Free Financial Calculators
Plan your investments, calculate loan EMIs, track compound interest, and more. All calculators are free, instant, and built for Indian investors.
SIP Calculator
~2M monthly searchesCalculate returns on your Systematic Investment Plan. See how small monthly investments grow over time with the power of compounding.
EMI Calculator
~1.5M monthly searchesCalculate your Equated Monthly Instalment for home loans, car loans, and personal loans. Know exactly what you will pay each month.
Compound Interest Calculator
~800K monthly searchesCalculate compound interest with different compounding frequencies. Understand how your money grows exponentially over time.
CAGR Calculator
~400K monthly searchesCalculate the Compound Annual Growth Rate of your investments. Measure true annualised returns across any time period.
FD Calculator
~600K monthly searchesCalculate Fixed Deposit maturity amount and interest earned. Compare FD returns with different banks and tenures.
PPF Calculator
~500K monthly searchesCalculate your Public Provident Fund maturity value. Plan your tax-free long-term savings with yearly investment projections.
Lumpsum Calculator
~300K monthly searchesCalculate returns on a one-time investment in mutual funds or stocks. See how a lump sum grows over different time horizons.
Brokerage Calculator
~200K monthly searchesCalculate exact trading costs including brokerage, STT, exchange charges, GST, SEBI charges, and stamp duty in India.
Gratuity Calculator
~250K monthly searchesCalculate your gratuity amount based on salary, years of service, and dearness allowance. Know your retirement benefits.
About Our Financial Calculators
Downstox provides a comprehensive suite of free financial calculators designed specifically for Indian investors and borrowers. Whether you are planning a Systematic Investment Plan (SIP), calculating your home loan EMI, or estimating your retirement gratuity, our tools give you instant, accurate results with Indian number formatting (lakhs and crores).
SIP Calculator
The SIP Calculator helps you estimate the future value of regular monthly investments in mutual funds. By entering your monthly investment amount, expected return rate, and investment duration, you can see how small amounts compound into significant wealth over time. SIP is one of the most popular investment methods in India, with over 7 crore active SIP accounts.
EMI Calculator
Our EMI Calculator computes the Equated Monthly Instalment for any loan — home loan, car loan, personal loan, or education loan. Enter the loan amount, interest rate, and tenure to see your monthly payment, total interest payable, and total cost of the loan. This is essential for anyone taking a loan in India.
Compound Interest Calculator
Understand the power of compounding with our CI calculator. Choose between monthly, quarterly, half-yearly, or yearly compounding to see how different frequencies affect your returns. Albert Einstein reportedly called compound interest the eighth wonder of the world.
CAGR Calculator
The Compound Annual Growth Rate calculator helps you measure the true annualised return on an investment over any period. CAGR smooths out volatility and gives you a clear picture of investment performance, making it easier to compare different investments.
FD Calculator
Fixed Deposits remain one of the most popular savings instruments in India. Our FD calculator shows you the maturity amount and interest earned for any deposit amount, interest rate, and tenure with different compounding options.
PPF Calculator
The Public Provident Fund is a government-backed, tax-free savings scheme. Our PPF calculator projects your maturity value over the 15-year lock-in period (extendable in 5-year blocks) at the current PPF interest rate of 7.1%.
Lumpsum Calculator
Planning a one-time investment? The Lumpsum calculator shows how a single investment grows over time at your expected rate of return. Compare this with SIP to decide the best approach for your financial goals.
Brokerage Calculator
Trading in Indian stock markets involves multiple charges — brokerage, STT, exchange transaction charges, GST, SEBI charges, and stamp duty. Our brokerage calculator computes all these charges for equity delivery, intraday, F&O, and commodity segments so you know your exact trading costs.
Gratuity Calculator
Under the Payment of Gratuity Act 1972, employees who have completed 5 or more years of service are entitled to a gratuity. Our calculator uses the standard formula — (15 x Last drawn salary x Years of service) / 26 — to compute your gratuity amount instantly.