Financial Calculators India

FinPilot is India's #1 personal finance calculator app — 36+ free tools for salary, SIP, EMI, tax, NPS, PPF and more. No login. No ads. Works offline.

FinPilot includes a loan calculator, interest calculator, investment calculator, mutual fund calculator, and retirement calculator — all built specifically for India.

Also includes India's simplest LIC XIRR Calculator — just enter your annual premium, policy term, and maturity amount to instantly know your true return rate. Most LIC policies give only 4–6% returns. Compare it against FD, PPF, and mutual funds to make smarter insurance decisions.

🧮 SALARY & TAX
- In-Hand Salary Calculator — CTC to monthly take-home
- Income Tax — Old vs New regime comparison
- HRA Exemption Calculator
- Gratuity Calculator
- Salary Hike Calculator
- Offer Comparison — compare two job offers
- Leave Encashment Calculator
- Freelancer Tax (Section 44ADA)

💹 MUTUAL FUNDS & SIP
- SIP Calculator with lumpsum and step-up
- Step-up SIP Calculator
- Lumpsum Calculator
- SWP — Systematic Withdrawal Plan
- CAGR Calculator
- Rule of 72

🏦 BANK & POST OFFICE
- Fixed Deposit (FD) Calculator
- Recurring Deposit (RD) Calculator
- PPF Calculator — 7.1% tax-free returns
- Sukanya Samriddhi Yojana (SSY) — 8.2%
- Compound Interest Calculator
- Simple Interest Calculator
- GST Calculator

🎯 PLANNING & GOALS
- Child Education Planner
- Budget Planner (50/30/20 rule)
- Financial Health Score
- Inflation Calculator
- Emergency Fund Calculator
- FIRE Calculator — Financial Independence
- Net Worth Calculator
- Retirement Corpus Calculator

🏠 LOANS & EMI
- Home/Car/Personal Loan EMI Calculator
- Home Loan Tax Benefit (Sec 24 + 80C)
- Loan Prepayment Savings Calculator
- Debt-to-Income Ratio Calculator

🛡️ RETIREMENT
- NPS Calculator
- Retirement Corpus Calculator

📊 TAX ON INVESTMENTS
- Capital Gains Tax — Equity, Debt, Property, Gold

✨ KEY FEATURES
- 36+ calculators, all free forever
- Light and dark mode
- Works fully offline
- Zero data collection — everything stays on your device
- India-specific: EPF, PPF, NPS, SSY, GST, HRA
- Yearly amortization tables
- Share results via WhatsApp
- Finance news and salary updates

Built by the team behind salarytools.in — India's salary and finance calculator platform.

Official Sources: PPF & interest rates: https://www.rbi.org.in | SSY scheme: https://www.indiapost.gov.in | NPS details: https://www.npstrust.org.in | Income Tax slabs: https://www.incometax.gov.in | EPF rules: https://www.epfindia.gov.in | GST: https://www.gst.gov.in

⚠️ Disclaimer: FinPilot is an independent, privately developed app and is NOT affiliated with, endorsed by, or representing any government entity or department. All calculations are for informational purposes only. Tax rules and government scheme interest rates are subject to change — always verify with official sources before making financial decisions. FinPilot is not a SEBI-registered financial advisor.