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STOCKCALC.IN — Free Financial Calculators for Indian Investors
India’s most comprehensive free financial calculator platform — 86+ tools covering SIP, EMI, Income Tax, F&O Options, Retirement, Government Schemes, and Institutional Analysis. No login. No ads. All calculations run in your browser.
🚀 Live Site
Reviewed and verified by Mahavir Hirani, Founder & Financial Expert — all calculators are validated against the April 2026 Fiscal Cycle (FY 2026-27).
📊 Calculator Directory
💰 Investment & Mutual Fund Calculators
| Calculator | URL | Description |
|---|---|---|
| SIP Calculator | /calculator/sip | Systematic Investment Plan returns with monthly compounding |
| Lumpsum Calculator | /calculator/lumpsum | One-time investment growth over time |
| Step-Up SIP Calculator | /calculator/step-up-sip | SIP with annual increment (step-up) |
| SWP Calculator | /calculator/swp | Systematic Withdrawal Plan from corpus |
| CAGR Calculator | /calculator/cagr | Compound Annual Growth Rate of any investment |
| XIRR Calculator | /calculator/xirr | Extended IRR for irregular cash flows |
| Rule of 72 | /calculator/rule-of-72 | How long to double your investment |
| FD Calculator | /calculator/fd | Fixed Deposit maturity with compounding |
| RD Calculator | /calculator/rd | Recurring Deposit maturity amount |
| Goal Planner | /calculator/goal-planner | Reverse SIP — how much to invest to reach a goal |
🏛️ Government Scheme Calculators
| Calculator | URL | Description |
|---|---|---|
| PPF Calculator | /calculator/ppf | Public Provident Fund — 15-year maturity with year-by-year table |
| EPF Calculator | /calculator/epf | Employee Provident Fund with existing balance support |
| SSY Calculator | /calculator/ssy | Sukanya Samriddhi Yojana for girl child |
| NSC Calculator | /calculator/nsc | National Savings Certificate returns |
| SCSS Calculator | /calculator/scss | Senior Citizen Savings Scheme |
| POMIS Calculator | /calculator/pomis | Post Office Monthly Income Scheme |
| NPS Calculator | /calculator/nps | National Pension System corpus & annuity |
📈 Stock Market & Trading Tools
| Calculator | URL | Description |
|---|---|---|
| Brokerage Calculator | /calculator/brokerage | All-in trading charges: STT, GST, SEBI fee |
| Zerodha Brokerage | /calculator/brokerage/zerodha | Zerodha-specific brokerage breakdown |
| Groww Brokerage | /calculator/brokerage/groww | Groww-specific brokerage breakdown |
| Dhan Brokerage | /calculator/brokerage/dhan | Dhan-specific brokerage breakdown |
| Fyers Brokerage | /calculator/brokerage/fyers | Fyers-specific brokerage breakdown |
| Stock Average Calculator | /calculator/stock-average | Average down/up cost calculator for traders |
| Profit / Loss Calculator | /calculator/profit-loss | Net P&L including all transaction charges |
| Stop Loss / Target | /calculator/stop-loss-takeprofit | Risk-reward ratio and position sizing |
| Position Size Calculator | /calculator/position-size | How many shares/lots to buy per risk% |
🎯 Options & F&O Calculators
| Calculator | URL | Description |
|---|---|---|
| Options Max Pain | /calculator/options-max-pain | Nifty & Bank Nifty institutional max pain strike |
| Options Intelligence Pulsar | /tools/options-intelligence | Real-time PCR sentiment + institutional Greeks matrix |
