Calculator Universe - Free EMI, SIP, Income Tax, GST, Health, Math & Tech Calculators

SmartAI Labs presents the complete suite of Indian financial calculators designed for personal finance, tax planning, wealth compounding, loan scheduling, and stock market trading.

Mutual Funds & Investments Calculators

SIP Calculator: Estimate mutual fund wealth and corpus returns from monthly systematic investment plans.
Lumpsum Calculator: Calculate one-time investment wealth compounding and total returns over time.
SWP Calculator: Plan Systematic Withdrawal Plan cashflows and estimate remaining corpus duration.
Step-Up SIP Calculator: Compute future corpus with yearly SIP top-up percentage increments.
CAGR & XIRR Calculators: Compound Annual Growth Rate and Extended Internal Rate of Return for irregular cashflows.

Government Savings & Pension Schemes

Sukanya Samriddhi Yojana (SSY): Calculate 8.2% girl child scheme maturity corpus and interest.
Public Provident Fund (PPF): Compute 15-year tax-free provident fund compounding and tax savings under Section 80C.
Employee Provident Fund (EPF): Estimate 8.25% EPF retirement corpus accumulation.
National Pension System (NPS): Plan retirement pension and lump-sum corpus under Sec 80CCD(1B).
Senior Citizens Savings Scheme (SCSS) & Post Office MIS: Calculate quarterly and monthly income payouts.

Loans & Banking Calculators

Home Loan EMI Calculator: Calculate monthly EMI, principal vs interest schedule, and Sec 24/80C tax benefits.
Car Loan & Personal Loan EMI: Compare down payments, interest schedules, and processing fees.
Flat vs Reducing Rate Interest: Solve true effective interest rate comparisons.
Fixed Deposit (FD) & Recurring Deposit (RD): Calculate quarterly compounding interest and maturity values.

Income Tax, Salary & Benefits

Income Tax Calculator FY 2025-26 & FY 2026-27: Compare New Regime vs Old Regime tax liabilities and tax slab savings.
Salary Take-Home Calculator: Convert total CTC to monthly in-hand net pay with PF, Professional Tax, and TDS deductions.
HRA Exemption Calculator: Calculate Section 10(13A) House Rent Allowance tax exemptions.
Gratuity Calculator: Compute Payment of Gratuity Act 1972 payouts based on 15/26 formula.
GST Calculator: Calculate inclusive and exclusive CGST, SGST, and IGST tax amounts.

Stock Market Trading & TDS

Brokerage Calculator: Calculate Zerodha, Groww, AngelOne delivery, intraday, and F&O brokerage fees, STT, and exchange charges.
Margin & Stock Average Calculator: Compute required funds and multi-tranche buy price averaging.
TDS Calculator: Tax Deducted at Source for FD interest, property purchase, salary, and professional fees.