7 tools

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SIP Calculator

Calculate mutual fund SIP returns. See compounding growth with monthly projections.

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Lumpsum Calculator

Find future value of a one-time investment at any expected rate of return.

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Compound Interest

Visualize compounding with monthly, quarterly or annual compounding frequency.

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FD Calculator

Calculate Fixed Deposit maturity amount and compare cumulative vs non-cumulative FDs.

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RD Calculator

Find out how much your monthly Recurring Deposit will grow to at maturity.

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PPF Calculator

Year-by-year PPF balance growth over the 15-year lock-in at 7.1% p.a.

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CAGR Calculator

Calculate the real annualised return on any investment over any time period.

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🧾 Tax & Salary 5 tools

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Income Tax Calculator

Compare new vs old tax regime for FY 2024-25. Find which saves you more tax.

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HRA Calculator

Calculate the exact HRA exemption you can claim under the old tax regime.

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Salary / CTC Calculator

Convert CTC to take-home pay. Break down PF, professional tax and all deductions.

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GST Calculator

Add or remove GST instantly. Calculate CGST, SGST and IGST for all slabs.

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Gratuity Calculator

Calculate gratuity entitlement based on last drawn salary and years of service.

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🚀 Advanced Planning 5 tools

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Inflation Calculator

Find the real future value of money after inflation. See how purchasing power erodes.

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Real Return Calculator

Calculate inflation-adjusted return on investments. See your real purchasing power gain.

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FIRE Calculator

Find your Financial Independence corpus and the date you can retire early.

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Net Worth Calculator

Calculate total net worth by listing assets and liabilities. Track your financial health.

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Budget Planner

Plan monthly budget using the 50/30/20 rule. Visual breakdown of needs, wants, savings.

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Why Havv.in Calculators?

Built to help you make smarter money decisions, faster.

Instant Results

Updates as you type. No page reloads, no waiting.

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Built for India

Indian tax slabs, RBI formulas, Indian financial products.

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Mobile First

Works perfectly on phone, tablet, or desktop.

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100% Private

All calculations in your browser. Nothing sent to servers.

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Correct Formulas

Every calculator uses the exact formula used by banks and RBI.

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Free Forever

No paywalls, no sign-ups. All 23 calculators, always free.

Frequently Asked Questions
Yes — all 23 calculators are completely free. No sign-up, no account, no fees ever.
Yes. Every calculator uses the standard formula prescribed by RBI, SEBI, or the Income Tax Act. Results match what your bank or CA would calculate.
No. All calculations run entirely in your browser using JavaScript. Nothing is sent to any server. Your data never leaves your device.
Use our Income Tax Calculator to compare both regimes side-by-side instantly. It shows your exact tax under both regimes and tells you which one saves more.