| Black-Scholes Calculator | /calculator/black-scholes | Option pricing with Greeks (Delta, Gamma, Theta, Vega) |
| Implied Volatility Calculator | /calculator/implied-volatility | IV from option market price |
| Iron Condor Calculator | /calculator/iron-condor | Multi-leg options strategy P&L |
| Straddle / Strangle | /calculator/straddle-strangle | Breakeven and max profit for volatility plays |
| Credit Spread Calculator | /calculator/credit-spread | Bull put / bear call spread returns |
| Options Profit Calculator | /calculator/options-profit | Single leg call/put P&L at expiry |
💼 Tax Calculators — FY 2026-27
| Calculator | URL | Description |
|---|---|---|
| Income Tax Calculator | /calculator/income-tax | Old vs New Regime comparison — FY 2026-27 |
| Salary / In-Hand Calculator | /calculator/salary | CTC to monthly take-home with EPF & PT deductions |
| LTCG Calculator | /calculator/ltcg | Long-term capital gains at 12.5% (post-Budget 2024) |
| STCG Calculator | /calculator/stcg | Short-term capital gains at 20% flat rate — FY 2026-27 |
| Tax Loss Harvesting | /calculator/tax-loss-harvesting | Offset gains against losses to reduce tax liability |
| Cryptocurrency Tax | /calculator/crypto-tax | 30% flat + 4% cess + 1% TDS on crypto gains |
| US Stock Tax (NRI/LRS) | /calculator/us-stock-tax | LRS TCS 20%, US Withholding Tax, Indian LTCG 12.5% |
| GST Calculator | /calculator/gst | GST inclusive/exclusive calculation |
| Gratuity Calculator | /calculator/gratuity | Gratuity amount as per Payment of Gratuity Act |
| HRA Calculator | /calculator/hra | HRA exemption under Section 10(13A) |
🏠 Loan & EMI Calculators
| Calculator | URL | Description |
|---|---|---|
| Home Loan EMI Calculator | /home-loan-emi | EMI with amortization schedule and prepayment impact |
| EMI Calculator | /calculator/emi | Universal EMI for home, car, personal loans |
| Loan Prepayment Calculator | /calculator/loan-prepayment | Interest saved via part-prepayment |
| Credit Card Payoff | /calculator/credit-card-payoff | Time and cost to clear credit card debt |
| Student Loan Calculator | /calculator/student-loan | Education loan EMI with moratorium period |
| Mortgage Overpayment | /calculator/mortgage-overpayment | Extra payment impact on loan tenure |
🔥 Retirement & FIRE Planning
| Calculator | URL | Description |
|---|---|---|
| FIRE Monte Carlo Simulator | /calculator/fire-monte-carlo | 1,000-simulation retirement stress test against market crashes |
| Retirement Calculator | /calculator/retirement | Corpus required to retire at target age |
| NPS Calculator | /calculator/nps | NPS maturity + annuity at retirement |
| Inflation Calculator | /calculator/inflation | Real value of money over time |
🧮 Utility & Percentage Calculators
| Calculator | URL | Description |
|---|---|---|
| Percentage Calculator | /calculator/percentage | X% of Y, percentage change, increase/decrease |
| Discount Calculator | /calculator/discount | Final price after percentage discount |
| Simple Interest | /calculator/simple-interest | Basic interest on principal |
| Compound Interest | /calculator/compound-interest | Interest compounded over time |
🏦 Institutional Suite — Professional Analysis
Advanced institutional-grade tools for serious investors and traders. Part of the Institutional Alpha Hub.
