Budgetcalc.in — Free Indian Budget & Investment Calculators 2026

Enter amounts per:

All values convert automatically

💰 Income Sources ₹0 ▶

Basic Salary

HRA Received

Special Allowance

Business Income

Rental Income

Investment Returns

Spouse Income

Other Income

📋 Tax & Deductions ₹0 ▶

Income Tax (%)

EPF Employee (12%)

Professional Tax

🏠 Housing & Utilities ₹0 ▶

Home Loan EMI

Rent

Society Maintenance

Electricity

Water & LPG

Internet & Mobile

Repairs & Others

🍱 Food & Groceries ₹0 ▶

Groceries

Milk & Dairy

Dining Out

Swiggy/Zomato

🚗 Transport ₹0 ▶

Car Loan EMI

Fuel

Car Insurance

Cab/Auto (Uber/Ola)

Public Transport

📚 Education & Family ₹0 ▶

School/Tuition Fees

Coaching/Extra Classes

Books & Stationery

Parents Support

Domestic Help

🏥 Health & Insurance ₹0 ▶

Health Insurance Premium

Doctor Visits

Medicines

Gym Membership

💳 Loans & Debt ₹0 ▶

Personal Loan EMI

Credit Card EMI

Education Loan EMI

🏦 Savings & Investments ₹0 ▶

SIP / Mutual Funds

PPF

NPS

LIC Premium

FD / RD

Emergency Fund

🎭 Lifestyle & Misc ₹0 ▶

OTT Subscriptions

Entertainment

Clothing & Shopping

Travel & Holidays

Festivals & Gifts

Other Expenses

Monthly Net Balance

₹0

Enter your income and expenses

Monthly Income

₹0

After-Tax

₹0

Total Expenses

₹0

Total Savings

₹0

Savings Rate

Annual Net

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📊 50-30-20 Budget Rule

Needs (≤50%)——

Wants (≤30%)——

Savings (≥20%)——

Expense Breakdown

Budget Composition

Income vs Expenses

📊 Budget Analysis

Fill in your income and expenses to get personalized advice.

⚠️ All results are estimates. Not financial advice.

MF & SIP Fixed Income Retirement Goals Analysis

Adjust for Inflation (6% p.a.) — shows real purchasing power

SIP Calculator

Monthly SIP (₹)₹5,000

Expected Return (% p.a.)12%

Tenure (Years)15 yrs

Total Corpus

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Invested

—

Est. Returns

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XIRR

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InvestedReturns

💡 ₹5,000/month at 12% for 15 years = ₹25.2L total (₹9L invested + ₹16.2L returns). Starting 10 years earlier doubles your wealth!

Step-up SIP Calculator

Starting SIP (₹)₹5,000

Annual Step-up (%)10%

Return (% p.a.)12%

Tenure (Years)15 yrs

Step-up Corpus

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vs flat SIP: —

Total Invested

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Est. Returns

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💡 A 10% annual step-up on ₹5,000 SIP at 12% for 15 years gives ~₹47.1L vs ₹25.2L with flat SIP — 87% more wealth!

Lumpsum Calculator

Investment Amount (₹)₹1,00,000

Expected Return (% p.a.)12%

Tenure (Years)10 yrs

Maturity Value

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Invested

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Returns

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SIP vs Lumpsum

Total Principal (₹)₹6,00,000

Return (% p.a.)12%

Tenure (Years)10 yrs

SIP Corpus

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Lumpsum Corpus

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Calculate to see which wins →

Fixed Deposit (FD) Calculator

Principal (₹)₹1,00,000

Interest Rate (% p.a.)7%

Tenure (Years)3 yrs

Tax Slab (%)30%

Maturity Amount

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Interest Earned

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Tax on Interest

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Real Return (Post-tax)

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⚠️ FD interest is fully taxable. At 30% slab, 7% FD gives only 4.9% post-tax return — below 6% inflation. Consider debt mutual funds for better tax efficiency.

Recurring Deposit (RD) Calculator

Monthly Deposit (₹)₹5,000

Rate (% p.a.)7%

Tenure (Years)5 yrs

Maturity Amount

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Total Deposited

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Interest Earned

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PPF Calculator — EEE Tax-Free

Annual Contribution (₹)₹1,50,000

PPF Rate (% p.a.)7.1%

Years (min 15)15 yrs

Maturity (Tax-Free)

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Total Invested

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Tax-Free Interest

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80C Tax Saving

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✅ PPF is EEE — Exempt at investment (80C), Exempt on interest, Exempt at maturity. Fully tax-free!

