Built for India · Free Forever
The financial calculator platform that shows its work.
Instant, transparent calculations for investing, loans, taxes and retirement, with every formula visible and every assumption stated.
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Browse by category
Tap a category to see every calculator under it.
Sinvesting
SIP Calculator
Project how your monthly mutual fund SIP could grow over time with compounding.
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Eloans
EMI Calculator
Calculate the monthly instalment for any loan amount, rate and tenure.
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Fretirement
FIRE Calculator
Find the age you could financially retire based on your savings rate.
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Itaxation
Income Tax Calculator
Compare your tax outgo under the old and new regimes instantly.
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Hloans
Home Loan Calculator
Estimate your EMI, total interest and payout for a home loan.
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Psavings
PPF Calculator
Project your Public Provident Fund maturity value across the lock-in.
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Cinvesting
CAGR Calculator
Work out the annual growth rate of an investment between two dates.
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Gtaxation
GST Calculator
Add or remove GST from any amount across all applicable slab rates.
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Start here
What are you trying to do?
Start from your goal, not a calculator name.
Grow my wealth
Turn monthly savings into a real corpus over time.
Buy a home
Work out what you can afford and what it'll cost.
Save on tax
Compare regimes and claim every exemption you can.
Plan for retirement
Find your FIRE number and the corpus to get there.
Manage a loan
See the real cost of a loan, and how to cut it down.
Build a safety net
Size your emergency fund and track your net worth.
Why us
Why Nivesh
A few things we’d want to know before trusting a finance tool.
Every formula, shown
No black boxes. Each calculator shows the exact formula and every assumption behind its result, right on the same page, so you can check the math yourself instead of just trusting a number.
Free, always
No sign-up, no paywall, no ads gating a result. Every calculator is free, every time, with no limit on how often you use it. This isn't a free trial for something we'll charge for later.
Built for Indian rules
Tax slabs, PPF limits, GST rates, HRA exemptions, all tuned to India's actual, current rules instead of generic global defaults, and dated so you can see how recently each one was checked.
Nothing leaves your browser
Every number you type is calculated locally, on your own device. Nothing is sent to a server, stored in a database, or shared with anyone. Close the tab and it's gone, by design.
50+
Calculators across 8 categories
1.2M
Calculations run every month
100%
Free, no sign-up required
Investing
How to start a SIP with just ₹500 a month
A beginner's guide to starting small, staying consistent, and letting compounding do the heavy lifting.
6 min read
Savings
PPF vs EPF: which one should you prioritise?
Comparing lock-in, returns and flexibility for salaried savers.
6 min read
Fundamentals
CTC vs. gross salary vs. net salary, explained
Untangling the three numbers on your offer letter and payslip.
5 min read
Is Nivesh free to use?
Yes. Every calculator on this site is free, with no signup, no paywall, and no limit on how many times you use it. There's no premium tier or usage cap hiding behind the free version. What you see is the whole product.
Do I need to create an account?
No. There's nothing to sign up for and no account to create. Open any calculator, enter your numbers, and see the result immediately, whether it's your first visit or your hundredth.
Is my data safe?
Everything you enter is processed entirely in your own browser and never sent to a server, so there's nothing about your income, loans, or investments for us to store, lose, or share. See the Privacy Policy for the full picture.
Are the results financial advice?
No. These are general-purpose educational tools meant to help you understand how the numbers work, not personalized financial, tax, or legal advice for your specific situation. See the Disclaimer before acting on any figure.
How accurate are the calculators?
Every formula is shown on the calculator page itself, and every rate or statutory limit it uses is dated so you know how current it is. See Methodology for how that works, and always verify a figure against an official source before relying on it for a real decision.
How often are rates and tax rules updated?
We review each rate table periodically and note the date it was last checked directly on the relevant calculator page, rather than leaving you to guess. That date is the fastest way to tell how current any given number actually is.
Ready to run the numbers?
Pick a calculator and get an instant, transparent result. No sign-up, ever.