Money maths,
solved.
SIPs, EMIs, taxes, retirement — every calculator you'll ever need, free, fast, and tuned for India.
Pick your country.
We handle the rest.
Tax rules, currency, and regulatory defaults pre-loaded for your market — no setup, no configuration, and no need to manually adjust for your country's rules. Every calculator opens ready to use.
Every formula is documented. Every rate cites its regulatory source. You see exactly how your number is calculated — no mystery, no trust required. We update rates the moment regulators change them.
Tax slabs, super rates, and stamp duty thresholds pre-loaded for your market. Australia and India are live now, with USA and Canada coming next. Switch countries in one click and every number recalculates instantly.
Every calculation runs entirely in your browser. No data leaves your device, no accounts, no tracking, no ads following you around the internet. Your financial numbers stay yours alone.
What CalcPhi covers
- SIP, lumpsum, and step-up SIP returns for Indian mutual fund investors
- Home loan EMI, prepayment savings, and balance transfer calculations
- PPF, NPS, EPF, and SCSS retirement planning with current government rates
- Income tax calculator for both old and new regimes, updated for FY 2026–27
- Australian mortgage repayments, offset accounts, and extra repayment impact
- Superannuation balance projections and salary sacrifice strategies
- Stamp duty, HECS-HELP repayment, and negative gearing for Australian property investors
- HRA exemption, capital gains tax, and GST calculations for Indian taxpayers
Financial insights behind every number
Plain-English guides that explain the logic behind each calculator — so you understand not just the result, but how to act on it. Whether you are planning your first SIP, comparing home loan options, or preparing for retirement, our guides give you the context to decide with confidence.
SIP vs Fixed Deposit: Which is Better in 2026?
A direct comparison of SIP mutual funds and bank FDs — returns, tax treatment, liquidity, and which suits your risk profile and time horizon.
Step-Up SIP: How Small Annual Increases Build Serious Wealth
Increasing your SIP by just 10% each year can nearly double your final corpus compared to a flat SIP at the same starting amount.
Age Pension Australia: Who Qualifies and How Much You Get
The income test, assets test, and five practical strategies to maximise your Age Pension entitlement — explained without the Centrelink jargon.