Free Indian finance calculators: SIP returns calculator, Home Loan EMI calculator, Income Tax new vs old regime comparison (FY 2025-26), Fixed Deposit maturity calculator. Instant results.
CryptoSyntix Finance Tools offers four essential calculators built for Indian investors — all free, instant, and using current Indian tax laws and banking norms for FY 2025-26.
SIP uses compound interest applied monthly. Formula: M = P × {[(1 + i)^n – 1] / i} × (1 + i), where P = monthly SIP, i = monthly interest rate (annual rate ÷ 12), n = number of months. Example: ₹10,000/month at 12% p.a. for 10 years = ₹23.23 lakh maturity on ₹12 lakh invested.
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P = loan principal, R = monthly interest rate (annual rate ÷ 12 ÷ 100), N = loan tenure in months. Example: ₹50 lakh loan at 9% for 20 years = EMI of ~₹44,986/month with total interest of ~₹57.97 lakh.
New regime is better if: you have fewer deductions, income up to ₹7 lakh (zero tax under new regime), or you are a salaried person without major investments. Old regime is better if: you have HRA, Section 80C investments of ₹1.5 lakh, home loan interest deduction, and NPS contributions. Use CryptoSyntix Tax Calculator to compare.
Major Indian bank FD rates for 1–3 years: SBI: 6.8–7.0%, HDFC Bank: 7.0–7.25%, ICICI Bank: 6.9–7.2%, Axis Bank: 7.0–7.25%. Small finance banks offer 8–9%. Senior citizens get 0.25–0.50% extra. Compare using CryptoSyntix FD Calculator.