Finance
Loans, savings & money calculators
Finance calculators
17 tools for SIP, Compound interest, Loan EMI and more — accurate, instant, and free.
Reckonist’s Finance calculators turn money decisions into clear numbers — what an SIP grows to, the true cost of a loan EMI, whether to overpay a mortgage or invest, your capital-gains tax across the US, India and the UK, the RSU withholding shortfall, or the fastest route out of debt. Each one runs on a tested, source-cited engine with the current rates and tax year built in. They’re free, need no sign-up, and compute in your browser — your figures never leave your device.
Investing & retirement9
Compound Interest Calculator
Project a lump sum and monthly contributions — with inflation-adjusted real value and a savings goal.
SIP Calculator
Project your mutual-fund SIP corpus — with step-up, inflation-adjusted value, a goal, and post-tax LTCG.
PPF Calculator
Project your PPF maturity at the current rate — with deposit-timing, extension, and the 80C tax benefit.
SWP Calculator
See how long your corpus lasts — monthly income, inflation, after-tax, and a Monte-Carlo survival check.
NPS Calculator
Project your NPS corpus, pension and tax saved — updated for the Dec-2025 80/20 exit rules and both tax regimes.
FD / RD Calculator
FD & RD maturity at quarterly compounding — senior rate, cumulative vs payout, and post-tax TDS/slab.
Retirement / FIRE Calculator
Corpus needed, monthly saving and the 4% rule — with SWR sensitivity, coast-FIRE, real return, and a Monte-Carlo survival check.
XIRR Calculator
XIRR on an arbitrary-dated cash-flow table — paste your transactions, get the annualised return like Excel, plus a Nifty-50 benchmark.
Stock Average Calculator
Weighted-average buy price across lots, a target-average planner (how many to buy to reach ₹X), and true cost with charges.
Loans & debt4
Loan EMI Calculator
EMI, total interest, and a full amortisation schedule — with integrated prepayment (reduce EMI or tenure) and multi-loan compare.
Mortgage Overpayment Calculator
See the interest and years you save by overpaying — reduce-term vs reduce-payment, lump sum + regular, with an ERC / 10%-allowance check.
Home Loan Prepayment Calculator
Reduce EMI or tenure after a prepayment — with the after-tax benefit (§24(b)/§80C, regime-aware) and the RBI floating/fixed penalty rule.
Debt Payoff Calculator
Snowball vs avalanche, side by side — months to debt-free, total interest, interest saved, and a balance-transfer break-even.
Tax2
Capital Gains Tax Calculator
Capital gains tax across the US (0/15/20 + NIIT), India (§112A 12.5% + ₹1.25L), and UK (18/24 + £3,000) — with the loss-harvesting planner.
RSU Tax Calculator
RSU tax in one place — vest ordinary income + FICA + the 22% withholding shortfall, plus the capital-gains tax when you sell.
Wealth & property2
Net Worth Calculator
Assets minus liabilities, then your by-age and by-income percentile from the Fed SCF — with the honest median-not-mean framing.
Rental Yield Calculator
Gross, net and cash-on-cash rental yield with per-geo purchase costs — and the UK Section-24 after-tax number incumbents bury.