How do I calculate my home loan EMI?

Home loan EMI is calculated using the formula: EMI = P x r x (1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the monthly interest rate, and n is the number of months. Use our free EMI calculator for instant results.

What is the income tax on 12 lakh salary in India for FY 2025-26?

For FY 2025-26, income up to Rs 12 lakh is completely tax-free under the new tax regime due to the Section 87A rebate of Rs 60,000. For salaried individuals, after the Rs 75,000 standard deduction, income up to Rs 12.75 lakh attracts zero tax.

How is GST calculated in India?

GST is calculated as: GST Amount = Original Price x GST Rate / 100. The total price including GST = Original Price + GST Amount. For reverse GST calculation: Original Price = Price with GST x 100 / (100 + GST Rate).

How is chit fund return calculated in India?

Chit fund return depends on when you are prized. The net kitty = Total kitty minus foreman commission (typically 5%). The auction discount is shared among non-prized members as dividend. Effective annual return is higher if prized early in the chit duration.

What is the gratuity eligibility after Budget 2025?

After the amendment to the Payment of Gratuity Act, employees are eligible for gratuity after completing 1 year of service. The formula is: Gratuity = (Basic + DA) x 15/26 x number of years of service.

What is BMI and how is it calculated?

BMI (Body Mass Index) = Weight in kg divided by (Height in metres squared). A BMI below 18.5 is underweight, 18.5-24.9 is normal, 25-29.9 is overweight, and 30 or above is obese. Our BMI calculator supports both cm and feet/inches input.

CalcIndia — Free EMI, SIP, GST, Tax & BMI Calculators India

Free Online Calculators for India 🇮🇳

EMI, SIP, GST, Income Tax, BMI, Loan, Business & more — all free, accurate, and instant results with detailed breakdowns.

40+

Calculators

Finance Calculators

Calculate EMI, SIP returns, FD/RD maturity, PPF, GST, Income Tax and more — all with detailed breakdowns.

EMI Calculator Popular

Calculate your monthly EMI for any loan using the standard formula: P×R×(1+R)^N / ((1+R)^N-1)

Loan Amount (₹)

Annual Interest Rate (%)

Tenure (Months)

Monthly EMI

Principal

Total Interest

Total Amount

Interest %

SIP Calculator Popular

Calculate the maturity value of your Systematic Investment Plan using compound interest formula.

Monthly Investment (₹)

Expected Annual Return (%)

Time Period (Years)

Maturity Value

Invested Amount

Estimated Returns

Wealth Gained

Return %

FD Calculator

Calculate Fixed Deposit maturity amount with quarterly compounding.

Principal Amount (₹)

Annual Interest Rate (%)

Tenure (Years)

Compounding Frequency

Maturity Amount

Principal

Interest Earned

Effective Rate

Return %

RD Calculator

Calculate Recurring Deposit maturity amount with quarterly compounding.

Monthly Deposit (₹)

Annual Interest Rate (%)

Tenure (Months)

Maturity Amount

Total Deposited

Interest Earned

PPF Calculator

Calculate Public Provident Fund maturity amount at current 7.1% p.a. rate (compounded annually).

Yearly Investment (₹) Max ₹1,50,000

Tenure (Years) Min 15 years

Interest Rate (%)

Maturity Amount

Total Invested

Interest Earned

Tax Savings (30%)

GST Calculator Popular

Calculate GST inclusive/exclusive amounts with CGST, SGST and IGST split.

Amount (₹)

GST Rate (%)

Calculation Type

Transaction Type

Total Amount (with GST)

Base Amount

GST Amount

CGST / SGST

IGST

Income Tax Calculator FY 2025-26

Calculate income tax under New Tax Regime (default) for FY 2025-26 with updated slabs.

Annual Gross Income (₹)

Tax Regime

Total Tax Payable

Taxable Income

Base Tax

Surcharge (4% HEC)

Monthly Tax

Effective Tax Rate

Net Take-Home (Yr)

HRA Exemption Calculator

Calculate HRA exemption under Section 10(13A). Exemption = minimum of the three conditions.

Basic Salary (Monthly ₹)

HRA Received (Monthly ₹)

Rent Paid (Monthly ₹)

City

HRA Exemption (Monthly)

Condition 1: HRA Received

Condition 2: 50/40% of Basic

Condition 3: Rent - 10% Basic

Annual Exemption

Gratuity Calculator

Calculate gratuity as per the amended Payment of Gratuity Act. Eligible after 1 year of service: (Basic+DA) × 15/26 × Years of Service.

Basic + DA (Monthly ₹)

Years of Service

Gratuity Amount

Monthly Basic+DA

Service Years

Formula Used

B×15/26×N

Tax Exempt Limit

₹20,00,000

Chit Fund Calculator India

Calculate returns, dividend, foreman commission and net benefit for Indian chit fund schemes regulated under the Chit Funds Act 1982.

