# Calxo > Free online calculators for Indian users — EMI, SIP, income tax, salary, GST, investments and more. All calculators run entirely in your browser with no sign-up required. Built for Indian rules, rates and rupee amounts. Reviewed by Prem Anand, Personal Finance Expert. Calxo (calxo.in) is an Indian personal finance calculator hub launched in 2026. Every tool uses the actual Indian formula — RBI reducing-balance for EMI, AMFI SIP formula, CBDT post-Budget 2025 tax slabs, EPF Act rates, and so on. All content is reviewed for FY 2025-26 accuracy. ## Loan Calculators - [EMI Calculator](https://www.calxo.in/loan/emi-calculator/): Calculate monthly EMI, total interest and principal-vs-interest schedule for home, personal or car loans using the standard reducing-balance formula. - [Home Loan Eligibility Calculator](https://www.calxo.in/loan/home-loan-eligibility/): Find how much home loan you can get on your salary using LTV, FOIR and age norms. - [Personal Loan EMI Calculator](https://www.calxo.in/loan/personal-loan-calculator/): Monthly EMI for unsecured personal loans with instant amortisation breakdown. - [Personal Loan Eligibility Calculator](https://www.calxo.in/loan/personal-loan-eligibility-calculator/): Maximum personal loan amount based on salary and existing EMIs using the FOIR method used by Indian banks. - [Car Loan EMI Calculator](https://www.calxo.in/loan/car-loan-calculator/): Monthly instalment for any car loan amount, tenure and interest rate. - [Bike Loan EMI Calculator](https://www.calxo.in/loan/bike-loan-calculator/): Two-wheeler loan EMI with interest and repayment schedule. - [Education Loan EMI Calculator](https://www.calxo.in/loan/education-loan-calculator/): Student loan repayment with moratorium period and EMI planning. - [Loan Prepayment Calculator](https://www.calxo.in/loan/loan-prepayment-calculator/): How much interest you save and how much tenure reduces with a part-prepayment. - [Credit Card Payoff Calculator](https://www.calxo.in/loan/credit-card-payoff-calculator/): Months to pay off a credit card balance given minimum or custom monthly payments. - [FOIR Calculator](https://www.calxo.in/loan/foir-calculator/): Fixed Obligation to Income Ratio — check whether your EMI burden is within bank limits. - [Stamp Duty Calculator](https://www.calxo.in/loan/stamp-duty-calculator/): Stamp duty and registration charges for property purchase, state-by-state across India. ## Investment Calculators - [SIP Calculator](https://www.calxo.in/investment/sip-calculator/): Monthly SIP maturity value using the mutual fund future-value formula for any amount, tenure and expected return. - [XIRR Calculator](https://www.calxo.in/investment/xirr-calculator/): Annualised XIRR return on SIP or custom irregular cash flows — more accurate than CAGR for SIP investors. - [Lumpsum Calculator](https://www.calxo.in/investment/lumpsum-calculator/): One-time investment return using compound interest for any rate and period. - [Step-Up SIP Calculator](https://www.calxo.in/investment/step-up-sip-calculator/): SIP returns with an annual step-up percentage to model salary increments. - [SWP Calculator](https://www.calxo.in/investment/swp-calculator/): Systematic Withdrawal Plan — how long a corpus lasts given monthly withdrawals and expected growth. - [FD Calculator](https://www.calxo.in/investment/fd-calculator/): Fixed Deposit maturity with quarterly compounding as per Indian bank norms. - [RD Calculator](https://www.calxo.in/investment/rd-calculator/): Recurring Deposit maturity using the RBI quarterly-compounding formula. - [PPF Calculator](https://www.calxo.in/investment/ppf-calculator/): Public Provident Fund 15-year maturity at the current 7.1% rate with partial withdrawal and extension options. - [NSC Calculator](https://www.calxo.in/investment/nsc-calculator/): National Savings Certificate maturity at 7.7% compounded annually with year-by-year breakdown and 80C details. - [SCSS