Lumpsum Calculator &
Loan Calculator —
beautifully simple
21 fast, private calculators for every money decision — lumpsum calculator & loan calculator plus SIP, SWP, PPF, EPF, daily compound interest, inflation & FIRE. No tracking, no servers — just instant math on your device.
Compound Interest
Watch your wealth snowball. Monthly contributions + returns over decades.
SIP Calculator
Monthly SIP → maturity value, invested vs gain, with real value.
FD Calculator
Calculate maturity value and interest earned on your Fixed Deposit.
Net Worth Calculator
Subtracts what you owe from what you own to find your true financial standing.
Lumpsum Calculator
One-time investment growth — nominal and inflation-adjusted.
SWP Calculator
Monthly withdrawals from corpus — how long will it last?
PPF Calculator
PPF 7.1% — 15-year tax-free compounding with yearly deposits.
EPF Calculator
EPF corpus from monthly contributions + interest to retirement.
CAGR Calculator
Compound annual growth rate between two values.
FIRE Calculator
When can you retire early? Savings rate → freedom date.
Loan Amortization
EMI, interest split & full payoff schedule for any loan.
Retirement Planner
Will you outlive your money? Plan withdrawals & runway.
Millionaire Roadmap
At what age will you hit $1,000,000?
Inflation Calculator
What will $100k buy in 20 years? Purchasing power eroded.
SIP Step-Up
Increase SIP yearly as income grows — final corpus explodes.
Expense Ratio Impact
0.03% vs 1% — the six-figure fee drag over 30 years.
Debt Snowball vs Avalanche
Compare payoff strategies side-by-side.
Rent vs Buy
The true cost of homeownership vs renting & investing difference.
Rule of 72
How fast does money double at any return rate?
Historical Backtest
Backtest S&P 500, NASDAQ or bonds with real annual returns.
Tax-Loss Harvesting
Offset gains with losses & carry forward — tax saved.
Private by design
Every calculation runs in your browser. We never see your numbers, never store them, never sell them. Share via URL — the params stay in the link, not on a server.
Instant & shareable
Sliders, charts, tables — all update live. Copy a shareable URL that restores exact inputs. Export tables to CSV for your spreadsheet.
Built for decisions
Not just numbers — context. Verdicts, warnings, and explainers help you act. FIRE dates, fee drag in lakhs/crores, rent vs buy equity curves.
Complete guide
Lumpsum Calculator, Loan Calculator and Every Money Decision in Between
Finance Calculators is a free, private suite of 21 financial calculators built for India and the world. Whether you need a lumpsum calculator for a one-time investment or a loan calculator (EMI calculator) before taking a home loan, all math runs 100% in your browser — no tracking, no signup, no server. Change the currency to INR, USD, EUR, GBP or JPY and every chart, table and CSV follows instantly.
Lumpsum Calculator — See What One Investment Becomes
A lumpsum calculator answers the simplest question: if I invest ₹5,00,000 once at 12% for 10 years, what do I get? We show nominal future value with FV = P × (1+r)n, total gain, the growth curve, and the inflation-adjusted real value so you know what it buys today. It is perfect for windfalls, bonuses or inheritance. Pair it with our SWP lumpsum calculator flow: first grow the corpus with the lumpsum tool, then switch to SWP to test sustainable monthly withdrawals — how long will ₹1 crore last at ₹50,000 per month?
Loan Calculator — EMI, Interest and Full Amortization Schedule
Our loan calculator is an EMI calculator that does more than EMI = P×r(1+r)n/((1+r)n−1). Enter loan amount, rate and tenure and you get monthly EMI, total interest, total paid, and a year-by-year amortization table and balance chart. Add an extra monthly payment — say ₹5,000 — and see instantly how many years and how much interest you save; an extra ₹200 on a 30-year mortgage can cut six years and save lakhs. Export the schedule to CSV, share the URL with your partner, and compare prepayment vs investing elsewhere. Works for home loan, car loan, education loan and personal loans.
