EMICalcs

EMICalcs is a free, India-focused hub of 36 financial calculators covering the decisions Indians actually face: loan EMIs (home, car, personal, and credit-card EMIs including the 18% GST banks add), investments (SIP, step-up SIP, goal SIP, lumpsum, SWP, CAGR, stock averaging), government schemes (PPF, EPF, NPS, Sukanya Samriddhi), deposits (FD, RD), and tax and salary (income tax for FY 2026-27 with a new-vs-old regime comparison, HRA exemption, TDS, gratuity, GST, GST interest and late fee, and a CTC-to-in-hand salary calculator).

Beyond single calculators there are interactive comparison tools — SIP vs lumpsum, buy vs rent, prepay vs invest, FD vs SIP — plus a blog of worked-example guides where every rupee figure is generated by the same engines as the calculators.

Quality is the differentiator: every calculator ships with automated math tests, so the site will not build if a formula drifts. Tax rules are current for FY 2026-27, results are shareable via URL and WhatsApp, amortization schedules export to CSV, and any calculator can be embedded free on another site. No signup, no app install, no paywall.