Free Calculators

Free Online Financial Calculators for India

SAGVYN provides free online calculators for students, working professionals, and investors in India. Whether you need an EMI calculator, SIP return calculator, GST calculator, FD calculator, or income tax calculator, all tools are instant, accurate, and require no sign-up.

🏠 EMI Calculator — How is EMI Calculated?

EMI (Equated Monthly Instalment) is the fixed monthly payment you make towards a loan. The formula is:

EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

Where P = Principal loan amount, r = Monthly interest rate (Annual rate ÷ 12 ÷ 100), n = Loan tenure in months. Use the EMI calculator above for home loans, car loans, personal loans, and education loans.

📈 SIP Calculator — How to Calculate Mutual Fund SIP Returns?

A Systematic Investment Plan (SIP) lets you invest a fixed amount monthly in mutual funds. The SIP return formula uses compound interest:

M = P × ((1 + r)ⁿ − 1) ÷ r × (1 + r)

Where P = Monthly SIP amount, r = Monthly return rate, n = Number of months. Long-term SIP investments benefit from the power of compounding. Start early for maximum wealth creation.

📑 GST Calculator — How to Add or Remove GST?

Goods and Services Tax (GST) in India is applied at multiple slabs: 5%, 12%, 18%, and 28%. To calculate GST:

• Add GST: GST Amount = Original Price × GST% ÷ 100. Final Price = Original Price + GST Amount.
• Remove GST: Original Price = Final Price ÷ (1 + GST% ÷ 100). GST Amount = Final Price − Original Price.

Use this GST calculator for billing, invoicing, eCommerce pricing, and business tax compliance.

🏦 FD Calculator — Fixed Deposit Maturity Calculation

Fixed Deposits (FDs) offer guaranteed returns. Maturity amount for compound interest FDs:

A = P × (1 + r/n)^(n×t)

Where P = Principal, r = Annual interest rate, n = Compounding frequency, t = Time in years. Compare FD rates across banks to maximise returns.

💼 Income Tax Calculator India — New vs Old Regime

Calculate your income tax liability under both old and new tax regimes for FY 2024-25. The new tax regime offers lower slab rates but removes most deductions. Compare both to find which regime saves you more tax before filing your ITR.

⚖️ BMI Calculator — Body Mass Index

BMI = Weight (kg) ÷ Height² (m²). A BMI below 18.5 is Underweight, 18.5–24.9 is Normal, 25–29.9 is Overweight, and 30+ is Obese. Use the BMI calculator to check your health status instantly.

🎓 SGPA to CGPA Calculator

Convert your SGPA (Semester Grade Point Average) to CGPA (Cumulative GPA) and percentage instantly. Formula: CGPA = Average of all SGPAs. Percentage ≈ CGPA × 9.5 (as per CBSE / most Indian universities).

Frequently Asked Questions