SumAssured.in Guide

Financial Calculators

SUMASSURED.IN • PERSONAL FINANCE GUIDE

Financial Calculators

Smart, simple and free financial calculators to help you plan loans, investments, savings, retirement, taxes and financial goals.

Plan Your Money With Better Numbers

Use these calculators to estimate EMIs, loan interest, debt payoff, investment growth, retirement corpus, pension, emergency savings and income tax.

🏠 Loan & Debt Calculators

Understand your monthly EMI, total interest and debt-free journey.

🏠

EMI / Mortgage Calculator

Calculate your monthly payment for a home, car or personal loan.

Monthly EMI
₹43,391
₹1,04,13,840 Total Amount Paid
₹54,13,840 Total Interest
240 Total Months
💰

Loan Interest Calculator

Find the total interest payable over the life of your loan.

₹21,247 Monthly EMI
₹2,74,820 Total Interest
₹12,74,820 Total Payment
💳

Debt Payoff Calculator

Estimate how quickly you can clear credit-card or other debt.

27 Estimated Months
2.3 years Estimated Time
₹65,000 Approx. Interest

📈 Investment & Savings

See how compounding, SIPs and inflation can affect your financial goals.

📈

Compound Interest Calculator

Estimate how your money can grow through compounding.

Estimated Future Value
₹27,00,000
₹10,00,000 Total Invested
₹17,00,000 Estimated Gain
📊

SIP / Mutual Fund Calculator

Estimate returns from monthly SIP and lump-sum investment.

Estimated Future Value
₹50.45 Lakh
₹18 Lakh Total Investment
₹32.45 Lakh Estimated Returns
Mutual fund returns are market-linked. The return entered above is only an assumption and is not guaranteed.
🛒

Inflation Calculator

Understand how rising prices affect your future purchasing power.

Future amount required to buy what ₹1,000,000 buys today
₹32.07 Lakh
₹3.11 Lakh Today’s Value of ₹10 Lakh Future Amount
3.21× Price Increase Factor

🏖️ Retirement & Financial Goals

Estimate your retirement corpus, pension and emergency savings.

🏖️

Retirement Calculator

Estimate the retirement corpus required to support your lifestyle.

Estimated Retirement Corpus
₹3.5 Crore
₹2.14 Lakh Monthly Expense at Retirement
25 years Retirement Period
This is a planning estimate. Actual retirement requirements depend on inflation, investment returns, healthcare expenses, lifestyle and longevity.
👴

NPS / Pension Calculator

Estimate NPS corpus, illustrative annuity and monthly pension.

Estimated NPS Corpus
₹2.1 Crore
₹84 Lakh Illustrative Annuity Purchase
₹1.26 Crore Illustrative Lump Sum
₹42,000 Illustrative Monthly Pension
NPS returns and annuity income are not guaranteed. The pension shown is only an illustration based on the assumptions entered by the user. Actual outcomes depend on investment performance, annuity rates, applicable rules and the selected annuity provider.
🛟

Emergency Fund Calculator

Find out how much liquid money you may want to keep aside.

Recommended Emergency Fund
₹3 Lakh
₹2 Lakh Additional Amount Needed
2 months Current Expense Coverage

🧾 Taxes & Income

Compare estimated income tax under the old and new tax regimes.

🧾

Income Tax Calculator

Estimate tax liability for AY 2026–27.

Example: eligible deductions such as Section 80C, subject to applicable limits.
₹1,17,000 Estimated New-Regime Tax
₹1,01,400 Estimated Old-Regime Tax
₹15,600 Estimated Difference
New-regime calculation uses AY 2026–27 slab rates. For salaried users, the calculator assumes the applicable standard deduction and applies the 4% Health & Education Cess. Special-rate income, surcharge, marginal relief and several other tax provisions are not included.

Frequently Asked Questions

Are these financial calculators free?

Yes. All calculators on this page are free to use and do not require registration.

Are the investment returns guaranteed?

No. SIP, mutual fund, compound-interest and NPS calculations use assumptions. Actual market-linked investment returns can be higher or lower.

How much emergency fund should I keep?

Many people use 3–6 months of essential expenses as a starting planning range. The appropriate amount depends on income stability, dependants, debt and other financial commitments.

Can I use the EMI calculator for a home loan?

Yes. Enter the loan amount, annual interest rate and tenure to estimate your monthly EMI and total interest.

What is the difference between SIP and compound interest?

A SIP calculator estimates the potential future value of regular investments at an assumed return. A compound-interest calculator can model an initial investment along with recurring contributions and compounding.

Does the Income Tax Calculator give my exact tax liability?

No. It is an estimation tool. Actual tax can depend on your income sources, deductions, exemptions, capital gains, special-rate income, surcharge, rebate eligibility, TDS and other factors.

Is the NPS pension shown guaranteed?

No. The pension displayed is illustrative. Actual pension depends on the accumulated corpus, annuity option, prevailing annuity rates and other applicable factors.

Financial Disclaimer: The calculators on SumAssured.in are provided for educational and financial-planning purposes only. Results are estimates based on the assumptions and information entered by the user and should not be treated as investment, tax, pension, insurance, lending or financial advice. Market-linked investment returns are not guaranteed. Always verify important financial decisions, tax calculations and product-specific terms with the relevant institution, official government source or qualified professional.