# FinCalculator India — Free Financial Calculators & Developer REST APIs > Independent private financial utility providing free, edge-cached calculators, tax estimation tools, and open JSON APIs for India. > Website: https://fincalculator.in > API Docs: https://fincalculator.in/api ## Overview FinCalculator India offers 40+ high-precision financial calculators for mutual fund SIPs, loan EMIs, Indian income tax (Old vs New Regime, Budget 2024 updates), Sukanya Samriddhi Yojana (SSY), Capital Gains Tax (LTCG / STCG), PPF, EPF, NPS, GST, and business valuation metrics. All tools run client-side in browser memory with zero user data storage, ensuring complete privacy. --- ## Key Calculators ### Investment & Wealth - [SIP Calculator](https://fincalculator.in/sip): Calculate returns for daily, weekly, monthly, quarterly, or yearly mutual fund SIPs. - [Goal SIP Calculator](https://fincalculator.in/sip-for-goal): Reverse SIP solver to calculate required monthly investment for a target goal. - [Step-Up SIP Calculator](https://fincalculator.in/step-up-sip): Model annual percentage or fixed-amount top-ups in mutual fund SIPs. - [Lumpsum Calculator](https://fincalculator.in/lumpsum-calculator): Calculate future value of one-time mutual fund investments. - [Compounding Calculator](https://fincalculator.in/compounding-calculator): Visualize compound interest growth multiplier (Nx) over time. - [CAGR Calculator](https://fincalculator.in/cagr-calculator): Compute Compound Annual Growth Rate for stock and portfolio returns. - [SWP Calculator](https://fincalculator.in/swp-calculator): Plan systematic monthly withdrawals from a retirement corpus. ### Government Savings Schemes - [Sukanya Samriddhi Yojana (SSY) Calculator](https://fincalculator.in/sukanya-samriddhi-yojana-calculator): 21-year maturity & 15-year deposit calculator with 8.2% interest and age 18 higher education withdrawal. - [PPF Calculator](https://fincalculator.in/ppf-calculator): Public Provident Fund 15-year tax-free (EEE) maturity calculator. - [NSC Calculator](https://fincalculator.in/nsc-calculator): Post Office National Savings Certificate guaranteed returns calculator. - [NPS Calculator](https://fincalculator.in/nps-calculator): National Pension System corpus, 60/40 lump sum & annuity split, and 80CCD tax benefits. - [EPF Calculator](https://fincalculator.in/epf-calculator): Employees Provident Fund retirement corpus projection. ### Income Tax & Capital Gains - [Section 44ADA Freelance Tax Calculator](https://fincalculator.in/freelancer-income-tax-calculator-44ada): Presumptive tax optimizer for freelancers and consultants under Sec 44ADA. - [Freelance Salary & Take-Home Calculator](https://fincalculator.in/freelance-salary-calculator): Net monthly take-home salary & corporate CTC equivalence under FY 2026-27 New Tax Regime. - [ESOP & Startup Equity Calculator](https://fincalculator.in/esop-tax-calculator): Dual-stage tax on ESOP exercise perquisites (Sec 17(2)) and capital gains at share sale. - [LTCG Tax Calculator](https://fincalculator.in/ltcg-calculator): Long-Term Capital Gains tax calculator under Section 112A (12.5% rate, ₹1.25L exemption). - [STCG Tax Calculator](https://fincalculator.in/stcg-calculator): Short-Term Capital Gains tax calculator under Section 111A (20% flat rate). - [Old vs New Tax Regime Calculator](https://fincalculator.in/old-vs-new-regime-income-tax-calculator): Side-by-side comparison for Indian income tax regimes. - [ITR-3 Salary + Capital Gains Tax Calculator](https://fincalculator.in/itr3-salary-capital-gains-tax-calculator): Combined tax calculator for Salary + Capital Gains (STCG/LTCG) under ITR-3 New Regime. - [New Tax Regime Calculator (FY 2026-27)](https://fincalculator.in/new-regime-income-tax-calculator/2026-27): Tax liability calculation with standard deduction ₹75,000 and revised slabs. - [Salary / Take-Home Pay Calculator](https://fincalculator.in/salary-calculator): Calculate in-hand monthly salary from CTC after PF, PT, and IT deductions. - [HRA Exemption Calculator](https://fincalculator.in/hra-calculator): Calculate House Rent Allowance tax exemption under Section 10(13A). - [Gratuity Calculator](https://fincalculator.in/gratuity-calculator): Calculate gratuity payout under Payment of Gratuity Act 1972 (₹20L tax-free cap). ### Loans & Real Estate Strategy - [Rent vs Buy Calculator](https://fincalculator.in/rent-vs-buy-calculator): Compare buying a home with home loan EMI vs renting and investing down payment & monthly savings in Equity SIPs. - [EMI Calculator](https://fincalculator.in/emi): Equated Monthly Installment & loan amortization schedule. - [Interest-Free Home Loan Calculator](https://fincalculator.in/interest-free-home-loan-calculator): Offset home loan interest using a parallel mutual fund SIP. - [Loan Pre-payment Calculator](https://fincalculator.in/loan-prepayment-calculator): Model tenure reduction and interest saved via extra EMIs or lump sums. - [Home Loan Eligibility Calculator](https://fincalculator.in/home-loan-eligibility): Max loan qualification based on FOIR and income. ### Business & SME Tools - [DSCR Calculator](https://fincalculator.in/dscr-calculator): Debt Service Coverage Ratio calculator for business loan underwriting. - [GST ITC & Reverse Charge Calculator](https://fincalculator.in/gst-itc-calculator): Calculate Input Tax Credit eligibility and net GST liability. - [Startup Burn Rate Calculator](https://fincalculator.in/startup-burn-rate-calculator): Calculate runway months and monthly net burn rate for startups. - [Rental Yield Calculator](https://fincalculator.in/rental-yield-calculator): Compute gross and net property rental yields after taxes and maintenance. - [Net Worth Calculator](https://fincalculator.in/net-worth-calculator): Track liquid and fixed financial assets against short & long-term liabilities. - [Working Capital Calculator](https://fincalculator.in/working-capital-calculator): Calculate operating working capital and current ratio for SME cash flow management. --- ## Free Developer REST APIs FinCalculator exposes CORS-open, edge-cached REST endpoints under `/api/v1/`: - `GET /api/v1/sip?investment=10000&interest=12&years=10&frequency=monthly` - `GET /api/v1/emi?principal=5000000&interest=8.5&years=20` - `GET /api/v1/ssy?yearlyInvestment=150000&girlAge=1&rate=8.2` - `GET /api/v1/capital-gains?buyValue=500000&sellValue=850000&holdingMonths=24` - `GET /api/v1/income-tax?grossIncome=1500000®ime=new-2026-27` API Documentation: https://fincalculator.in/api --- ## Legal & Non-Governmental Notice fincalculator.in is an independent private utility website and is NOT an official Government of India website. We have no affiliation with the Income Tax Department, Ministry of Finance, Reserve Bank of India (RBI), or EPFO. All calculations are provided strictly for educational and estimation purposes. We do not store or own user financial data.