Smart Financial Planning
Made Simple for India
Calculate Income Tax, plan SIP investments, estimate Loan EMIs, track Gold rates and analyse Mutual Fund returns — all for free, 100% on-device, with zero data collection.
Compare New vs Old regime tax liability side-by-side. Includes FY 2025-26 Budget slabs, ₹75,000 standard deduction, Section 80C/80D, and HRA deductions.
Open Calculator →Model your 15-year PPF corpus at 7.1% government-guaranteed rate. See Section 80C tax savings and EEE (Exempt-Exempt-Exempt) tax-free maturity.
Open Calculator →Project the future cost of education, home purchase, wedding, or retirement adjusted for India's CPI inflation rate. Includes SIP required to fund each goal.
Open Calculator →Calculate wealth from monthly SIP contributions with step-up increments. Includes year-wise wealth projections with donut chart breakdown of invested vs. returns.
Open Calculator →Determine how long your retirement corpus will last with fixed monthly withdrawals. Shows corpus sustainability score and depletion timeline.
Open Calculator →Project compounding returns on a one-time bulk investment. Includes 5, 10, 15, 20-year milestones and wealth multiplier calculation.
Open Calculator →Calculate monthly EMI for Home, Car, Personal, or Education loans with full amortization schedule. See total interest payable and principal vs. interest split.
Open Calculator →Calculate maturity payout for bank Fixed Deposits (lumpsum) and Recurring Deposits (monthly). Supports all compounding frequencies — quarterly, monthly, annual.
Open Calculator →Compare compound vs simple interest growth across daily, monthly, quarterly, and annual compounding frequencies. Visualise the compounding advantage gap.
Open Calculator →24K, 22K, 18K gold prices per 10g, silver per kg, platinum and stock indices updated every 3 minutes.
View Rates →Instant FX conversion across 20+ global currencies including INR, USD, EUR, AED, GBP, JPY with live benchmark rates.
Convert Now →AMFI-sourced performance rankings for large cap, mid cap, small cap, ELSS, flexicap, and index funds.
Explore Funds →Curated Union Budget 2025-26, RBI monetary policy, SEBI regulations, GST updates, and global economy news.
Read News →Take India's Smartest Financial Suite Everywhere
Calculate Income Tax, SIP Compounding, SWP Cashflow & Loan EMIs offline on your smartphone with 100% on-device privacy.
About FinCalc Suite Pro — India's Trusted Financial Calculator Platform
FinCalc Suite Pro is a comprehensive, free-to-use financial planning platform designed specifically for Indian investors, salaried employees, small business owners, and NRIs managing global currency portfolios. Built with a privacy-first architecture, every calculation — from complex income tax comparisons to multi-decade SIP projections — runs entirely on your device, with zero data transmitted to any external server.
Why Use FinCalc Suite Pro?
Financial planning in India is uniquely complex. The dual tax regime system (New vs. Old Regime) introduced in Budget 2020 and significantly enhanced in Budget 2025-26, the quarterly-revised PPF and SSY rates, the interplay between HRA exemptions and Section 80C investments, and the compounding mechanics of mutual fund SIPs require a dedicated, always-updated tool — not a simple spreadsheet.
FinCalc Suite Pro is updated every financial year following the Union Budget to incorporate the latest income tax slabs, standard deduction amounts, Section 87A rebate thresholds, and long-term capital gains tax rules. The FY 2025-26 calculators reflect the Budget 2025 announcements including the zero-tax threshold of ₹12 lakh, the enhanced standard deduction of ₹75,000, and the revised Section 87A rebate structure.
Understanding Indian Financial Planning in FY 2025-26
The Union Budget 2025-26 brought transformative changes for individual taxpayers. The most significant change is the revision of the New Tax Regime to completely exempt income up to ₹12 lakh from income tax through the enhanced Section 87A rebate. For salaried individuals, this threshold effectively extends to ₹12.75 lakh when accounting for the ₹75,000 standard deduction.
For those with significant deductions — such as HRA-paying employees in metropolitan cities, home loan borrowers, and maximum 80C investors — the Old Tax Regime may still provide superior outcomes. Our Income Tax Calculator performs a precise side-by-side comparison so you can make an informed decision before filing your ITR.
On the investment side, the RBI's decision to cut the repo rate to 6.25% in April 2025 (the first cut in 5 years) has meaningfully reduced home loan EMIs for floating-rate borrowers while simultaneously compressing bank FD rates. This makes equity mutual fund SIPs increasingly attractive for long-term wealth creation.