SIP Calculator, SIP Calculator with Step-Up and SIP Calculator with Inflation
SIP calculator projects your monthly SIP to corpus: invested vs gain, with live charts and yearly breakdown. Salaries grow, so use the SIP calculator with step up — increase your SIP by 10% each year and watch the corpus explode versus a flat SIP; even a 5–10% step-up can add 30–40% more wealth over 20 years. Then run the SIP calculator with inflation view: we show real, inflation-adjusted value so a ₹2 crore corpus at 6% inflation is shown as today’s purchasing power. Together they stop the common mistake of planning in nominal numbers only.
SWP Lumpsum Calculator and SWP Calculator — From Corpus to Cashflow
Retired or planning FIRE? The SWP lumpsum calculator and SWP calculator test how long your corpus survives monthly withdrawals. Set corpus, withdrawal, expected return and inflation — we show depletion year, total withdrawn and the danger zone where withdrawals exceed growth. Use it after the lumpsum calculator: build the corpus, then stress-test SWP at 7%, 8% and 9% returns before you quit your job.
PPF Calculator and PPF Calculator Monthly — 7.1% Tax-Free Compounding
The government-backed PPF calculator models the 15-year Public Provident Fund at the current 7.1% rate with yearly compounding and EEE tax benefit. Choose yearly or use the PPF calculator monthly mindset: ₹12,500 per month (₹1.5 lakh per year, the 80C limit) and see maturity, interest split and year-by-year balance, with extension beyond 15 years. Compare PPF vs EPF vs SIP to decide where your 80C and long-term debt allocation should go.
EPF Calculator — Your Employee Provident Fund at Retirement
The EPF calculator projects your EPF corpus from monthly employee + employer contributions, current interest rate and years to retirement, including salary growth. See invested vs interest, the final corpus at 58, and how a 1% higher hike compounds to crores. Switch to INR and the in-words display shows lakhs and crores automatically, so you can plan how much EPF alone covers your retirement.
Daily Compound Interest Calculator — Compounding Every Day
Interest that compounds daily grows faster than yearly. Our daily compound interest calculator (compound interest calculator with daily, monthly and yearly options) shows future value, contributions vs earnings, and the full growth curve. Set principal, monthly addition, rate, compounding frequency and tenure — we chart contributions vs earnings in real time. Use the daily option to sanity-check savings accounts, or yearly to compare mutual funds. The table and CSV make it easy to show clients or family the power of starting early.
Inflation Calculator and Inflation Calculator India — Future Buying Power
A corpus number means nothing without context. The inflation calculator turns future money into today’s money: purchasing power = future value ÷ (1+inflation)years. Our inflation calculator India defaults to Indian realities — 6% CPI for long-term planning — and lets you test 5–7% scenarios. See what ₹1 lakh today buys in 20 years, or what a ₹2 crore goal really needs to be in nominal terms. Every other calculator links to this real-value view so you never plan in illusions.
Expense Ratio Calculator — How 1% Becomes a Crore
Fees compound too. The expense ratio calculator compares two funds at the same gross return but different TER — for example 0.05% vs 1%. Over 30 years, that 0.95% gap can erase ₹30–40 lakh on a ₹15,000 SIP. We show both final values, the six-figure drag, and a doughnut of fee vs wealth, so you can prove to yourself why direct plans and index funds matter more than chasing 1% extra return.
FIRE Calculator — When Can You Retire Early?
Financial Independence, Retire Early is a number, not a dream. The FIRE calculator takes your FIRE target (25×–30× annual expenses), current savings, monthly investable amount, expected return and inflation, and tells you the year you hit FIRE, the required corpus and the gap. Adjust savings rate and see the freedom date move by years — it’s the fastest way to answer “if I save ₹50,000 instead of ₹30,000, how much earlier do I retire?”
Why Finance Calculators? Private, instant and built for decisions
All 21 tools work offline after load, sync inputs to the URL for one-click sharing, and let you toggle USD, INR, EUR, GBP, JPY instantly. We use standard formulas (SIP FV, EMI, CAGR, PPF/EPF compounding) and show assumptions clearly. No paywall, no account, no cookies — just charts, tables, verdicts and CSV export that help you act today, whether you are comparing a lumpsum calculator vs SIP, testing a loan calculator prepayment, or choosing between PPF, EPF and mutual funds.