Calculator](https://www.calxo.in/investment/scss-calculator/): Senior Citizen Savings Scheme quarterly income at 8.2% — highest post office rate, max ₹30 lakh. - [KVP Calculator](https://www.calxo.in/investment/kvp-calculator/): Kisan Vikas Patra maturity and doubling period at 7.5% — money doubles in 115 months. - [POMIS Calculator](https://www.calxo.in/investment/pomis-calculator/): Post Office Monthly Income Scheme monthly payout at 7.4% — max ₹9 lakh single account. - [NPS Calculator](https://www.calxo.in/investment/nps-calculator/): National Pension Scheme corpus and estimated monthly pension at retirement. - [NPS Vatsalya Calculator](https://www.calxo.in/investment/nps-vatsalya-calculator/): NPS Vatsalya corpus if started for a child from birth. - [UPS Pension Calculator](https://www.calxo.in/investment/ups-pension-calculator/): Unified Pension Scheme assured pension for Central Government employees under the 2025 rules. - [Compound Interest Calculator](https://www.calxo.in/investment/compound-interest-calculator/): Compound interest for any frequency — annual, quarterly, monthly or daily. - [Simple Interest Calculator](https://www.calxo.in/investment/simple-interest-calculator/): SI formula for any principal, rate and tenure. - [CAGR Calculator](https://www.calxo.in/investment/cagr-calculator/): Compound Annual Growth Rate between any two values over any period. - [Inflation Calculator](https://www.calxo.in/investment/inflation-calculator/): Future purchasing power and real value of money at India's historical inflation rates. - [Retirement Calculator](https://www.calxo.in/investment/retirement-calculator/): Target retirement corpus and required monthly savings to retire at a chosen age. - [Gold Value Calculator](https://www.calxo.in/investment/gold-calculator/): Current value of gold jewellery or coins in grams, tola and sovereign at live rates. - [SSY Calculator](https://www.calxo.in/investment/ssy-calculator/): Sukanya Samriddhi Yojana maturity at current 8.2% rate for girls. - [Dividend Yield Calculator](https://www.calxo.in/investment/dividend-yield-calculator/): Stock dividend yield %, annual income, payback period and 5-year total for any share and quantity. - [Stock Average Calculator](https://www.calxo.in/investment/stock-average-calculator/): Weighted average cost price after averaging down a stock position. - [Crorepati Clock](https://www.calxo.in/investment/crorepati-clock/): The exact date and time you will cross ₹1 crore given your current SIP. ## Tax Calculators - [Income Tax Calculator](https://www.calxo.in/tax/income-tax-calculator/): FY 2025-26 tax under new and old regime with ₹12L rebate, standard deduction, surcharge and marginal relief. - [Old vs New Tax Regime Calculator](https://www.calxo.in/tax/old-vs-new-tax-regime/): Side-by-side tax saving comparison for any salary with itemised deductions. - [Capital Gains Tax Calculator](https://www.calxo.in/tax/capital-gains-calculator/): STCG and LTCG on equity, mutual funds, property and gold under post-Budget 2024-25 rules. - [TDS Calculator](https://www.calxo.in/tax/tds-calculator/): Tax Deducted at Source on FD interest, rent, professional fees and contractor payments. - [NPS Tax Benefit Calculator](https://www.calxo.in/tax/nps-tax-benefit-calculator/): Extra ₹50,000 deduction under Section 80CCD(1B) and total tax saved. - [Freelancer Tax Calculator](https://www.calxo.in/tax/freelancer-tax-44ada-calculator/): Section 44ADA presumptive tax for freelancers — old vs new regime comparison. ## Salary Calculators - [CTC to Take-Home Salary Calculator](https://www.calxo.in/salary/takehome-calculator/): Actual monthly in-hand after PF, gratuity, professional tax and TDS for FY 2025-26. - [HRA Calculator](https://www.calxo.in/salary/hra-calculator/): Section 10(13A) HRA exemption — minimum of three components method. - [EPF Calculator](https://www.calxo.in/salary/epf-calculator/): Employee Provident Fund corpus at retirement with employer and