Financial Calculators
21 free calculators to plan investments, loans, savings, retirement and tax in India — SIP, EMI, FD, PPF, income tax, CAGR, XIRR and more. No sign-up, instant results, updated for FY 2026–27.
- Calculators
- 21
- Calculators
- Always free
- ₹0
- Always free
- Tax rules
- FY 26–27
- Tax rules
SIP Calculator
Plan your investments and estimate returns for monthly SIP, lumpsum, and goal-based SIP with Stocker’s SIP calculator.
Step-up SIP Calculator
Calculate returns for Step-up SIP investments where your contribution increases annually for higher wealth creation.
EMI Calculator
Easily calculate monthly EMI, interest costs, and repayment schedules for personal, home, and car loans.
Insurance Calculator
Estimate your ideal life and term insurance coverage based on your income, age, and liabilities with Stocker’s insurance calculator.
SWP Calculator
Plan your regular withdrawals and track investment growth with the Systematic Withdrawal Plan calculator.
STP Calculator
Plan systematic transfers between mutual funds and optimize your portfolio with the Systematic Transfer Plan calculator.
Retirement Calculator
Estimate the savings and investments required to achieve a comfortable retirement with our retirement calculator.
NPS Calculator
Calculate maturity value, annuity, and pension benefits of your National Pension Scheme investments.
Income Tax Calculator
Calculate your income tax for the current and future financial years.
FD Calculator
Calculate fixed deposit maturity value and interest earned with monthly, quarterly, half-yearly or yearly compounding using Stocker's free FD calculator.
RD Calculator
Calculate recurring deposit (RD) maturity amount and interest for bank and post office RDs with quarterly compounding using Stocker's RD calculator.
PPF Calculator
Calculate PPF maturity amount and interest for 15 years or extended tenures at the latest Public Provident Fund rate with Stocker's PPF calculator.
Sukanya Samriddhi Calculator
Calculate Sukanya Samriddhi Yojana (SSY) maturity amount, interest and maturity year for your daughter's education and marriage with Stocker's SSY calculator.
CAGR Calculator
Calculate the CAGR (compound annual growth rate) of stocks, mutual funds or any investment from its start value, end value and holding period.
XIRR Calculator
Calculate XIRR — the true annualised return — on your mutual fund SIPs, stocks or any investments made on different dates with Stocker's XIRR calculator.
Compound Interest Calculator
Calculate compound interest and maturity amount with yearly, half-yearly, quarterly or monthly compounding using Stocker's compound interest calculator.
Stock Average Calculator
Calculate the average buy price of a stock across multiple purchases, your profit or loss, and how many shares to buy to reach a target average.
Inflation Calculator
Calculate the future cost of goods and the falling purchasing power of money due to inflation in India with Stocker's inflation calculator.
GST Calculator
Add or remove GST from any amount at 5%, 18%, 40% or custom rates and see CGST, SGST and IGST split with Stocker's free GST calculator.
HRA Calculator
Calculate your HRA exemption and taxable HRA under Section 10(13A), updated for the 8 metro cities from FY 2026-27, with Stocker's HRA calculator.
Gratuity Calculator
Calculate the gratuity amount you will receive from your employer using the 15/26 formula, updated for the new labour codes, with Stocker's gratuity calculator.
Calculators for every money decision
Whether you are starting your first SIP, comparing a fixed deposit with PPF, checking your stock returns or choosing a tax regime, there is a calculator built for it. Here is what each group of tools helps you do.
Investing calculators
Project how mutual fund investments grow. The SIP and Step-up SIP calculators show long-term wealth from monthly investing, STP helps you move a lump sum into equity gradually, and SWP plans a steady monthly income from your corpus.
Savings & Schemes calculators
Compare guaranteed-return options. Work out bank FD and RD maturity values, and plan tax-free government schemes like PPF and Sukanya Samriddhi Yojana with the latest interest rates.
Returns & Stocks calculators
Measure how your investments have actually performed. Use CAGR for a single lump-sum investment, XIRR for SIPs and multiple purchases, and the stock average calculator to track your average buy price and plan averaging down.
