PaisaBahi
Every rupee, accounted. Free calculators for Indian money decisions.
Updated for FY 2026-27 · Budget 2026

SIP Calculator

See what a monthly SIP grows into — with an optional yearly step-up, the way most people actually invest.

%
yrs
%
SIP · Projection
Total invested
Estimated returns
Maturity value
Invested Returns

Start this SIP today

Open a free demat & mutual fund account online in about 10 minutes. Zero commission on direct funds.

Open free account →

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Lumpsum Calculator

Got a bonus, maturity payout or savings sitting idle? See what one-time investing can do.

%
yrs
Lumpsum · Projection
Invested
Estimated returns
Maturity value
Invested Returns

Put that money to work

Invest in index funds and stocks with a free online account — paperless KYC, done in minutes.

Open free account →

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EMI Calculator

Home, car or personal loan — know your monthly EMI and the real interest you'll pay before you sign.

%
yrs
Loan · Repayment
Monthly EMI
Principal
Total interest
Total payment
Principal Interest

Check your credit score free

A better score can knock 0.5–1% off your loan rate — worth lakhs over a home loan tenure.

Check score / compare loans →

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Income Tax Calculator FY 2026-27 (AY 2027-28)

New regime vs old regime, side by side — with rebate, surcharge and cess handled for you.

Counted only under the old regime. New regime allows almost none of these.

Tax · New vs Old Regime
Tax — New regime
Tax — Old regime
You save with
Tax payable (incl. cess)

File your ITR in minutes

Pre-filled forms, regime comparison and expert help — file online without a CA visit.

File ITR online →

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Estimates for resident individuals below 60 under the Income-tax framework for FY 2026-27 (slabs unchanged in Budget 2026). Includes §87A rebate, marginal relief at ₹12L (new regime), surcharge above ₹50L and 4% cess. Marginal relief on surcharge and special-rate income (capital gains etc.) not modelled. Not tax advice.

FD Calculator

Fixed deposit maturity with quarterly compounding — the way Indian banks actually calculate it.

%
yrs
FD · Maturity
Principal
Interest earned
Maturity value
Principal Interest

Get higher FD rates

Small finance banks and corporate FDs often pay 1–2% more than big banks, with DICGC insurance up to ₹5 lakh.

Compare best FD rates →

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PPF Calculator

The 15-year tax-free favourite. See your Public Provident Fund grow with yearly contributions.

%
yrs

Minimum lock-in is 15 years; extendable in 5-year blocks.

PPF · Maturity (tax-free)
Total invested
Interest earned
Maturity value
Invested Interest

Want to beat 7.1%?

PPF is great for safety. For long horizons, many investors pair it with equity index funds via SIP.

Explore index fund SIPs →

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GST Calculator

Add GST to a base price, or pull the GST out of an inclusive price — under the simplified two-slab structure.

%
GST · Breakup
Base amount
GST (CGST + SGST)
Total (incl. GST)

Billing & GST filing, sorted

Create GST invoices and file returns online — built for small businesses and freelancers.

Try GST software →

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HRA Exemption Calculator

Paying rent? See how much of your House Rent Allowance escapes tax under the old regime.

HRA · Exemption (old regime)
HRA received
HRA exempt from tax
Taxable HRA

Maximise your salary tax breaks

HRA, 80C, regime choice — file your ITR with expert review and claim everything you're owed.

File ITR with expert help →

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Exemption = least of: actual HRA received, rent paid minus 10% of basic+DA, and 50% (metro) / 40% (non-metro) of basic+DA. Available only under the old tax regime. If yearly rent exceeds ₹1 lakh, your landlord's PAN is required.

Retirement Calculator

The most important number of your life: the corpus you'll need — and the monthly SIP that gets you there.

yrs
yrs
%
%
%
yrs
Retirement · Your target
Monthly expenses at retirement
Corpus you'll need
Monthly SIP to get there

Start your retirement SIP now

Every year you wait roughly doubles the monthly SIP you'll need. Open a free account and automate it.

Start investing free →

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SWP Calculator

Systematic Withdrawal Plan — turn a corpus into a monthly income and see how long it lasts.

%
yrs
SWP · Income plan
Total withdrawn
Corpus lasts
Balance at the end

Set up a monthly income

SWPs from debt and hybrid funds are a tax-smart alternative to FD interest for regular income.

Explore SWP funds →

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