Financial Calculator by Pabitra

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Calculate EMI for regular loans or interest-only loans like Gold Loan

Loan Type

Loan Amount (₹)

Interest Rate (% per annum)

Loan Tenure

Duration

Monthly EMI ₹0

Total Interest ₹0

Total Repayment ₹0

Interest to Principal 0%

Amortization Schedule

Month	EMI	Principal	Interest	Balance

Principal Amount (₹)

Interest Rate (% per annum)

Compounding Frequency

Time Period (Years)

Maturity Amount ₹0

Interest Earned ₹0

Effective Yield 0%

Monthly Deposit (₹)

Interest Rate (% per annum)

Time Period (Years)

Maturity Amount ₹0

Total Deposits ₹0

Interest Earned ₹0

Current Amount (₹)

Inflation Rate (% per annum)

Time Period (Years)

Future Cost ₹0

Increase Amount ₹0

Purchasing Power 0%

Present Value (₹)

Interest Rate (% per annum)

Compounding Frequency

Time Period (Years)

Future Value ₹0

Interest Earned ₹0

Growth Multiple 0x

Future Value (₹)

Discount Rate (% per annum)

Time Period (Years)

Present Value ₹0

Discount Amount ₹0

Principal Amount (₹)

Interest Rate (% per annum)

Time Period (Years)

Simple Interest ₹0

Final Amount ₹0

Total Return Rate 0%

Principal Amount (₹)

Interest Rate (% per annum)

Compounding Frequency

Time Period (Years)

Compound Interest ₹0

Final Amount ₹0

Effective Annual Rate 0%

Initial Investment (₹)

Monthly Investment (₹)

Expected Annual Return (%)

Investment Period (Years)

Step-up Rate (% per annum)

Maturity Amount ₹0

Total Investment ₹0

Total Returns ₹0

Initial Investment (₹)

Monthly Withdrawal (₹)

Expected Annual Return (%)

Withdrawal Period (Years)

Step-up Rate (% per annum)

Remaining Balance ₹0

Total Withdrawn ₹0

Sustainability 0 Years

Investment Amount (₹)

Expected Annual Return (%)

Investment Period (Years)

Maturity Value ₹0

Total Returns ₹0

Return Multiple 0x

Initial Investment (₹)

Final Value (₹)

Investment Period (Years)

CAGR 0%

Total Returns ₹0

Return Multiple 0x

Calculate the Internal Rate of Return (XIRR) for your investments based on transaction history

Current Portfolio Value (₹) - Optional

💡 Add if you hold any unrealised investments for correct calculations. Leave blank if fully redeemed.

💡 Download template → fill transactions → import → calculate XIRR

Calculate how much you need to save for emergencies based on your monthly expenses

Monthly Expenses (₹)

Months of Expenses

Target Emergency Fund

₹0

0 months of expenses

Tip Financial experts recommend keeping 3-6 months of expenses for emergencies. Increase to 6-12 months if you're self-employed or have irregular income.

Inflation Rate (%) ⓘ

Starting Year

Initial Investment (₹)

Yearly Interest Rate (%)

Time Period (years)

Compounding Frequency

Adjust Interest Rate As You Age? ⓘ

Change Interest Rate After Years ⓘ

Update Interest Rate To (%)

Enable SIPⓘ

Deposit Amount

Deposit Frequency

SIP Cappingⓘ

SIP Stepup ⓘ

Increase Deposit By (%)

Change StepUp As You Age?ⓘ

Change StepUp After Yearsⓘ

Update StepUp To (%)

Stop SIP after a certain period?ⓘ

Stop SIP After Yearsⓘ

Change SIP Amount After Years? ⓘ

Change SIP After Years ⓘ

Updated SIP Amount (₹)

Want to go for a Bonus SIP? ⓘ

Bonus SIP Amount (₹)

Bonus SIP Frequency

Bonus SIP StepUp ⓘ

Increase Bonus SIP By (%)

Bonus SIP StepUp Frequency

Enable SWP ⓘ

Withdrawal After Yearsⓘ

Withdrawal Amount (as per today)ⓘ

Withdrawal Frequency

SWP StepUpⓘ

Increase Withdrawal By (%)

SWP Frequency

Lumpsum Goal-Based Withdrawals?ⓘ

Goal Name	Year	Today's Value (₹)	Action

💡 You can import goals instead of adding manually. Download the template → fill in → then import.

