Smart money decisions,
made simple.
Free, private, instant finance calculators for India. Whether you're planning a home loan, starting a SIP, filing taxes, or retiring in peace — Vitthub has the numbers you need.
Wherever you are on your money journey
From your first salary to retirement — Vitthub covers every life stage with the right calculators.
Starting your career
Decode your CTC, compare tax regimes, and begin your first SIP with confidence.
Buying a home
See what you can afford, compare loan offers, and know your total cost before you sign.
Growing wealth
Model SIPs, lump sums, mutual funds, and tax-efficient strategies for the long run.
Planning for family
Build corpuses for your child's education, your retirement, and the goals in between.
How Vitthub works
Three steps. No sign-up.
Every tool on Vitthub works the same way — because good tools should be obvious.
Pick a calculator
Choose from 40+ calculators covering loans, investments, tax, savings, insurance, and life goals.
Enter your numbers
Simple inputs with helpful defaults. Adjust values and see results update instantly — no refresh, no waiting.
Act on the insight
Export a PDF report, share on WhatsApp, or save the URL. Come back later — we remember nothing about you.
All calculators
Explore the full suite
73+ calculators organised by category. Click any one to start — no friction.
Loans & EMI
8 calculators
EMI
Calculate EMI for home loan, car loan, and personal loan instantly with full amortization schedule.
Home Loan
Calculate your home loan EMI with current bank rates and view a complete year-wise amortization schedule.
Personal Loan
Calculate personal loan EMI for SBI, HDFC, ICICI, Axis, Kotak and other banks.
Car Loan
Calculate car loan EMI including on-road price, insurance, and RTO costs.
Education Loan
Calculate EMI on education loans including moratorium period (course duration plus grace).
EMI Affordability
Check the maximum EMI you can afford based on your salary using the safe 50% FOIR rule.
Loan Eligibility
Find the maximum home loan amount you qualify for based on your salary and existing EMIs.
Compare Loans
Compare two loan offers side by side.
Investment
6 calculators
SIP
Calculate the maturity value and gains on your mutual fund Systematic Investment Plan.
Lumpsum
Calculate the future value of a one-time investment with compound returns.
Step-up SIP
Calculate maturity of SIPs where you increase the monthly amount every year by a set percentage.
SWP
Plan monthly withdrawals from your mutual fund corpus.
SIP vs FD
Compare Systematic Investment Plan returns with Fixed Deposit returns side by side.
CAGR
Calculate the compound annual growth rate between two points in time.
Tax
9 calculators
Income Tax
Calculate income tax under the new regime (default) and old regime for FY 2026-27 (AY 2027-28).
Old vs New
Compare income tax under old and new regime side-by-side.
Salary
Convert annual CTC to monthly in-hand salary.
HRA
Calculate your House Rent Allowance exemption for metro and non-metro cities under the old tax regime.
GST
Add GST to or remove GST from any amount.
Advance Tax
Calculate quarterly advance tax instalments for Jun 15, Sep 15, Dec 15, and Mar 15.
TDS
Calculate monthly TDS on salary based on annual income and regime.
Capital Gains
Calculate short-term and long-term capital gains tax on equity, mutual funds, property, gold, and crypto.
Crypto Tax
Calculate tax on crypto (VDA) gains at 30% plus 4% cess.
Savings
13 calculators
FD
Calculate fixed deposit maturity with monthly, quarterly, half-yearly or yearly compounding.
RD
Calculate recurring deposit maturity for any bank or post office RD.
PPF
Calculate PPF maturity over the 15-year lock-in period with the current government-declared rate.
EPF
Calculate EPF balance at retirement with employer and employee contributions.
NPS
Calculate NPS corpus at retirement with lumpsum, annuity split, and monthly pension.
Gratuity
Calculate gratuity payable based on last drawn salary and years of service.
NSC
Calculate NSC maturity over 5 years at the current government rate.
KVP
Calculate when your Kisan Vikas Patra investment doubles at the current interest rate.
Sukanya Samriddhi
Calculate maturity for the Sukanya Samriddhi Yojana girl-child savings scheme.
SCSS
Calculate quarterly and total interest from the Senior Citizen Savings Scheme.
APY
Calculate Atal Pension Yojana contribution and pension received at age 60.
LIC
Estimate LIC endowment policy maturity including simple reversionary and final additional bonus.
Inflation
See how inflation erodes your purchasing power over time.
Insurance
1 calculators
Goals
4 calculators
Retirement
Plan your retirement corpus accounting for inflation, life expectancy, and post-retirement returns.
Rent vs Buy
Should you rent or buy? Compare 10-year net worth under both scenarios.
Child Education
Plan your child's education corpus accounting for education inflation (~10%).
Down Payment
Plan the SIP required to reach your home down payment goal.
Why Vitthub
Built different. On purpose.
We built Vitthub because we were tired of slow, ad-cluttered, login-walled calculators that treat users as funnels.
Bank-grade accuracy
Every formula matches RBI, SEBI, and Income Tax Department standards. What we show is what your bank or CA will calculate.
