India Finance Calculators
12 free, accurate calculators for FY 2026-27 — every result cross-checked against RBI, CBDT, CBIC, India Post and major bank rate cards, accurate to the rupee.
Loans
EMI, home loan, amortization
Tax
Income tax, GST, capital gains, crypto, salary
Income Tax Calculator
Old vs new regime comparison, 87A rebate, surcharge with marginal relief, all Chapter VI-A deductions.
GST Calculator
Forward + reverse GST at every CBIC slab. CGST/SGST/IGST split, discount handling, cess.
Capital Gains Calculator
STCG/LTCG by asset, CII indexation, 12.5%/20% choice for property, 54EC bonds.
Crypto Tax Calculator
30% Section 115BBH on VDA gains, 1% TDS u/s 194S, gift / airdrop / mining FMV.
Salary Calculator
CTC → monthly in-hand. Basic/HRA/special split, PF, gratuity, HRA exemption, TDS.
Investments
SIP, PPF
Banking
FD, RD
Lifestyle
Retirement, FIRE planning
Forex
Currency conversion, LRS TCS
Why MoneyKit?
- Accurate to the rupee. Even on a 30-year EMI schedule or a ₹100 crore retirement corpus, totals match the bank’s down to the rupee — no rounding drift.
- Cross-checked against authoritative sources. EMI fixtures match published BankBazaar / SBI / HDFC tables within ₹1. Income tax matches Income Tax India examples. PPF maturity matches India Post NSI within ₹5.
- Current FY 2026-27 rules. Income tax slabs (new + old regime), capital gains rates from the latest Finance Act, current GST notifications, and Section 206C(1G) LRS TCS rules — all kept in sync with the Budget that’s actually in force this year.
- No signup, no tracking. Everything runs client-side. Your numbers never leave your browser.
- Shareable URLs. Every calculation can be shared as a clean URL — great for advisors and group decision-making.
- Polished PDF reports. Every calculator generates a branded PDF with your inputs, breakdown and applicable rate citations.
Quick links to popular calculators
Most-searched scenarios with prefilled URLs — bookmark or share.
- ₹50L home loan EMI @ 8.5% for 20 years
- ₹15L salary new regime tax
- GST on ₹10K @ 18%
- ₹10K monthly SIP for 20 years @ 12%
- ₹1.5L PPF for 15 years
- ₹1L FD @ 7% for 5 years
- ₹5L FD premature withdrawal penalty
- ₹1cr Mumbai home loan total cost
- ₹25L CTC old regime in-hand
- Property LTCG: 12.5% vs 20% indexation
- Retirement corpus needed at 60
Frequently asked questions
Is MoneyKit free to use?
Yes. Every calculator is free, with no sign-up, no paywalls, and no data collection. PDF reports and shareable URLs are included at zero cost.
How accurate are MoneyKit calculators?
Every engine is cross-checked against RBI, CBDT, CBIC, India Post, and major bank calculators using published fixtures. Discrepancies above ₹1 fail our CI — tests run on every commit.
Does MoneyKit use current FY 2026-27 tax rules?
Yes. Income tax slabs (new and old regime), capital-gains rates, GST notifications, PPF rate, and Section 206C(1G) LRS TCS rules are all synced with the Finance Act currently in force.
Which calculators are available on MoneyKit?
EMI, Income Tax (Old vs New), GST, SIP, PPF, FD, Home Loan, Capital Gains, Crypto Tax (Section 115BBH), Salary (CTC → in-hand), Retirement / FIRE, and Currency Converter with LRS TCS — 12 calculators in total.
Does MoneyKit share my data with anyone?
No. All calculations run entirely in your browser. Numbers never leave your device — we have no server-side processing of personal financial inputs.
Can I share a calculation with someone else?
Yes. Every calculator has a Copy Share Link button that encodes your inputs into a URL. Anyone who opens the link sees the same numbers, prefilled — ideal for advisors and group decisions.
Does MoneyKit generate PDF reports?
Yes. Every calculator has a one-click PDF download with your inputs, the full breakdown, and the applicable regulatory citations.
Is MoneyKit a bank, broker, or SEBI-registered advisor?
No. MoneyKit is an independent calculator tool, not affiliated with any bank, NBFC, broker, or registered investment adviser. We do not offer financial advice — results are computational only.