NPS Calculator

Monthly Contribution (₹)₹5,000

Current Age30 yrs

Expected Return (% p.a.)10%

Annuity Rate (%)6%

NPS Corpus at 60

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Lumpsum (60% Tax-Free)

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Monthly Pension

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✅ Extra ₹50,000 tax deduction under 80CCD(1B) — above the ₹1.5L 80C limit! Saves ₹15,000/year at 30% slab.

EPF Calculator

Basic Salary (₹/month)₹50,000

Current EPF Balance (₹)₹1,00,000

Years to Retirement25 yrs

EPF at Retirement

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Employee+Employer

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Total Contribution

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EPF rate: 8.15% p.a. Employee: 12% of basic. Employer: 3.67% EPF + 8.33% EPS.

Retirement Corpus Calculator

Current Age30 yrs

Retirement Age60 yrs

Monthly Expenses Now (₹)₹50,000

Inflation (% p.a.)6%

Post-Retirement Return (%)7%

Required Corpus

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Monthly Expense at Retirement

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Monthly SIP Needed (12%)

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FIRE Calculator — Financial Independence

Current Age30 yrs

Monthly Expenses (₹)₹60,000

Current Savings (₹)₹10,00,000

Monthly Savings (₹)₹40,000

Expected Return (%)12%

FIRE Number

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Years to FIRE: —

Progress to FIRE

0% of FIRE number

Lean FIRE

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Regular FIRE

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Fat FIRE

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💡 FIRE number = Annual Expenses × 25 (4% SWR). For India, use 3.5% SWR (expenses × 28.6) due to higher inflation.

Goal Planning Calculator

Target Amount (₹)₹25,00,000

Years to Goal10 yrs

Expected Return (%)12%

Inflation (% p.a.)6%

Inflation-Adjusted Target

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Monthly SIP Needed

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Lumpsum Needed Now

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Child Education Planner

Child's Current Age3 yrs

Course Type

Current Course Cost (₹)₹20,00,000

Education Inflation (%)10%

Future Course Cost

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Monthly SIP (12%)

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Lumpsum Now

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EMI Calculator

Loan Amount (₹)₹30,00,000

Interest Rate (% p.a.)8.5%

Tenure (Years)20 yrs

Monthly EMI

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Total Payment

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Total Interest

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Interest %

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Year	EMI	Principal	Interest	Balance
Total	—	—	—	—

CAGR Calculator

Initial Value (₹)₹1,00,000

Final Value (₹)₹3,10,585

Years10 yrs

CAGR

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Absolute Return

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Real CAGR (inflation-adj)

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Inflation Calculator

Current Amount (₹)₹1,00,000

Inflation Rate (%)6%

Years20 yrs

Future Amount Needed

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Loss of Purchasing Power

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Equivalent Value Today

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⚠️ ₹1,00,000 today = ₹32,000 purchasing power in 20 years at 6% inflation. Invest to beat inflation!

Income Tax FY 2025-26

Gross Annual Income (₹)₹10,00,000

80C Deductions (₹)₹1,50,000

HRA Exemption (₹)₹1,20,000

80D Health Insurance (₹)₹25,000

NPS 80CCD(1B) (₹)₹50,000

Home Loan Interest (₹)₹0

🆕 New Regime (Default)

Tax Payable

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Monthly TDS

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Std. deduction: ₹75,000 · 87A rebate if income ≤ ₹12L

📋 Old Regime

Tax Payable

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Monthly TDS

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Std. deduction: ₹50,000 · All deductions allowed

Enter income to compare regimes →

New Regime Tax Slabs FY 2025-26

Income Slab	Rate	Your Tax
Up to ₹4L	0%	—
₹4L – ₹8L	5%	—
₹8L – ₹12L	10%	—
₹12L – ₹16L	15%	—
₹16L – ₹20L	20%	—
₹20L – ₹24L	25%	—
Above ₹24L	30%	—

GST Calculator

Amount (₹)₹10,000

GST Slab

Mode

Total (incl. GST)

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Base Price

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CGST

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SGST

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Total GST

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HRA Exemption Calculator

Basic Salary (Annual ₹)₹6,00,000

HRA Received (Annual ₹)₹2,40,000

Rent Paid (Annual ₹)₹2,40,000

City Type

HRA Exemption

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Minimum of 3 conditions

Actual HRA

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Rent – 10% Basic

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50%/40% Basic

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Exempt HRA

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Taxable HRA

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Capital Gains Tax Calculator

Asset Type

Purchase Price (₹)₹1,00,000

Sale Price (₹)₹2,50,000

Holding Period (months)18 mo

Tax Payable

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Gain/Loss

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Tax Rate

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Net Profit

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TDS Calculator

Payment Type

Gross Amount (₹)₹1,00,000

TDS Amount

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TDS Rate

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Net Amount Received

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💡 File Form 15G/15H if your total income is below taxable limit to avoid TDS deduction on FD interest.

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