| Tool | URL | Description |
|---|---|---|
| Stock Score AI | /calculator/stock-score | Multi-factor fundamental scoring matrix |
| DCF Alpha Engine | /calculator/dcf | Professional DCF with real-time price sync and sensitivity analysis |
| Sector Rotation Monitor | /tools/sector-rotation | Relative strength vs Nifty 50, institutional rotation signals |
| Stock Comparison | /calculator/stock-comparison | Side-by-side institutional fundamental & technical metrics |
| Options Intelligence Pulsar | /tools/options-intelligence | Max Pain magnets + PCR sentiment + Greeks matrix |
| Grand Brain Decision Center | /institutional-suite | Aggregated signals: valuation + derivatives + sector rotation |
🔗 Programmatic Calculator Pages
StockCalc.in features 174 specialized strategy pages for high-precision queries — each with a specific rupee result, E-E-A-T attribution, and detailed analysis:
SIP Programmatic Examples
- ₹500/month SIP for 10 years
- ₹1,000/month SIP for 20 years
- ₹5,000/month SIP for 15 years
- ₹10,000/month SIP for 25 years
EMI Programmatic Examples
Salary Programmatic Examples
Percentage Programmatic Examples
→ View Complete Strategy Directory (174 pages)
✨ Platform Features
- ✅ 100% Free — No login, no ads, no paywalls, ever
- ✅ Privacy First — All calculations run in-browser; no data leaves your device
- ✅ 86+ Calculators — Deepest coverage in the Indian fintech calculator space
- ✅ FY 2026-27 Updated — Current tax slabs, SEBI regulations, RBI guidelines
- ✅ E-E-A-T Verified — All calculators reviewed by Mahavir Hirani, Financial Expert
- ✅ Real-Time NSE/BSE Data — Live prices synced into Options and Stock tools
- ✅ Mobile Optimized — Full functionality on any device
- ✅ Programmatic Architecture — 174 specialized strategy pages indexed by Google
- ✅ Institutional Suite — Professional-grade DCF, Stock Score AI, Sector Rotation
🛠️ Built With
| Layer | Technology |
|---|---|
| Framework | Next.js (App Router) |
| Language | TypeScript |
| Styling | Tailwind CSS |
| UI Components | Shadcn/ui |
| Charts | Recharts |
| Deployment | Hostinger (with CDN) |
🌟 Why STOCKCALC.IN?
| Feature | STOCKCALC.IN | Groww | ET Money | ClearTax |
|---|---|---|---|---|
| Price | Free Forever | Freemium | Freemium | Freemium |
| Signup Required | ❌ Never | ✅ Yes | ✅ Yes | ✅ Yes |
| Calculator Count | 86+ | ~15 | ~20 | ~25 |
| F&O / Options Tools | ✅ Deep (8 tools) | ❌ None | ❌ None | ❌ None |
| Institutional Suite | ✅ DCF + AI Score | ❌ No | ❌ No | ❌ No |
| FIRE Monte Carlo | ✅ 1,000 simulations | ❌ No | ❌ No | ❌ No |
| Programmatic Pages | ✅ 174 strategy URLs | ❌ No | ❌ Partial | ❌ No |
| Live NSE/BSE Data | ✅ Yes | ✅ Yes | ❌ No | ❌ No |
| Privacy (no storage) | ✅ Core brand | ❌ No claim | ❌ No claim | ❌ No claim |
| E-E-A-T Attribution | ✅ Founder verified | ❌ No | ❌ No | ❌ No |
| Govt Schemes (all 5) | ✅ PPF/SSY/NSC/SCSS/POMIS | ❌ Partial | ❌ Partial | ❌ Partial |
🎯 Who Uses StockCalc.in
- 📈 Retail investors planning monthly SIPs across mutual fund schemes
- 💼 Salaried professionals calculating in-hand salary and tax regime comparison
- 🏠 Home buyers modeling EMI, prepayment impact, and loan tenure
- 📊 F&O traders analyzing options Greeks, Max Pain, and iron condor strategies
- 🔥 FIRE seekers stress-testing retirement portfolios against market crashes
- 🏦 Institutional analysts using DCF engine and stock scoring matrix
- 🎓 Students and beginners learning about investing with zero friction
📝 Blog & Resources
- StockCalc Blog — Market insights, tax guides, strategy breakdowns
- Market Movers — Live NSE large/mid/small cap movers
- IPO Calendar — Upcoming IPOs with GMP tracker
- Institutional Suite — Full professional analysis hub
👤 About the Author
Mahavir Hirani — Founder, StockCalc.in
Active NSE F&O trader specializing in directional Nifty 50 and Bank Nifty options strategies. All calculators on StockCalc.in are personally verified for formula accuracy against current SEBI, RBI, and Income Tax Department guidelines.
📧 Contact
- Website: stockcalc.in
- Email: support@stockcalc.in
- Twitter/X: @stockcalc_in
- Threads: @stockcalc_in
- Author: Mahavir Hirani
📄 License
MIT License — free to use for personal or commercial projects.
| *Last updated: April 2026 | Verified against FY 2026-27 tax slabs and SEBI regulations* |
Made with ❤️ for Indian Investors by StockCalc.in