SIP, EMI, retirement, and goal planning

Personal finance calculators for SIP, EMI, retirement, and more

Free personal finance calculators: SIP, EMI, lump sum, compound interest, home and car loans, buy vs rent, retirement, SWP, and net worth—with maturity values and inflation-adjusted estimates where relevant. Multiple currencies: INR, USD, GBP, CNY, JPY, EUR.

Start with SIP EMI & prepayment

Inflation adjusted results

See both the expected maturity value and what it's actually worth in today's money—so you can plan for real growth, not just bigger numbers.

Loan & EMI tools

Calculate your monthly EMI, compare tenure reduction vs EMI reduction with prepayments, and see how much interest you can save.

Buy vs rent analysis

Compare the net worth of buying a home versus renting and investing the difference—with property growth, rent increases, and opportunity cost.

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Buy vs Rent

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Frequently asked questions

What is InvestCal?

InvestCal is a collection of free, browser-based personal finance calculators for investing, loans, and major financial decisions — SIP, EMI, home loans, buy versus rent, retirement planning, and more — with clear charts and inflation-adjusted results where it matters. Pick a currency in the header for labels and number formatting.

Are these calculators free?

Yes. There is no sign-up required. Numbers are computed in your browser for planning and education purposes. Always verify terms with your bank or financial advisor before acting.

Is this financial advice?

No. All results are educational estimates based on your inputs. Taxes, fees, changing interest rates, and personal liquidity needs are not fully captured — use the results as a starting point, not a recommendation.

What is the difference between maturity value and inflation adjusted value?

Maturity value (or expected amount) is the projected future balance of your investment. Inflation adjusted value shows what that amount is actually worth in today’s money after accounting for rising prices — useful for long-term goals like retirement or multi-year SIPs.

Which calculator should I use for a home purchase?

Start with the home loan EMI calculator for repayment and prepayment scenarios, then use buy versus rent if you are deciding between purchasing and renting while investing the difference.