Plan SIPs, Step-Up SIPs, SWP, STP, mutual fund returns, CAGR, ROI, home/car/personal loan EMIs, loan eligibility, FIRE, retirement, child education, and FY 2026–27 Indian income taxes.
Calculate monthly loan EMI, total interest payable, and principal vs interest split for Home, Car, or Personal loans in INR.
Open toolCalculate Compound Annual Growth Rate (CAGR), inflation-adjusted real CAGR, wealth multiple, and annualized investment performance.
Open toolProject mutual fund corpus when you increase your monthly SIP contribution every year in line with salary appraisals.
Open toolCalculate combined mutual fund maturity value when investing both a monthly SIP and a one-time lumpsum amount.
Open toolPlan monthly retirement cashflows from your mutual fund corpus with inflation-linked annual withdrawal step-ups.
Open toolModel monthly transfers from a liquid/debt fund into an equity mutual fund and compare total returns against staying in debt.
Open toolCalculate simple ROI percentage, annualized ROI (CAGR), net profit, and investment multiple across any holding period.
Open toolCalculate monthly auto loan EMI, total interest outgo, and repayment split for new or used car financing in India.
Open toolEstimate monthly personal loan EMI and total interest cost for unsecured personal loans from ₹25,000 to ₹50 Lakh.
Open toolFind the maximum home or personal loan amount you qualify for based on net monthly salary, existing EMIs, and bank FOIR limits.
Open toolCalculate exact interest saved and months shaved off your loan tenure by making monthly, yearly, or one-time part-prepayments.
Open toolSide-by-side comparison of Old and New Indian Income Tax Regimes for FY 2025–26 and FY 2026–27 with 80C, 80D, HRA, and NPS deductions.
Open toolCalculate annual and monthly income tax on salary income after ₹75,000 standard deduction, employer benefits, and Chapter VI-A deductions.
Open toolCalculate marginal income tax deducted on your annual performance bonus or joining bonus and see the exact net cash credited.
Open toolProject your inflation-adjusted monthly expenses at age 60, required retirement nest egg, and monthly SIP needed starting today.
Open toolCalculate your India-adjusted FIRE number (3.5% Safe Withdrawal Rate & 25× Rule), years to financial independence, and required monthly SIP.
Open toolEstimate the future cost of your child's undergraduate or postgraduate degree after education inflation and find the monthly SIP required.
Open toolCalculate the exact monthly saving or SIP needed to hit any financial milestone—home down payment, wedding, car, or sabbatical.
Open toolCalculate your EMI, total interest and the impact of extra repayments.
Open toolCompare monthly, one-time and yearly prepayment strategies for interest savings.
Open toolCompare renting versus buying by estimated ending wealth over time.
Open toolCalculate HRA exemption from basic salary, rent, HRA received and city type.
Open toolTrack EPF, PPF, ELSS, insurance and other Section 80C deductions against the limit.
Open toolCompare detailed old and new regime tax for current and previous tax years.
Open toolCompare HRA exemption and home-loan interest benefits under the old regime.
Open toolEstimate capital gains tax for listed equity, property and other assets.
Open toolEstimate refund or balance tax payable using income, deductions, TDS, TCS and advance tax.
Open toolEstimate NPS corpus, lump sum, annuity corpus and monthly pension.
Open toolEstimate future value, total invested amount and gains from monthly SIP investing.
Open toolProject one-time investment growth using a simple annual compounding assumption.
Open toolEstimate FD maturity amount and interest with editable compounding frequency.
Open toolEstimate Public Provident Fund maturity, deposits and interest over time.
Open toolEstimate maturity value from a fixed monthly RD deposit.
Open toolFind the monthly saving needed to reach a future money goal.
Open toolEstimate how much emergency savings you need based on essential monthly expenses.
Open toolSplit monthly take-home income into needs, wants, savings and unallocated money.
Open toolEstimate payoff time and interest if you repay a credit-card balance monthly.
Open toolEstimate how inflation changes future cost and today’s buying power.
Open toolEvery financial calculator on UtilAxis runs deterministically in your browser with Indian numbering (Lakhs and Crores) and versioned FY 2025–26 / 2026–27 tax rules. Compare loan prepayment strategies, model systematic investment and withdrawal plans, size your FIRE nest egg, and evaluate Old vs New tax regimes side by side.
Clear answers to common questions about methodology, edge cases, and privacy.
There are currently 38 specialized tools in Finance Calculators, spanning Investment, Loans, Tax, Planning. Every utility executes 100% locally in your browser.
No. UtilAxis is a static, client-side platform. All calculations, code formatting, and file conversions happen inside your device's browser memory with zero server uploads.
Yes. Click 'Save to Workspace' on any tool header to pin it to your local Workspace, or use 'Copy share link' to generate a URL pre-populated with your scenario parameters.