CalcMantra · calcmantra.com · India
CalcMantraFree EMI, SIP & tax calculators for India
Free online calculators for India: EMI, SIP, income tax, GST, PPF, salary, FD and NPS. Clear formulas and examples.
40 calculators · no account · results stay on your device
Home loan snapshot
PrivateEMI
Monthly payment
₹43,391/mo
- Principal₹50L
- Interest₹54.1L
- Rate 8.5%
Amount
₹50 lakh
Rate
8.5%
Tenure
20 years
What is CalcMantra?
CalcMantra is an active, free calculator website at calcmantra.com. We publish online tools for home loan EMI, SIP corpus estimates, income tax (old vs new regime), GST, PPF, gratuity, and CTC to in-hand salary — with formulas, worked INR examples, and FAQs on every calculator page.
If Google suggested a similar-sounding brand: this site is for calculators and personal finance math, not calling or IVR software. Read more about CalcMantra →
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Popular finance questions
Straight answers with example tables, then a link to calculate your own numbers.
LoansHow much home loan can I get based on my salary?Estimate home-loan eligibility from take-home pay, FOIR and EMI. Indian example table plus the eligibility calculator — not a bank sanction.Loan eligibility · Read answer →LoansHow much EMI can I afford with my monthly salary?Work out a comfortable EMI budget from take-home pay, then see the loan that budget supports. Links to EMI and DTI calculators.Home loan EMI · Read answer →InvestingHow much SIP should I invest every month to reach ₹1 crore?Monthly SIP required for a ₹1 crore corpus at assumed 10% or 12% returns. Not a guarantee — use the SIP calculator for your own rate and years.SIP · Read answer →RetirementHow much money do I need to retire in India?Inflate today’s expenses to retirement and divide by a withdrawal rate. Links to the retirement, SIP, inflation and SWP calculators. Not a pension quote.Retirement corpus · Read answer →TaxHow much income tax will I pay on my salary?Estimate new-regime salary tax for FY2026-27 (AY 2027-28) using the site’s tax config. Open the income-tax calculator to compare old regime.Income tax · Read answer →TaxOld tax regime or new tax regime — which saves more tax?Compare default new regime and old regime for FY2026-27. Slabs come from the site tax config. Use the income-tax calculator with your 80C, HRA and home-loan interest.Income tax · Read answer →
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Free online calculators for loans, savings, salary, tax, and everyday math — built for India.
Loan calculatorsFree EMI, eligibility, and prepayment calculators for home, car, and personal loans in India. Instant INR estimates.View calculators →Savings calculatorsFree SIP, lumpsum, FD, RD, PPF, NPS, SWP, and Sukanya Samriddhi calculators for India. Project corpus and interest in INR with clear assumptions — no signup.View calculators →Salary & retirementFree CTC to in-hand, salary hike, gratuity, EPF, HRA, leave encashment, and retirement corpus calculators for salaried employees in India.View calculators →Tax calculatorsFree income tax (old vs new regime), GST, TDS, Section 80C, advance tax, and capital gains calculators for India. Clear breakdowns — not a tax filing.View calculators →Everyday calculatorsFree percentage, discount, simple and compound interest, CAGR, inflation, and Rule of 72 calculators — quick INR-friendly math on CalcMantra.View calculators →
All CalcMantra calculators
Each tool has its own page, formula, and FAQ — house for home loan, car for car loan, form for tax.