100% private by design
Every calculation runs in your browser. We never see, store, or transmit your salary, loan, or investment details.
Fast, free, forever
No paywalls, no accounts, no "pro" upgrades. Just the tools you need, loaded in under a second.
A quick introduction
Why calculators matter for Indian families
Every major financial decision in India runs on the same few numbers: the EMI you can afford, the SIP you can sustain, the tax you actually pay, the salary that actually reaches your bank account. Get those four right and almost everything else — retirement planning, home buying, kids' education, insurance cover — follows naturally.
The problem is that these numbers live inside bank websites, tax calculators, and mutual fund portals that were designed to sell you something, not help you understand. Every field has a fine-print asterisk. Every result ends with "Open your account today." Vitthub takes the opposite approach: we strip the tools down to the math, show you exactly what the formula does, and let you go back to your regular day.
The four numbers every earner should know
In-hand salary— what actually lands in your bank account, after PF, gratuity, professional tax and TDS. If you've ever been surprised by your first paycheck, this is why. Use the Salary Calculator.
Your tax liability — under the new regime (default for FY 2026-27) or the old regime if your deductions exceed ₹3.75 lakh. Most salaried earners up to ₹12 lakh now pay zero tax thanks to the ₹60,000 rebate. Use the Income Tax Calculatoror the Old vs New Regime Comparison.
The EMI you can afford — banks will sanction up to 50-55% of your monthly income as combined EMIs, but prudent finance caps this at 40%. Check before you house-hunt. Use the EMI Affordability Calculator.
What a SIP becomes — the magic of compounding on monthly investments. A ₹10,000/month SIP at 12% return for 20 years becomes ₹1 crore; the same with a 10% annual step-up becomes ₹1.55 crore. Use the SIP Calculator.
Once you have these four numbers, you have the skeleton of a financial plan. Everything else is adjustment.
Learn
Latest from the blog
Old vs New Tax Regime FY 2026-27: Which One Saves You More?
A practical comparison of the old and new tax regimes for FY 2026-27 (AY 2027-28). Find the break-even deduction where one regime beats the other, and work through real income examples.
7 Proven Ways to Reduce Your Home Loan EMI in 2026
Seven practical levers to cut your EMI — from prepayment and balance transfer to interest rate renegotiation and tenure restructuring. With numbers from a real ₹50 lakh loan.
SIP vs FD: What a 15-Year Back-Test Actually Shows
Back-tested returns of ₹10,000/month over 15 years in equity SIP vs FD. With tax calculations and the risk picture, here's the honest answer.
Glossary
Confused by a term?
EMI, SIP, CAGR, HRA, 80C, LTCG, FOIR, CIBIL — every acronym the finance industry uses, explained in plain English.
Questions?
Frequently asked
Everything people usually want to know before they dive in.
What is Vitthub?
Vitthub is a free finance hub for India with 40+ accurate calculators for EMI, SIP, income tax, salary, GST, FD, PPF, capital gains, retirement and more. Every calculation happens in your browser — we never receive, store, or share your financial data.
Is it really free? What is the catch?
Yes, fully free forever. Vitthub is ad-supported through Google AdSense. There are no paid tiers, no subscriptions, no hidden charges — just tools that work.
Do I need to create an account?
No. No sign-up, no login, no email required. Open any calculator, enter your numbers, and get results instantly. Your inputs never leave your device.
How accurate are the calculations?
Every formula matches RBI, SEBI, and Income Tax Department standards. The EMI we show is the EMI any RBI-regulated bank will charge. Tax calculations follow the latest Finance Act. Minor differences may come from bank-specific processing fees we do not include.
Is my salary and loan data safe?
Absolutely. Every calculator is client-side JavaScript — your inputs run inside your browser and are never transmitted to any server. Close the tab and the data is gone. No analytics events capture your specific numbers.
Are the tax slabs up to date for FY 2026-27?
Yes. Our income tax calculator is updated for FY 2026-27 (AY 2027-28) with the new regime as default — including the ₹60,000 rebate under Section 87A that makes income up to ₹12 lakh effectively tax-free for salaried employees.
Why should I use this instead of Groww, ClearTax, or BankBazaar?
Vitthub is purpose-built as a calculator site — faster, cleaner, ad-light, and privacy-first. The big fintechs treat calculators as a side feature to funnel you into their paid services; we are the service.
Can I use this on my phone?
Yes, all calculators are mobile-optimised with proper number keyboards, touch-friendly sliders, and WhatsApp sharing. 80% of our users visit on mobile.
Can I get a PDF report of my calculation?
Yes, most calculators have a "Download PDF Report" button that exports a formatted page you can save, print, or forward — useful for sharing with your CA, spouse, or for your own records.
How often are the numbers updated?
Tax slabs are updated within 48 hours of any Budget or Finance Act change. Bank interest rates (for bank-specific pages) are refreshed monthly. Government scheme rates (PPF, NSC, SSY, SCSS) are updated at every quarterly review.
Ready when you are.
No sign-up. No email. No commitment. Just pick a tool and start — your numbers stay with you.