Financial Calculators
Plan your investments, loans, taxes, and retirement with our suite of 12 free, beautifully designed financial calculators. Get accurate results with detailed breakdowns and visualizations.
Frequently Asked Questions
What financial calculators does Essara offer?
Essara offers 12 free financial calculators: SIP Calculator (mutual fund returns), EMI Calculator (loan payments), FD Calculator (fixed deposit maturity), PPF Calculator (public provident fund), NPS Calculator (national pension system), Income Tax Calculator (old vs new regime), Compound Interest Calculator, Lumpsum Calculator, Gratuity Calculator, HRA Calculator, 50/30/20 Budget Planner, and Retirement Calculator.
Is the SIP calculator free to use?
Yes, all 12 financial calculators on Essara are completely free to use. No registration required. Simply enter your values and get instant results with detailed amortization schedules and visualizations.
How accurate is the EMI calculator?
The Essara EMI calculator uses the standard formula: EMI = P × r × (1 + r)^n / ((1 + r)^n - 1), where P is principal, r is monthly interest rate, and n is number of monthly installments. Results are accurate to the nearest rupee/dollar.
Can I calculate PPF returns for India?
Yes, the PPF Calculator uses the current PPF interest rate (7.1% p.a. as of 2026) and calculates maturity amount based on your monthly contribution, interest rate, and tenure (15 years default, extendable in 5-year blocks).
Does the income tax calculator support both old and new tax regimes?
Yes, the Income Tax Calculator compares both regimes — the old system with deductions (80C, 80D, HRA, etc.) and the new simplified system with lower rates but fewer deductions. It shows which regime saves you more tax.
What is the 50/30/20 budget rule?
The 50/30/20 rule is a budgeting framework where 50% of income goes to needs (rent, utilities, groceries), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. The Budget Planner calculator helps you apply this rule to your monthly income.
How is compound interest calculated?
Compound interest is calculated using the formula: A = P(1 + r/n)^(nt), where A is the final amount, P is the principal, r is annual interest rate, n is compounding frequency, and t is time in years. The calculator supports monthly, quarterly, and annual compounding.
Can I use these calculators on mobile?
Yes, all Essara financial calculators are fully responsive and work on any device — desktop, tablet, or mobile. They are also available as part of the Essara PWA and Android app.
Learn Before You Calculate
Guides that explain the numbers behind each tool
Use the calculator, then jump into the matching article to understand tradeoffs, formulas, and next decisions.
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