Secondary Investment ⓘ

Starting Year

Initial Investment (₹)

Yearly Interest Rate (%)

Compounding Frequency

Adjust Interest Rate As You Age?ⓘ

Change Interest Rate After Yearsⓘ

Update Interest Rate To (%)

Enable SIPⓘ

Deposit Amount (₹)

Deposit Frequency

SIP StepUpⓘ

Increase Deposit By (%)

Stop SIP after a certain period?ⓘ

Stop SIP After Years ⓘ

Tertiary Investment ⓘ

Starting Year

Initial Investment (₹)

Yearly Interest Rate (%)

Compounding Frequency

Adjust Interest Rate As You Age?ⓘ

Change Interest Rate After Yearsⓘ

Update Interest Rate To (%)

Enable SIPⓘ

Deposit Amount (₹)

Deposit Frequency

SIP StepUpⓘ

Increase Deposit By (%)

Stop SIP after a certain period?ⓘ

Stop SIP After Yearsⓘ

Future Value of your Investment(s)

Total Corpus ₹ 0

Total Deposits ₹ 0

Total Interest Earned ₹ 0

Inflation Adjusted Corpus (6%) ₹ 0

Effective Annual Interest Rate 0 %

Total No of Years 0

SIP Years 0

SWP Years 0

Total Systematic Withdrawals ₹ 0

Goals 0

Goal Based Withdrawal ₹ 0

Total Withdrawals ₹ 0

Future Value of your Primary Investment

Future Value ₹ 0

Total Deposits ₹ 0

Total Interest Earned ₹ 0

Inflation Adjusted Value (6%) ₹ 0

Effective Annual Interest Rate 0 %

Total No of Years 0

SIP Years 0

SWP Years 0

Total Systematic Withdrawals ₹ 0

Goals 0

Goal Based Withdrawal ₹ 0

Total Withdrawals ₹ 0

Future Value of your Secondary Investment

Future Value ₹ 0

Total Deposits ₹ 0

Total Interest Earned ₹ 0

Total No of Years 0

Inflation Adjusted Value (6%) ₹ 0

Effective Annual Interest Rate 0 %

SIP Years 0

Future Value of your Tertiary Investment

Future Value ₹ 0

Total Deposits ₹ 0

Total Interest Earned ₹ 0

Inflation Adjusted Value (6%) ₹ 0

Effective Annual Interest Rate 0 %

Total No of Years 0

SIP Years 0

This table is best viewed in desktop or tablet. Large data might NOT fit the screen.

Salary Breakup

Base Component

Basic - Annual (₹)

Basic - Monthly (₹)

HRA - Annual (₹)

HRA - Monthly (₹)

Other Allowances - Annual (₹)

Other Allowances - Monthly (₹)

Other Allowances - Annual (₹)

Other Allowances - Monthly (₹)

Retirals

Employer Contribution to PF - Annual (₹)

Employer Contribution to PF - Monthly (₹)

Gratuity - Annual (₹)

Gratuity - Monthly (₹)

Total

Total CTC - Annual (₹)

Total CTC - Monthly (₹)

Total Taxable Salary - Annual (₹)

Total Taxable Salary - Monthly (₹)

Deduction Details

Professional Tax - Monthly (₹)

Welfare Contribution - Monthly (₹)

80C (Maximum Deduction is 1.5 Lakhs)

Employee Contribution to PF - Annual (₹)

PPF - Annual (₹)

NPS - Annual (₹)

ELSS - Annual (₹)

LIC or Life Insurance Premium - Annual (₹)

Home Loan Principal Payment - Annual (₹)

Deductions for Home Loan Interest Payment

Section 24 (₹) ⓘ

80EEA (₹) ⓘ

80EE (₹) ⓘ

House Rent Allowance

Rent per Month (₹)

Are you a resident of Delhi, Mumbai, Kolkata or Chennai?

HRA Exemption Amount (₹) ⓘ

80D (Health Insurance Premium)

Self & Family (₹) ⓘ

Parents (₹) ⓘ

80E

Interest Paid of Education Loan (₹)

NPS - 80CCD(1B) & 80CCD(2)

Employee Contribution to NPS (₹) ⓘ

Employer Contribution to NPS (₹) ⓘ

Are you a Central/State Government Employee?

80G

Donations to Charity (₹)

Investment Details

Monthly Investment Amount (₹)

Fund Name	Target %	Current Value (₹)	Current %	Deviation	Action
Total	0%	₹0	100%	-

Portfolio Summary

Total Portfolio Value ₹0

Monthly Investment ₹0

Portfolio Status -

Rebalancing Plan

This plan shows how to distribute your monthly investments to achieve target allocations

Post Rebalancing Summary

Final Portfolio Value ₹0

Rebalancing Completed In 0 months

Fund	Final Value (₹)	Final Allocation %	Target %	Deviation