Retirement & Protection calculators
Plan for the long run. Find the corpus you need to retire, estimate your NPS pension, calculate gratuity from your employer, see how inflation erodes money, and work out the right term insurance cover for your family.
Tax & Loans calculators
Handle everyday money decisions. Compare old and new income tax regimes, calculate your HRA exemption, add or remove GST from a price, and plan home, car or personal loan EMIs.
Common financial formulas at a glance
Every Stocker calculator uses standard, transparent formulas. Here are the ones investors look up most often — open any calculator for a full explanation with worked examples.
| Calculator | Formula |
|---|---|
| SIP Calculator | FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i) |
| EMI Calculator | EMI = P × r × (1 + r)ⁿ ÷ [(1 + r)ⁿ − 1] |
| FD Calculator | A = P × (1 + r ÷ n)^(n × t) |
| CAGR Calculator | CAGR = (End ÷ Start)^(1 ÷ years) − 1 |
| Inflation Calculator | Future cost = Cost × (1 + inflation)ⁿ |
| Gratuity Calculator | Gratuity = Salary × 15 × Years ÷ 26 |
Why use Stocker's financial calculators?
Financial decisions are easier when you can see the numbers first. A good calculator turns abstract goals — “retire comfortably” or “buy a home” — into concrete monthly targets you can act on. Stocker's tools are built for Indian investors, using INR, Indian tax rules and realistic assumptions.
- 100% free & private: every calculation runs in your browser — no sign-up, no data stored.
- Built for India: INR formatting, FY 2025–26 and FY 2026–27 tax rules, current PPF/SSY rates, GST 2.0 slabs and the new labour codes.
- Goal-focused: see exactly how much to invest, for how long, to reach a target.
- Instant & mobile-friendly: results update live as you change inputs, on any device.
How to use these calculators
- Pick a calculator above — use the category chips or search to find it quickly.
- Enter your numbers: amount, expected return or interest rate, and time period.
- Read the result instantly and open the year-wise breakdown where available.
- Change one input at a time to compare scenarios — a bigger SIP, a shorter loan, or the old vs new tax regime.
- Read the guide and FAQs below each calculator to understand the formula and assumptions.
Results are estimates for planning. Market-linked returns can vary, and government scheme rates are revised periodically, so check the latest rates before investing.
Frequently Asked Questions
Common questions about Stocker's free online financial calculators.
Yes. Every calculator on Stocker — including SIP, Step-up SIP, EMI, FD, RD, PPF, Sukanya Samriddhi, NPS, Retirement, Income Tax, HRA, Gratuity, GST, CAGR, XIRR, Stock Average and Inflation — is completely free, with no usage limits and no hidden charges.
No account or login is required. The calculators run instantly in your browser, so you can plan your investments and loans without sharing any personal details.
Yes. Tax-related tools like the Income Tax calculator are updated for the current financial year (FY 2025–26 and FY 2026–27), including the latest slabs, standard deduction and rebate rules under the new regime.
Use the SIP calculator to project returns on a fixed monthly investment, the Step-up SIP calculator if you plan to increase your contribution every year, and the SWP calculator to plan regular withdrawals after you have built a corpus.
The calculators use standard, transparent financial formulas (such as compound interest and reducing-balance EMI). Results are reliable estimates for planning, but actual returns from market-linked products can vary because they depend on real market performance.
CAGR measures the yearly growth rate of a single lump-sum investment between two dates. XIRR measures the annualised return when you invest several times on different dates, such as a SIP. Use the CAGR calculator for one-time investments and the XIRR calculator for SIPs and staggered purchases.
FDs suit a lump sum for a fixed period, RDs suit monthly saving for short-term goals, and PPF and Sukanya Samriddhi are long-term, tax-free government schemes. PPF and SSY usually pay higher, tax-free interest but lock your money in for 15 years or more. Use each calculator to compare maturity values for your amount and time frame.
Use the Inflation calculator to find what a goal will cost in the future, then use the SIP or Retirement calculator with that inflation-adjusted target. At 6% inflation, costs roughly double every 12 years.
Yes. All Stocker calculators are fully mobile-friendly and work on any device — phone, tablet or desktop — directly from your browser.