Money maths,
solved.
SIPs, EMIs, taxes, retirement — every calculator you'll ever need, free, fast, and tuned for India.
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.
CBDT tax slabs, SEBI mutual fund rules, PFRDA NPS regulations, and RBI deposit rates — all pre-loaded and updated for FY 2026-27. Every calculator opens with the right defaults, no configuration needed.
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, step-up SIP, and ELSS returns for mutual fund investors
- Home loan EMI, prepayment savings, and loan eligibility calculations
- PPF, NPS, EPF, FD, RD, NSC, SCSS, and SSY with current government rates
- Income tax for both old and new regimes with Section 87A rebate — FY 2026-27
- HRA exemption, capital gains tax, TDS, and advance tax for Indian taxpayers
- GST calculator, property registration fees, and stamp duty estimates
- Retirement corpus planning, FIRE number, and inflation-adjusted projections
- CTC to in-hand salary, gratuity, EPF contribution, and bonus tax calculations
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.
Old vs New Tax Regime: Which Saves You More in FY 2026-27?
A breakdown of every deduction that matters — 80C, HRA, home loan interest, NPS — and the exact income threshold at which the old regime starts winning.