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Free finance calculators for EMI, loans, FD, SIP and budgeting

Daily Finance Kits is a free collection of privacy-first calculators for EMI, loans, car finance, home loans, personal loans, FD maturity, gold loan interest, SIP growth, budget planning, savings goals, and everyday purchase decisions.

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Last updated: May 17, 2026 · 12+ free tools · No login required

India finance calculators

EMI, loan, car finance, home loan, FD, gold loan, and SIP calculators for India-focused planning estimates.

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Budgeting

Plan monthly spending, set daily limits, and understand where your money goes.

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50/30/20 BudgetSplit income into needs, wants, and savings.Split monthly income into needs, wants, and savings or debt repayment using the 50/30/20 rule.Monthly BudgetTrack income, expenses, and savings.Add monthly expense categories to calculate remaining balance, savings rate, and budget health.Daily Spending LimitFind a safe daily spending limit.Calculate how much flexible money you can spend per day after fixed expenses and savings.

Savings

Estimate emergency funds, savings goals, and practical timelines.

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Emergency FundEstimate emergency savings needed.Calculate a 3, 6, 9, or 12 month emergency fund target, savings shortfall, coverage months, timeline, and savings projection.Savings GoalPlan monthly savings for a goal.Calculate the monthly, weekly, and daily saving needed for a personal goal.FD CalculatorEstimate FD maturity and interest.Estimate fixed deposit maturity amount, interest earned, and effective annual return using deposit amount, rate, tenure, and compounding frequency.

Loans

Calculate loan EMI, eligibility, affordability, interest cost, balance, refinance savings, processing fees, and debt payoff timelines.

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EMICalculate EMI, interest, and total repayment.Use this free EMI calculator to estimate monthly loan EMI, total interest, and total repayment using loan amount, interest rate, and tenure.Loan EMIEstimate monthly EMI for any loan.Estimate EMI for personal, home, car, education, or other loans using loan amount, annual interest rate, tenure, and processing fee.Loan CalculatorEstimate loan EMI, interest, and repayment.Estimate monthly loan EMI, total interest, total repayment, and processing-fee impact for a personal, vehicle, education, or general loan.Loan TenureEstimate loan repayment period.Estimate the repayment period when loan amount, annual interest rate, and affordable monthly EMI are already known.Loan BalanceEstimate outstanding principal.Estimate outstanding loan balance, principal repaid, interest paid, and remaining tenure after some EMIs have been paid.Loan RefinanceCompare refinance savings.Compare current loan cost with a refinance or balance transfer offer using rates, tenure, and transfer fees.Loan EligibilityEstimate salary-based borrowing capacity.Estimate general loan eligibility based on monthly income, existing EMIs, expenses, preferred EMI ratio, rate, and tenure.EMI AffordabilityFind a safer monthly EMI.Estimate maximum safe EMI from monthly income, existing EMIs, essential expenses, savings target, and safe EMI percentage.DTI RatioMeasure debt pressure from income.Calculate debt-to-income ratio from monthly income, EMIs, credit card minimum payments, and other debt payments.Processing FeeEstimate upfront loan charges.Estimate loan processing fee, tax on fee, other upfront charges, and net disbursed amount.Flat vs ReducingCompare flat and reducing interest.Compare flat interest rate and reducing balance interest cost for the same loan amount and tenure.Personal LoanPlan personal loan EMI and total cost.Plan a personal loan by estimating EMI, total interest, total repayment, and upfront processing-fee impact.Personal Loan EMICheck monthly personal loan EMI.Calculate monthly EMI for a personal loan and compare how interest rate, tenure, and processing fee affect total cost.Personal Loan EligibilityCheck personal loan eligibility.Estimate personal loan eligibility based on salary, existing EMI, employment type, FOIR percentage, rate, and tenure.Loan InterestEstimate total loan interest cost.Estimate total loan interest and see how tenure, rate, and loan amount change the overall repayment cost.Interest RateFind the implied loan rate from EMI.Estimate the implied annual interest rate when loan amount, EMI, and tenure are known.Home LoanEstimate home loan EMI and interest.Estimate home loan EMI, total interest, total repayment, and long-tenure borrowing cost.Home Loan EMICalculate monthly housing loan EMI.Calculate monthly housing loan EMI, total interest, and repayment impact for long home loan tenures.Home Loan EligibilityEstimate housing loan capacity.Estimate home loan eligibility and property budget from income, existing EMIs, FOIR, rate, tenure, and down payment.Car FinanceEstimate car finance EMI and total cost.Estimate vehicle loan EMI, total interest, and total car finance cost after down payment, charges, rate, and tenure.Car Loan EMICalculate monthly vehicle loan EMI.Calculate monthly vehicle loan EMI, total interest, and repayment for new or used car loan planning.Car Loan CompareCompare two vehicle loan offers.Compare two car loan offers by EMI, interest, fees, total repayment, and better total cost.Gold LoanEstimate loan amount against gold.Estimate loan amount against gold using weight, purity, gold price per gram, loan-to-value percentage, rate, and tenure.Gold Loan InterestEstimate gold loan interest cost.Estimate gold loan interest cost, monthly interest, EMI-style payment, and total repayment from loan amount, rate, and tenure.Card PayoffEstimate how long a credit card balance may take to pay off and how much interest it may cost.Estimate how long a credit card balance may take to pay off and how much interest it may cost.Loan PrepaymentEstimate interest saved by prepaying.Estimate how one-time or monthly prepayments may reduce loan interest and payoff time.Home Loan AffordabilityEstimate a safe home loan EMI, affordable loan amount, and total home budget from income and existing obligations.Estimate a safe home loan EMI, affordable loan amount, and total home budget from income and existing obligations.Debt SnowballPlan debt payoff by targeting the smallest balance first while paying minimums on every debt.Plan debt payoff by targeting the smallest balance first while paying minimums on every debt.Debt AvalanchePlan debt payoff by targeting the highest interest rate first while paying minimums on every debt.Plan debt payoff by targeting the highest interest rate first while paying minimums on every debt.