Frequently asked questions
Tap a question to see the answer.
Are my numbers sent anywhere?
No. All math runs locally in your browser. The only request is loading the page. URLs hold your inputs, not a server.
Can I share a calculation?
Yes — every calculator syncs inputs to the URL. Hit Share and send the link; the other person sees your exact sliders and chart.
How accurate are these?
We use standard formulas (e.g. SIP, EMI, CAGR). Assumptions are shown. For tax or a house, confirm with a professional.
Is it free?
Yes — fully. No paywall, no account. 21 calculators, all free forever.
Do you support INR and other currencies?
Yes — pick USD, EUR, GBP, INR or JPY in the header. Every slider, chart and CSV follows it instantly.
Can I export the table?
Where you see Export CSV (SIP, PPF, Loan, etc.), it downloads the exact yearly schedule in one click.
What are the uses of financial calculators?
Financial calculators help you plan every money move without guesswork. Use our lumpsum calculator for one-time investments, SIP calculator, SIP calculator with step up and SIP calculator with inflation for monthly habits, loan calculator for EMI and amortization, PPF calculator / PPF calculator monthly and EPF calculator for tax-free savings, daily compound interest calculator for daily compounding, inflation calculator and inflation calculator India for real buying power, plus expense ratio calculator and FIRE calculator for fees and early retirement. All 21 tools run locally.
Do financial calculators give accurate results?
Yes — when your inputs are realistic, results are formula-accurate. Our lumpsum calculator uses FV = P×(1+r)n, the loan calculator uses EMI = P×r(1+r)n/((1+r)n−1), SIP/SWP use monthly compounding, and PPF/EPF follow government compounding rules. Accuracy depends on constant return, tenure and inflation assumptions — we show real vs nominal, allow you to stress-test 6–12% returns, and warn when assumptions drift from market reality.
What are the benefits of using financial calculators?
Benefits are speed, clarity and privacy. In seconds you see corpus, interest, EMI or FIRE date with live charts and yearly tables — no spreadsheet needed. Compare a lumpsum calculator vs SIP calculator with step up, test loan calculator prepayments that save lakhs, or check expense ratio drag over 30 years. Every input syncs to a shareable URL, exports to CSV, respects currency (INR/USD/EUR/GBP/JPY) and never leaves your device — no signup, no tracking.
Is a lumpsum calculator easy to use?
Absolutely. Our lumpsum calculator needs just three inputs — investment amount, expected return and years — plus optional inflation. Move the slider and the future value, gain and inflation-adjusted real value update instantly with a growth curve and yearly breakdown. Switch currency to INR for lakhs/crores view, copy the URL to share, or export the table. No formula to remember.
Is an online lumpsum calculator accurate?
Yes. This online lumpsum calculator compounds precisely with FV = P×(1+r)n and shows real value as FV/(1+inflation)n. It matches Excel’s FV function to the rupee. Pair it with the inflation calculator India view and daily compound interest calculator frequency options to verify monthly vs yearly compounding. For planning, use a conservative 10–11% nominal (6–7% real) and confirm with your advisor.
Can a lumpsum calculator help with financial planning?
It is a planning starting point. Use the lumpsum calculator to set a target corpus, then build the journey: test how much extra SIP via the SIP calculator with step up you need, check sustainability with the SWP lumpsum calculator, and compare tax-free PPF calculator monthly or EPF calculator paths. The yearly table and real-value toggle turn a single number into a full plan you can share via URL.
Why is a loan calculator important?
A loan calculator prevents over-borrowing and reveals the true cost of debt. It breaks EMI into principal vs interest, shows total interest (often more than the loan itself), and the full amortization schedule by year. Try an extra ₹5,000 per month — on a ₹50 lakh home loan at 8.5% for 20 years you save ~₹9 lakh and 3 years. Export the schedule, compare prepayment vs investing, and negotiate tenure with evidence, not guesses.