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SIP, EMI, income tax, GST, BMI — instant answers to your everyday financial and math questions. Fast, accurate, free.

Popular: SIP EMI Income Tax GST BMI PPF
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SIP Calculator Example

Monthly SIP₹10,000
Expected Return (p.a.)12%
Period15 years
Total Corpus₹50.46L
Amount Invested₹18L
Returns Earned₹32.46L
Try SIP Calculator →

EMI Calculator Example

Loan Amount₹50,00,000
Interest Rate (p.a.)8.5%
Tenure20 years
Monthly EMI₹43,391
Total Interest₹54.14L
Total Payable₹1.04Cr
Try EMI Calculator →

PPF Calculator Example

Yearly Contribution₹1,50,000
Interest Rate (p.a.)7.1%
Period15 years
Maturity Amount₹40.68L
Total Invested₹22.50L
Interest Earned₹18.18L
Try PPF Calculator →
FY 2025–26 Updated

Income Tax Calculator
New vs Old Regime

Updated for the latest Budget. Instantly compare your tax liability under the new and old regime — with ₹0 tax up to ₹12L in the new regime.

Calculate my tax → HRA Exemption
New Regime
₹0
up to ₹12L income
Standard Deduction
₹75K
new regime
80C Deduction
₹1.5L
old regime only
Peak Rate
30%
above ₹15L (old)

Why people use BharatCalc

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Results update as you type. No submit button. No waiting.

Built for India

Indian tax slabs, INR formatting, SEBI-compliant formulas — always updated.

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In-depth Guides

Financial Guides & Comparisons

Straight-talking articles to help you make smarter money decisions

Finance · Featured · 8 min read

SIP vs FD: Which Is Better for Indian Investors in 2026?

A straight-talking comparison of SIP and Fixed Deposits — returns, tax efficiency, risk, and liquidity. Includes real return numbers and a side-by-side verdict for every investor type.

12–15%
SIP historical
6.5–7.5%
FD rate
10%
SIP tax (LTCG)
Read full article
Strategy · 7 min

SIP vs Lumpsum: Which Investment Strategy Wins?

Three market scenarios, real numbers, when each strategy wins.

Read article
Tax · 10 min

New vs Old Tax Regime 2025-26: Which Should You Choose?

Slab tables, deduction list, break-even salary, ₹12L example.

Read article
Tax · Section 194A

TDS on FD Interest: New ₹50,000 / ₹1 Lakh Limit

New limits, 10% rate, Form 15G/15H, and how to claim a refund.

Read article
Tax · New 2025

Section 194T: TDS on Partner's Salary & Interest

Brand-new section from April 2025 — 10% on partner remuneration.

Read article
Tax · 194-I & 194-IB

TDS on Rent: The New ₹50,000/Month Rule

194-I vs 194-IB, 2% rate, and how a tenant files Form 26QC.

Read article
Finance · Wealth

How SIP Creates Real Wealth in India

Compounding, rupee-cost averaging, fund selection — the complete guide to building serious wealth through SIP.

Read article
Finance · Loans

How EMI Works & How to Pay Off Faster

The EMI formula decoded, why banks front-load interest, and prepayment strategies that cut years off your loan.

Read article
Finance · Retirement

PPF vs EPF: Which Is Better for You?

Interest rates, EEE tax status, withdrawal rules, and who should use which. Full comparison with real numbers.

Read article
Tax · Salary

HRA Exemption: Maximize Your Tax Savings

The three-condition formula, metro vs non-metro rules, and how to claim every rupee of HRA you're entitled to.

Read article
Finance · Retirement

Retirement Planning in India: How Much You Need

Calculate your corpus, the monthly SIP to reach it, the 4% rule, and a step-by-step plan with real numbers.

Read article
Finance · Money Basics

How Inflation Quietly Erodes Your Wealth

Why "safe" money is risky, the real cost over decades, and how to make sure your wealth grows in real terms.

Read article

Frequently Asked Questions

Everything you need to know about BharatCalc and our calculators

Which calculators are available on BharatCalc?
BharatCalc offers 50+ free calculators including SIP calculator, EMI calculator, income tax calculator (new vs old regime), GST calculator, PPF calculator, FD calculator, EPF calculator, HRA calculator, CAGR calculator, NPS calculator, BMI calculator, compound interest calculator, age calculator and many more — all built specifically for Indian users.
Is BharatCalc completely free?
Yes, 100%. Every calculator on BharatCalc is completely free to use. There is no login, no signup, no subscription, and no hidden charges — ever. BharatCalc is and will always remain free for every Indian.
How accurate are BharatCalc's results?
BharatCalc uses standard financial formulas — the EMI calculator uses the reducing-balance method, the SIP calculator uses the future-value formula, and the PPF calculator uses annual compounding consistent with government norms. Results are highly accurate estimates; for legal, regulatory, or binding financial decisions, always consult a SEBI-registered advisor.
Does BharatCalc work on mobile phones?
Yes. BharatCalc is built mobile-first. Every calculator is fully responsive and works seamlessly on smartphones, tablets, and desktops. The sliders, inputs, and charts are all touch-optimised.
How often are tax rates and financial rules updated?
BharatCalc updates all calculators after every Union Budget and whenever the government revises rates (e.g. PPF rate, EPF rate, tax slabs). The income tax calculator is always updated for the current financial year — you'll never get stale calculations here.
What is the difference between SIP and lumpsum investment?
A SIP (Systematic Investment Plan) invests a fixed amount every month — ideal for salaried individuals who want to build wealth gradually with rupee cost averaging. A lumpsum investment is a one-time large investment — better when you have a surplus amount and markets are at a low. Use BharatCalc's SIP and Lumpsum calculators to compare both scenarios side by side.
What is the best investment option in India?
There is no single "best" investment — it depends on your goal, risk appetite, and time horizon. As a general guide: for long-term wealth creation → equity mutual funds via SIP; for tax-saving with guaranteed returns → PPF or ELSS; for safe fixed income → FD or RD; for retirement → NPS or EPF. Use BharatCalc's calculators to model each option and make an informed decision.
How is EMI calculated in India?
EMI is calculated using the formula: EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1), where P is the principal loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of months. All Indian banks use this reducing-balance method. Use our EMI calculator for instant results with a full amortisation schedule.