About InvestSmartCalc

Free, accurate, and up-to-date financial calculators for every Indian investor.

What We Do

InvestSmartCalc is a free online platform offering financial calculators designed specifically for the Indian market. Whether you are planning a SIP investment, calculating your EMI, understanding your income tax liability, or estimating your gratuity under the new Social Security Code 2020 — we have a calculator built for you.

All our calculators are updated for FY 2025-26 (Union Budget February 2025), apply the latest government rules including the Code of Wages 2019, Social Security Code 2020, and EPF Act, and are verified against official formulas.

Our Calculators

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SIP CalculatorMutual fund SIP maturity with year-wise breakdown

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EMI CalculatorHome, Car & Personal loan with amortization

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Income TaxFY 2025-26 · New vs Old Regime comparison

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Salary BreakupCTC to in-hand · Code of Wages 2019

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GratuitySocial Security Code 2020 · All employee types

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HRA CalculatorSec 10(13A) with metro/non-metro rates

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PPF CalculatorEEE tax-free growth with year-wise table

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SWP CalculatorSystematic withdrawal planning with depletion check

Why InvestSmartCalc?

Always current: Updated for every Budget, RBI policy, and legislative change
Verified formulas: Every calculation is cross-checked against government guidelines and leading financial institutions
Completely free: No account needed, no ads, no paywalls — ever
Fast & private: All calculations happen in your browser — we never send your numbers to any server
Mobile optimised: Works perfectly on any screen size
SEO-free results: We don't hide results behind login walls to boost engagement metrics

Important Note

InvestSmartCalc is an informational tool only. The results shown are estimates based on the inputs you provide and assumed constant rates. They do not constitute financial, legal, or tax advice. Please read our full Disclaimer before making financial decisions based on these calculations.

Contact

For questions, corrections, or feedback, please use our Contact page. We particularly welcome corrections to calculations — accuracy is our highest priority.