Borrowing, saving and tax in South Asia follow local rules. These calculators handle EMIs in rupees, SIP and lump-sum investing, provident fund and pension schemes, income tax in India and Pakistan, and zakat.
India & Pakistan Finance calculators (22)
- EMI Calculator – Equated Monthly Installment
- Home Loan EMI Calculator
- Car Loan EMI Calculator
- Bike EMI Calculator
- Personal Loan EMI Calculator
- Moratorium Calculator
- SIP Calculator — Systematic Investment Plan
- Lumpsum Calculator
- SWP Calculator — Systematic Withdrawal Plan
- PPF Calculator
- EPF Calculator
- NPS Calculator for India
- ELSS Calculator – Equity-Linked Savings Scheme
- RD Calculator - Recurring Deposit
- Sukanya Samriddhi Yojana Calculator
- Post Office Monthly Income Scheme Calculator
- HRA Exemption Calculator
- TDS Interest Calculator
- Atal Pension Yojana Calculator
- Income Tax Calculator India
- Income Tax Calculator Pakistan
- Zakat Calculator
About India & Pakistan Finance calculators
Loan tools (EMI, home loan, car loan, bike loan and personal loan) use the standard EMI formula with a monthly rate and show total interest. Investment tools cover SIP with an annual step-up, lump sum, SWP, ELSS, RD, PPF, EPF, NPS, Sukanya Samriddhi, Post Office MIS and Atal Pension Yojana.
Tax tools compare the India new and old regimes for FY 2026-27, calculate HRA exemption and TDS interest, and compute Pakistan salaried tax on the FY 2025-26 or FY 2026-27 slabs. The zakat calculator applies 2.5% to wealth above the nisab.
Using India and Pakistan finance tools
For borrowing, the EMI calculator gives the monthly payment and total interest for any loan, and the Home Loan EMI Calculator adds the down payment. For investing, compare SIP with lump sum and check retirement income with the NPS calculator.
Tax tools differ by country. Use the India calculator to compare the new and old regimes, the Pakistan calculator for salaried slabs, and the zakat calculator to work out the 2.5% due above the nisab.
- Savings schemes. PPF, EPF, Sukanya Samriddhi, RD and the Post Office MIS use editable interest rates.
- Pension. Atal Pension Yojana and NPS show contributions and expected income.
What you can calculate
- EMI Calculator – Equated Monthly Installment: Compute the monthly EMI for any loan in rupees.
- Home Loan EMI Calculator: Estimate a home loan EMI, total interest and interest share in rupees.
- Car Loan EMI Calculator: Estimate the EMI on an Indian car loan including processing fee.
- Bike EMI Calculator: Compute EMI for a two-wheeler loan.
- Personal Loan EMI Calculator: Estimate EMI and total cost for an unsecured personal loan.
- Moratorium Calculator: Estimate extra interest when a loan payment holiday adds interest to the balance.
- SIP Calculator — Systematic Investment Plan: Project the future value of a monthly SIP in a mutual fund.
- Lumpsum Calculator: Grow a one-time investment in rupees at a chosen return.
- SWP Calculator — Systematic Withdrawal Plan: See how long a corpus lasts with a monthly withdrawal.
- PPF Calculator: Compute the maturity value of a Public Provident Fund account.
- EPF Calculator: Project your Employees’ Provident Fund corpus at retirement.
- NPS Calculator for India: Estimate the National Pension System corpus, lump sum and monthly pension.
- ELSS Calculator – Equity-Linked Savings Scheme: Project the value of an ELSS investment with the 3-year lock-in.
- RD Calculator - Recurring Deposit: Compute the maturity value of a recurring deposit.
- Sukanya Samriddhi Yojana Calculator: Estimate the SSY maturity amount for a girl child account.
- Post Office Monthly Income Scheme Calculator: Compute monthly income from the Post Office MIS.
- HRA Exemption Calculator: Find the HRA exemption under the old tax regime in India.
- TDS Interest Calculator: Calculate interest on late deduction or deposit of TDS.
- Atal Pension Yojana Calculator: Estimate the monthly APY contribution for a ₹5,000 pension and scale for other pensions.
- Income Tax Calculator India: Compare Indian income tax under the new and old regimes for FY 2026-27.
- Income Tax Calculator Pakistan: Calculate Pakistan salaried income tax for FY 2026-27 (tax year 2027) under the Finance Act 2026, or compare with FY 2025-26.
- Zakat Calculator: Work out zakat due at 2.5% on zakatable wealth above the nisab.
Frequently asked questions
Which tax year do the India and Pakistan tools use?
India uses the FY 2026-27 slabs. Pakistan uses the FY 2026-27 slabs enacted by the Finance Act 2026, with FY 2025-26 available for comparison. Confirm the final rules with FBR or the Income Tax Department.
Why are results in rupees?
Indian tools show Indian rupees and Pakistani tools show Pakistani rupees, so the numbers match your statements.
Which Pakistan tax slabs are used?
The FY 2026-27 slabs enacted by the Finance Act 2026 (no surcharge on salary income), with the FY 2025-26 slabs and their 9% surcharge selectable for comparison.
Are PPF, EPF and SSY rates fixed?
No. The government revises small-saving rates quarterly and EPF yearly, so the rate is an input you can edit.