EMICalcs

Watch EMICalcs demo

About EMICalcs

44 free India-focused calculators: loan and credit-card EMI (with the 18% GST banks add on interest), SIP, income tax FY 2026-27 new vs old regime, PPF/EPF/NPS, FD/RD and salary CTC-to-in-hand. Every formula is covered by automated tests, and any calculator embeds free. No signup.

Who is EMICalcs for?

Anyone in India working out a money decision without wanting a signup or an app: salaried people checking what a CTC actually pays each month, borrowers comparing home-loan EMIs or deciding whether to prepay, investors projecting a SIP, and anyone comparing the new and old tax regimes for FY 2026-27. Also publishers and bloggers, who can embed any calculator free on their own site.

How does EMICalcs work?

Pick a calculator, type your numbers, read the answer. No signup, and it works with JavaScript off because every page is server-rendered. Results update as you type, each one has a shareable URL you can send on WhatsApp, and amortisation schedules export to CSV. Behind it, every formula is covered by automated tests that run on each build, so a calculator that drifts from its expected output fails the build instead of quietly publishing a wrong number.