Total Members

Monthly Contribution (₹)

Chit Duration (months)

Foreman Commission (%)

Auction Discount (% of kitty — typical 20-40%)

Net Benefit to Subscriber

Total Kitty (Chit Value)

Total You Pay (All Months)

Foreman Commission Deducted

Net Kitty After Commission

Typical Auction Discount

Amount Subscriber Receives

Dividend Per Non-Prized Member

Effective Annual Return (%)

TDS Calculator

Calculate TDS deduction on salary or professional fees as per Income Tax Act.

Payment Type

Amount (₹)

TDS Amount

Gross Amount

TDS Rate

Net Payable

🏦 Loan Calculators

Calculate home loan, personal loan, car loan EMIs, eligibility and more with detailed breakdowns.

Home Loan EMI Calculator Popular

Calculate monthly EMI for your home loan with amortization summary.

Loan Amount (₹)

Interest Rate (% p.a.)

Tenure (Years)

Monthly EMI

Principal

Total Interest

Total Amount

Interest Ratio

Home Loan Eligibility

Find out the maximum home loan amount you're eligible for based on your income and obligations.

Net Monthly Income (₹)

Existing EMIs (₹/month)

Interest Rate (% p.a.)

Loan Tenure (Years)

Max Loan Eligible

Eligible EMI (50%)

Available EMI

Personal Loan EMI

Calculate personal loan EMI — typically 10%–24% interest rates in India.

Loan Amount (₹)

Interest Rate (% p.a.)

Tenure (Months)

Monthly EMI

Principal

Total Interest

Total Amount

Interest Cost %

Car Loan EMI

Calculate car loan EMI with total interest payable.

Car Loan Amount (₹)

Interest Rate (% p.a.)

Tenure (Months)

Monthly EMI

Principal

Total Interest

Total Payment

Education Loan EMI

Calculate education loan EMI. Usually has a moratorium period during study.

Loan Amount (₹)

Interest Rate (% p.a.)

Repayment Tenure (Years)

Monthly EMI

Principal

Total Interest

Total Amount

Loan Prepayment Savings

Calculate how much interest you save by making a one-time prepayment on your loan.

Outstanding Loan (₹)

Interest Rate (% p.a.)

Remaining Months

Prepayment Amount (₹)

Interest Saved

EMI Before

EMI After

Months Saved

New Outstanding

Balance Transfer Savings

Calculate savings when transferring loan to a lower interest rate lender.

Outstanding Loan (₹)

Current Rate (% p.a.)

New Rate (% p.a.)

Remaining Tenure (Months)

Total Savings

Old EMI

New EMI

Monthly Saving

❤️ Health & Fitness Calculators

BMI, BMR, calories, ideal weight, body fat, pregnancy and more health calculators.

BMI Calculator Popular

Calculate Body Mass Index (BMI = weight / height²) and find out your weight category.

Height unit:

Weight (kg)

Height (cm)

Your BMI

BMR Calculator

Calculate Basal Metabolic Rate — calories your body burns at rest (Mifflin-St Jeor formula).

Weight (kg)

Height (cm)

Age (years)

Gender

Activity Level

Daily Calories Needed (TDEE)

BMR (at rest)

Weight Loss (-500)

Weight Gain (+500)

Calorie Calculator

Calculate daily calorie requirement based on your goal — lose weight, maintain, or gain muscle.

Weight (kg)

Height (cm)

Age

Gender

Goal

Daily Calorie Target

Protein (30%)

Carbs (40%)

Fats (30%)

Ideal Body Weight

Calculate your ideal body weight using multiple standard formulas (Devine, Robinson, Miller).

Height (cm)

Gender

Ideal Weight (Devine)

Robinson Formula

Miller Formula

BMI Healthy Range

Pregnancy Due Date Calculator

Calculate expected due date (EDD) based on last menstrual period (Naegele's rule: LMP + 280 days).

First Day of Last Menstrual Period

Expected Due Date

Weeks Pregnant

Trimester

Days to Due Date

Water Intake Calculator

Calculate your recommended daily water intake based on weight and activity level.

Weight (kg)

Activity Level

Daily Water Intake

In Glasses (250ml)

In ml

Body Fat % Calculator

Estimate body fat percentage using the US Navy method (waist, neck, height measurements).

Gender

Height (cm)

Waist (cm)

Neck (cm)

Body Fat %

Ovulation Calculator

Find your fertile window and ovulation date based on your menstrual cycle.

First Day of Last Period

Average Cycle Length (days)

Ovulation Date

Fertile Window Start

Fertile Window End

Next Period

📚 Education Calculators

Calculate percentage, CGPA conversion, grades, marks required and more.

Percentage Calculator Popular

Calculate percentage of marks obtained out of total marks.

Marks Obtained

Total Marks

Percentage

Grade

Marks Lost

CGPA to Percentage

Convert CGPA to percentage. Formula: CGPA × 9.5 (as per CBSE/UGC guidelines).

Your CGPA

Scale

Percentage

CGPA

Grade

Grade Calculator

Calculate overall grade from multiple subjects with their respective weightages.

