About this tool

EMICalcs is a set of 44 free finance calculators built for India, plus 4 side-by-side comparison tools and 11 long-form guides.

It covers loan EMI (home, car, personal, gold, overdraft), investments (SIP, step-up SIP, SWP, XIRR, CAGR), savings (FD, RD, PPF, NSC, Sukanya Samriddhi, Post Office MIS) and tax and salary (income tax FY 2026-27, HRA, gratuity, GST, TDS, 8th Pay Commission).

What makes it different is that the arithmetic is checked rather than asserted. Every formula ships with test cases, and the build fails outright if any of them disagree — 159 tests on the most recent deploy.