Personal Finance Calculators 2026
Use free Personal Finance Calculators from WealthReturns to estimate loan EMIs, investment returns, retirement withdrawals, gratuity, provident fund growth, tax liability and other important financial figures.
These calculators are designed to make everyday financial planning easier by converting complex formulas into simple online calculations. Enter your figures, review the estimated result and use the information for your personal financial planning.
Personal Finance Calculators
Loan EMI Calculator
Calculate monthly EMI, total interest, principal repayment and total payable amount for personal, home and other loans.
Calculate Loan EMISWP Calculator
Estimate systematic withdrawals from an investment corpus and see the projected total withdrawals and remaining balance over time.
Calculate SWPXIRR / CAGR Calculator
Calculate annualized investment returns using XIRR for multiple cash flows or CAGR for a simple beginning-to-ending investment.
Calculate XIRR / CAGRGovernment Employee Gratuity Calculator
Estimate gratuity based on last drawn basic pay, DA and qualifying service period.
Calculate GratuityGPF Calculator
Estimate GPF subscriptions, interest earned and projected maturity balance based on your opening balance and monthly contribution.
Calculate GPFNew vs Old Tax Regime Calculator
Compare estimated tax liability under the New and Old Income Tax Regimes using your income and applicable deductions.
Compare Tax RegimesExplore Personal Finance Calculators by Category
| Financial Need | Calculator | What You Can Estimate |
|---|---|---|
| Loans & Borrowing | Loan EMI Calculator | Monthly EMI, total interest and total repayment |
| Investment Withdrawals | SWP Calculator | Monthly withdrawals, total withdrawal and final corpus |
| Investment Returns | XIRR / CAGR Calculator | Annualized investment return |
| Retirement / Employee Benefits | Gratuity Calculator | Estimated gratuity amount based on salary and service |
| Provident Fund | GPF Calculator | Projected GPF balance and interest |
| Income Tax | New vs Old Tax Regime Calculator | Estimated tax under both regimes |
Loan & Debt Calculators
Loan EMI Calculator
The Loan EMI Calculator helps you estimate the monthly instalment for a loan by using the loan amount, interest rate and repayment tenure. It also shows the principal amount, total interest and total amount payable.
This can be useful when comparing different loan amounts or repayment periods before taking a home loan, personal loan or other borrowing.
Open Loan EMI CalculatorInvestment & Return Calculators
XIRR Calculator
XIRR is useful when an investment has multiple cash flows occurring on different dates. It calculates an annualized return based on the timing of those cash flows.
Open XIRR / CAGR CalculatorSWP Calculator
The SWP Calculator estimates how a regular withdrawal from an investment corpus may affect the remaining balance over the selected period.
Open SWP CalculatorEmployee Benefits & Savings Calculators
Gratuity Calculator
Estimate gratuity using the applicable salary and service inputs. This can help employees understand the approximate lump-sum benefit associated with their qualifying service.
Open Gratuity CalculatorGPF Calculator
Government employees covered by GPF can use this calculator to estimate contributions, interest and the projected GPF maturity balance.
Open GPF CalculatorIncome Tax Calculator
New vs Old Tax Regime Calculator
Choosing between the New Tax Regime and Old Tax Regime can depend on income, deductions and exemptions. The calculator allows you to compare the estimated tax liability under both regimes using the relevant inputs.
It can be useful for salaried employees, professionals and other taxpayers who want to understand the difference between the two tax structures.
Compare New vs Old Tax RegimeWhy Use WealthReturns Personal Finance Calculators?
- Free online financial calculators
- Simple and easy-to-use interfaces
- Useful for personal financial planning
- Helps understand interest, returns, deductions and financial obligations
- Provides quick estimates without manual calculations
- Designed for Indian financial and salary-related calculations
- Responsive on mobile, tablet and desktop devices
Explore More WealthReturns Calculator Categories
Government Salary Calculators
Calculate salary, allowances, deductions and estimated in-hand pay for Central Government employees and different government posts.
Government Salary CalculatorsInvestment Calculators
Explore calculators related to investments, returns and wealth creation.
Investment CalculatorsTax Calculators
Explore income tax and other tax-related calculators available on WealthReturns.
Tax CalculatorsLoan Calculators
Explore loan and borrowing-related calculators for EMI and financial planning.
Loan CalculatorsFrequently Asked Questions
Personal finance calculators are online tools that help estimate financial figures such as loan EMI, investment returns, withdrawals, gratuity, provident fund balances and tax liability.
You can use the WealthReturns Loan EMI Calculator to estimate your monthly EMI, total interest and total repayment based on the loan amount, interest rate and tenure.
The WealthReturns XIRR / CAGR Calculator can calculate XIRR for investments involving multiple cash flows on different dates. It also includes a CAGR calculator for simple investment growth calculations.
Yes. The WealthReturns Government Employee Gratuity Calculator can be used to estimate gratuity using the applicable salary and service-related inputs.
Yes. The New vs Old Tax Regime Calculator allows you to compare estimated tax liability under the two tax regimes using the relevant income, deduction and exemption inputs.
More Salary & Financial Calculators
WealthReturns also provides dedicated calculator hubs for government salaries, banking salaries, Railway salaries, SSC CGL salaries and other financial calculations.
All Salary Calculators | Government Salary Calculators | Investment Calculators | Tax Calculators | Loan Calculators
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