Subject 1 Marks (%)

Weightage (%)

Subject 2 Marks (%)

Weightage (%)

Subject 3 Marks (%)

Weightage (%)

Subject 4 Marks (%)

Weightage (%)

Weighted Average

Letter Grade

GPA (4.0 Scale)

Marks Required to Pass

Calculate minimum marks needed in remaining subjects to achieve your target percentage.

Marks Scored So Far

Total Marks So Far

Remaining Total Marks

Target Percentage (%)

Marks Required in Remaining

Current %

Target %

% Needed in Remaining

Scholarship Eligibility Check

Check if you meet the basic academic eligibility criteria for scholarship applications.

Your Percentage / CGPA

Scale

Family Annual Income (₹)

Eligibility Status

Merit Scholarships

Need-based Scholarships

Govt Schemes

📊 Business Calculators

Profit/loss, markup, break-even, ROI, GST invoice, discount and commission calculators.

Profit & Loss Calculator

Calculate profit, loss, profit percentage and selling price for any product.

Cost Price (₹)

Selling Price (₹)

Profit / Loss

Cost Price

Selling Price

Profit/Loss %

Status

Markup Calculator

Calculate selling price from cost price and desired markup percentage.

Cost Price (₹)

Markup (%)

Selling Price

Cost Price

Markup Amount

Profit Margin %

Break-Even Calculator

Find the break-even point — units to sell to cover all costs.

Fixed Costs (₹)

Selling Price per Unit (₹)

Variable Cost per Unit (₹)

Break-Even Units

Break-Even Revenue

Contribution Margin

Margin %

ROI Calculator

Calculate Return on Investment — how much profit you made relative to investment.

Initial Investment (₹)

Final Value / Returns (₹)

Time Period (Years)

ROI

Net Profit

Annualised ROI

CAGR

Discount Calculator

Calculate discounted price and savings amount for any discount percentage.

Original Price (₹)

Discount (%)

Final Price

Discount Amount

You Save

Commission Calculator

Calculate sales commission amount based on sale value and commission rate.

Sale Amount (₹)

Commission Rate (%)

Commission Earned

Sale Value

Net After Commission

GST Invoice Calculator

Calculate total invoice amount with GST for multiple items.

Item Amount (₹) before GST

GST Rate (%)

Quantity

Invoice Total

Subtotal

CGST

SGST

Total GST

🗓️ Everyday Use Calculators

Age, date difference, tip, bill split, fuel cost and currency converters.

Age Calculator Popular

Calculate exact age in years, months, days from date of birth.

Date of Birth

Your Age

In Months

In Days

Next Birthday

Day of Birth

Date Difference Calculator

Calculate the difference between two dates in days, months and years.

Start Date

End Date

Total Days

Years

Months

Weeks

Working Days (approx)

Tip Calculator

Calculate tip amount and total bill per person for a restaurant or service.

Bill Amount (₹)

Tip (%)

Number of People

Tip Amount

Total Bill

Per Person

Split Bill Calculator

Split a bill equally or by percentage among multiple people.

Total Bill (₹)

Number of People

Tax % (if applicable)

Each Person Pays

Bill Before Tax

Tax Amount

Total with Tax

Fuel Cost Calculator

Calculate fuel cost for a trip based on distance, mileage and fuel price.

Trip Distance (km)

Vehicle Mileage (km/L)

Fuel Price (₹/L)

Total Fuel Cost

Fuel Needed

Cost per km

Currency Converter

Convert Indian Rupee (INR) to major currencies. Static reference rates — verify before transactions.

Amount (₹ INR)

Convert To

Converted Amount

INR Amount

Exchange Rate

⚠️ Static reference rates. Check live rates at xe.com before transactions.

ℹ️ About CalcIndia

CalcIndia is a free, comprehensive online calculator platform designed specifically for Indian users. We provide accurate, easy-to-use calculators across finance, loans, health, education, business and everyday use.

All financial calculators use standard Indian formulas — EMI calculations use the standard reducing balance method, tax calculations use the latest FY 2025-26 slabs, and GST calculations correctly split CGST/SGST/IGST.

CalcIndia is completely free to use. We are ad-supported through Google AdSense to keep the platform running.

Contact

For feedback or corrections, please use the contact form on our website.

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CalcIndia does not collect, store or share any personal data entered into our calculators. All calculations are performed locally in your browser. We do not require registration or login.

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Disclaimer

All calculators on CalcIndia are for informational and educational purposes only. Results should not be taken as financial, medical, or legal advice.

Financial calculators use standard formulas and may not reflect exact bank calculations, which can vary based on specific terms, conditions and processing methods. Always verify with your financial institution before making decisions.

Health calculators are general estimates and should not replace professional medical advice. Consult a qualified healthcare professional for personalised guidance.

Income Tax calculations are based on published FY 2025-26 slabs and may not account for all exemptions, deductions or special provisions. Consult a chartered accountant for tax planning.

Currency conversion rates are static reference rates and may not reflect current market rates. Always verify with a reliable source before financial transactions.