Home loan EMIFree online home loan EMI calculator for India — estimate monthly EMI, total interest, and repayment schedule.Car loan EMIFree car loan EMI calculator for India — monthly EMI, total interest, and tenure estimates on a reducing-balance rate.Personal loan EMIFree personal loan EMI calculator for India — estimate instalments at typical unsecured interest rates.Loan eligibilityFree loan eligibility calculator for India — estimate how much home loan income, FOIR, and existing EMIs may support.Part paymentSee how a part payment or extra EMI closes a home loan sooner, the payoff plan, and how much interest you still pay.SIPFree online SIP calculator for India — project mutual fund corpus from monthly investments with assumed annual returns.Fixed depositFree FD calculator for India — fixed deposit maturity with quarterly compounding and editable interest rate.Recurring depositFree RD calculator for India — estimate recurring deposit maturity for monthly bank deposits.PPFFree PPF calculator for India — project Public Provident Fund corpus over 15+ years with current interest assumptions.NPSEstimate NPS corpus, lump-sum withdrawal, and annuity pension.GratuityCalculate statutory gratuity under the Payment of Gratuity Act.EPFProject EPF corpus from employee and employer contributions.HRA exemptionFind tax-exempt HRA under the old regime for metro and non-metro cities.Income taxFree income tax calculator for India — compare old vs new regime for Tax Year 2026-27 with deductions and a clear breakdown.Capital gainsEstimate tax on equity and property capital gains using current headline rates.Education loan EMIEstimate EMI on an education loan using the same reducing-balance formula Indian banks use.Business loan EMIWork out EMI and total interest on a reducing-balance business or MSME loan.Bike loan EMICalculate two-wheeler loan EMI on a reducing-balance rate.Credit card EMIConvert a card spend into an EMI estimate. Rates and processing fees are issuer-specific.Flat vs reducingCompare a flat-rate loan with a reducing-balance loan at the same advertised rate.Debt-to-incomeSee what share of take-home pay already goes to EMIs. Banks often look at 40–50% FOIR.Loan tenureFind how many months a loan lasts if you know principal, rate, and the EMI you can pay.GSTFree GST calculator for India — add or remove GST and split CGST/SGST or IGST at the rate you choose.TDS (salary)Estimate monthly TDS as one-twelfth of new-regime income tax on salary. Employer Form 16 can still differ.Section 80CSee how much of the ₹1.5 lakh 80C cap you have used. 80C applies in the old regime, not the default new regime.Advance taxSplit estimated annual tax into the four statutory advance-tax instalments if tax is ₹10,000 or more.CTC to in-handFree CTC to in-hand salary calculator for India — estimate monthly take-home with new-regime tax, PF, and professional tax.Salary hikeConvert a hike percentage into new CTC and the extra rupees per month.Leave encashmentEstimate leave encashment as (basic + DA) / 30 × unused days. Tax exemption is not auto-applied.Retirement corpusInflate today’s monthly expenses to retirement, then divide by a withdrawal rate to size a corpus. Not a pension quote.LumpsumProject a one-time mutual fund investment with monthly compounding. Returns are assumed, not guaranteed.SWPSee how a monthly systematic withdrawal holds up if the remaining corpus keeps earning an assumed return.Sukanya SamriddhiProject SSY corpus using the notified small-savings rate for Q2 FY 2026-27 (8.2%, editable).Compound interestFree compound interest calculator — compound a lump sum yearly, quarterly, or monthly.Simple interestFree simple interest calculator — interest on the original principal only using I = P × r × t.CAGRFree CAGR calculator — compound annual growth rate between a start value and end value over years.InflationSee what today’s rupees become in future money, and the real return after inflation.PercentageFree percentage calculator — what is x% of y, and what percent one number is of another.DiscountFree discount calculator — price after a percentage off MRP, with rupees saved.Rule of 72Free Rule of 72 calculator — rough years to double money using 72 ÷ annual return %.
CalcMantra FAQs
- What is CalcMantra?
- CalcMantra is a free online calculator website for India. Use EMI, SIP, income tax, GST, PPF, gratuity, and salary tools in your browser without signing up for results.
- Which calculators does CalcMantra offer?
- CalcMantra publishes 40+ tools across loans, savings, salary, tax, and everyday math — including home loan EMI, SIP, old vs new regime income tax, GST, and CTC to in-hand salary.
- Are CalcMantra results free to use?
- Yes. Calculators are free. Estimates update as you type. They are educational math only — not advice, a loan offer, or a tax filing.
- Is CalcMantra related to CallMantra?
- No. CalcMantra (calcmantra.com) is a finance calculator site. It is not a calling or IVR product.