employee contributions. - [Gratuity Calculator](https://www.calxo.in/salary/gratuity-calculator/): Gratuity payable under Payment of Gratuity Act 1972 for both covered and non-covered employees. - [Salary Hike Calculator](https://www.calxo.in/salary/salary-hike-calculator/): New CTC after an increment — absolute hike and percentage increase. - [Salary to Hourly Calculator](https://www.calxo.in/salary/salary-to-hourly-calculator/): Convert annual CTC or monthly salary to hourly and daily rates. - [Salary Breakup Excel](https://www.calxo.in/salary/salary-breakup-excel/): Full salary structure with downloadable Excel sheet — basic, HRA, allowances, deductions. ## GST Calculators - [GST Calculator](https://www.calxo.in/gst/gst-calculator/): Add or remove GST at any Indian slab (0%, 5%, 12%, 18%, 28%) with CGST/SGST/IGST split. - [Lifetime GST Bill](https://www.calxo.in/gst/lifetime-bill/): Total GST paid since age 18 based on spending patterns — a data-driven eye-opener. ## Business & SaaS Calculators - [CAC Calculator](https://www.calxo.in/business/cac-calculator/): Customer Acquisition Cost — total marketing and sales spend divided by new customers. - [LTV Calculator](https://www.calxo.in/business/ltv-calculator/): Customer Lifetime Value using ARPU, gross margin and churn rate. - [LTV:CAC Ratio Calculator](https://www.calxo.in/business/ltv-cac-calculator/): SaaS unit economics health check — LTV divided by CAC with payback period. - [MRR Calculator](https://www.calxo.in/business/mrr-calculator/): Monthly Recurring Revenue from new, expansion, contraction and churned MRR. - [Churn Rate Calculator](https://www.calxo.in/business/churn-rate-calculator/): Monthly and annual customer churn rate and implied customer lifetime. - [Break-Even Calculator](https://www.calxo.in/business/break-even-calculator/): Break-even units and revenue given fixed costs, variable cost and selling price. - [Gross Margin Calculator](https://www.calxo.in/business/gross-margin-calculator/): Gross profit margin percentage from revenue and COGS. - [ROI Calculator](https://www.calxo.in/business/roi-calculator/): Return on Investment as percentage and absolute gain for any investment. ## Health Calculators - [BMI Calculator](https://www.calxo.in/health/bmi-calculator/): Body Mass Index for Indian adults with WHO and Asian classification ranges. - [BMI Calculator for Men](https://www.calxo.in/health/bmi-calculator-men/): BMI with male-specific ideal weight ranges and interpretation. - [BMR Calculator](https://www.calxo.in/health/bmr-calculator/): Basal Metabolic Rate using Mifflin-St Jeor equation with activity-adjusted TDEE. - [TDEE Calculator](https://www.calxo.in/health/tdee-calculator/): Total Daily Energy Expenditure and calorie targets for weight loss, maintenance or gain. - [Body Fat Percentage Calculator](https://www.calxo.in/health/body-fat-calculator/): Body fat via Navy method and BMI method with fitness category. - [Ideal Weight Calculator](https://www.calxo.in/health/ideal-weight-calculator/): Ideal body weight range for men and women at any height. - [Calorie Deficit Calculator](https://www.calxo.in/health/calorie-deficit-calculator/): Daily calorie deficit needed to reach a target weight by a chosen date. - [Water Intake Calculator](https://www.calxo.in/health/water-intake-calculator/): Daily water requirement based on weight, activity and climate. - [Period Calculator](https://www.calxo.in/health/period-calculator/): Next period date and cycle tracking from last period date and cycle length. - [Ovulation Calculator](https://www.calxo.in/health/ovulation-calculator/): Fertile window and ovulation date for conception planning. ## Math & General Calculators - [Percentage Calculator](https://www.calxo.in/math/percentage-calculator/): What is X% of Y, percentage change, increase, decrease and reverse percentage. - [Discount Calculator](https://www.calxo.in/math/discount-calculator/): Sale price, savings amount and effective