NiveshWise:Finance Calculators

Make everyday financial calculations simpler with NiveshWise.

Nivesh Wise brings together 60+ easy-to-use financial calculators for loans, investments, property, taxes, savings, gold, insurance, retirement and other important money decisions.

Whether you are comparing a loan with an FD, calculating SIP returns, estimating the fair value of a flat or understanding the impact of inflation, Nivesh Wise helps you explore the numbers clearly.

WHAT YOU CAN CALCULATE

LOANS AND EMI
• EMI and loan repayment
• Loan versus FD
• Loan eligibility
• Prepayment and foreclosure impact
• Flat-rate versus reducing-rate interest
• Car, home and personal loan calculations

INVESTMENTS AND SAVINGS
• SIP and lump-sum returns
• Step-up SIP
• Compound interest
• Fixed deposits and recurring deposits
• Inflation-adjusted returns
• Goal-based investment calculations
• Retirement planning

PROPERTY CALCULATORS
• Buy versus rent
• EMI versus rent
• Flat price estimation
• Rental yield
• Property affordability
• Advanced city-based property calculations
• Maintenance, stamp duty and ownership-cost estimates

TAX AND SALARY
• Income-tax estimates
• Old versus new tax regime comparison
• Salary and in-hand income calculations
• Gratuity and retirement-related calculations

GOLD, INSURANCE AND OTHER TOOLS
• Gold value and return calculations
• Insurance return analysis
• Real return after inflation
• Percentage, CAGR and XIRR-style calculations
• Useful everyday money calculators

GOVERNMENT SCHEMES

Explore information and calculations related to useful Indian government savings, insurance, pension and welfare schemes.

Nivesh Wise is not affiliated with, authorised by or endorsed by any government entity. Government scheme information is provided for general awareness. Always verify eligibility, terms and current information from the relevant official government source before making a decision.

DESIGNED FOR INDIAN USERS

• Calculations in Indian rupees
• Simple and understandable results
• English, Hindi and Marathi support
• Light and dark modes
• No account required
• Clear input explanations
• Results designed for easy comparison

WHY NIVESH WISE?

Financial decisions are often presented using confusing percentages, long formulas and sales-driven explanations. Nivesh Wise converts those numbers into understandable calculations so you can compare alternatives before making a decision.

IMPORTANT DISCLAIMER

Nivesh Wise is an independent financial-calculation and educational utility. It does not provide investment, legal, tax, insurance or lending advice. Calculations are estimates based on the information entered by the user and the assumptions shown inside each calculator.

Actual returns, taxes, interest rates, property values, loan terms, government-scheme benefits and other results may differ. Please verify important information independently and consult a qualified professional where required.

Nivesh Wise does not provide loans, accept deposits, execute investments, sell insurance or guarantee financial returns.

NiveshWise is the official app and brand name.

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