Investments

Estimate SIP growth, compound interest, CAGR, inflation impact, retirement corpus, FIRE progress, and future investment value.

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SIPEstimate SIP growth and returns.Estimate future value, invested amount, and returns for monthly SIP investments.InvestmentProject future investment value.Estimate future investment value from an initial amount, monthly contributions, expected return, duration, and compounding frequency.Compound InterestCalculate compound growth over time.Estimate growth from an initial amount and recurring contributions with different compounding frequencies.FIREEstimate your financial independence number and years to FIRE using expenses, assets, investments, and withdrawal rate.Estimate your financial independence number and years to FIRE using expenses, assets, investments, and withdrawal rate.Retirement CorpusEstimate inflation-adjusted retirement expenses, required corpus, projected savings, and shortfall or surplus.Estimate inflation-adjusted retirement expenses, required corpus, projected savings, and shortfall or surplus.CAGRCalculate annualized return.Calculate compound annual growth rate, total return, absolute gain, and growth multiple.

Salary

Convert salary into hourly, daily, weekly, monthly, and annual rates.

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Salary to HourlyConvert monthly or annual salary into hourly, daily, weekly, monthly, and annual equivalents.Convert monthly or annual salary into hourly, daily, weekly, monthly, and annual equivalents.

Daily Decisions

Make purchase and subscription decisions with simple numbers.

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Can I Afford This?Check if a purchase fits your budget.Check whether a purchase fits your monthly free cash and savings position.Subscription CostSee monthly and yearly subscription cost.Add subscriptions to estimate monthly, annual, and five-year costs plus cost per use.

Planning

Compare major life and money choices such as buying a home, tracking net worth, inflation, and long-term independence.

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Rent vs BuyCompare the estimated long-term cost of renting with buying a home using transparent assumptions.Compare the estimated long-term cost of renting with buying a home using transparent assumptions.Net WorthAdd assets and liabilities to estimate net worth and debt-to-asset ratio.Add assets and liabilities to estimate net worth and debt-to-asset ratio.InflationEstimate future cost after inflation.Estimate future cost and purchasing power loss from inflation over time.

India Finance Calculators

India-focused EMI, loan, car finance, home loan, personal loan, FD, gold loan, SIP, and budgeting calculators.

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Currency support

Daily Finance Kits supports multiple currencies. Calculator results are estimates and can be viewed in INR, USD, EUR, GBP, AED, SGD, AUD, CAD, and JPY. Currency conversion uses approximate exchange rates for planning purposes.

Calculator FAQs

Are these calculators free?

Yes. Daily Finance Kits calculators are free to use and do not require login.

Are results financial advice?

No. Results are educational estimates based on your inputs and visible assumptions.

Do calculators store my inputs?

Calculator inputs are not intentionally stored as saved user profiles on the site.

Which calculator should I start with?

Start with budgeting, emergency fund, EMI, or savings goal tools depending on your current decision.

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