discount from original price and discount %. - [Profit Margin Calculator](https://www.calxo.in/math/margin-calculator/): Gross margin, markup and selling price given cost and margin targets. - [Age Calculator](https://www.calxo.in/math/age-calculator/): Exact age in years, months and days from date of birth. - [Date Calculator](https://www.calxo.in/math/date-calculator/): Days between two dates, add or subtract days from a date, and countdown timer. ## Conversion & Live Data - [Currency Converter](https://www.calxo.in/conversion/currency-converter/): Live INR exchange rates against USD, EUR, GBP, AED, SGD and other major currencies. - [Petrol Price Today](https://www.calxo.in/conversion/petrol-price-today/): City-wise petrol and diesel prices across India, updated daily. - [Petrol Price Delhi](https://www.calxo.in/conversion/petrol-price-delhi/): Live petrol and diesel rates for Delhi. - [Petrol Price Mumbai/Chennai](https://www.calxo.in/conversion/petrol-price-chennai/): Live petrol and diesel rates for Chennai. - [Petrol Price Bangalore](https://www.calxo.in/conversion/petrol-price-bangalore/): Live petrol and diesel rates for Bangalore. ## Blog — Personal Finance Guides - [Old vs New Tax Regime FY 2025-26](https://www.calxo.in/blog/old-vs-new-tax-regime-fy-2025-26/): Which saves more tax on ₹15 lakh CTC — deep comparison with real numbers. - [Section 80C Deductions Guide](https://www.calxo.in/blog/section-80c-deductions-complete-guide/): Complete list of 80C investments and which ones to actually use. - [CTC to In-Hand Salary Calculation](https://www.calxo.in/blog/ctc-to-inhand-salary-calculation/): Why take-home is much less than CTC, explained step by step. - [SIP vs Lumpsum India](https://www.calxo.in/blog/sip-vs-lumpsum-india/): Which investment style wins over 10 years with real data. - [HRA Exemption Calculation](https://www.calxo.in/blog/how-hra-exemption-is-calculated/): The actual Section 10(13A) formula with worked examples. - [ELSS vs PPF Tax Saving](https://www.calxo.in/blog/elss-vs-ppf-tax-saving/): Which 80C instrument beats the other over 15 years. - [Home Loan vs Rent India](https://www.calxo.in/blog/home-loan-vs-rent-india/): Honest financial comparison for Indian metro cities. - [EPF Interest Calculation](https://www.calxo.in/blog/epf-interest-calculation-india/): How PF interest is calculated each year and why the effective rate matters. - [Capital Gains Tax 2025-26](https://www.calxo.in/blog/capital-gains-tax-india-2025-26/): LTCG and STCG rates on equity, property and gold after Budget 2024-25 changes. - [Emergency Fund India](https://www.calxo.in/blog/emergency-fund-how-much-india/): How much to keep and where — liquid fund vs savings account vs FD. - [TDS on Salary](https://www.calxo.in/blog/tds-on-salary-how-it-works/): How employers calculate and deduct TDS month by month. - [15 Lakh CTC Take-Home](https://www.calxo.in/blog/what-15-lakh-ctc-actually-means/): ₹1,00,308/month in-hand breakdown for FY 2025-26. - [NPS vs PPF](https://www.calxo.in/blog/nps-vs-ppf-which-is-better/): Retirement saving comparison for salaried employees. - [Retirement Corpus Calculation](https://www.calxo.in/blog/retirement-corpus-calculation-india/): How much corpus you actually need and the math behind it. - [Mutual Fund Expense Ratio](https://www.calxo.in/blog/mutual-fund-expense-ratio-impact/): How 1% extra fee costs ₹15 lakh over 20 years. - [Loan Amortisation India](https://www.calxo.in/blog/loan-amortization-india/): Why you pay mostly interest in the first half of a loan tenure. - [Gratuity Calculation Formula](https://www.calxo.in/blog/gratuity-calculation-formula-india/): What you will actually receive under the Gratuity Act. - [UPS vs NPS 2026](https://www.calxo.in/blog/ups-vs-nps-which-is-better-2026/): Which pension scheme is better for Central Government employees. ## About - [About Calxo](https://www.calxo.in/about/): Mission, editorial process, and the team behind the calculators.