MeowCalculator is an independent, India-focused calculator website built by a small team who got tired of hunting through slow, ad-choked, sign-up-gated tools every time we needed a quick loan, tax or investment number. We're not a bank, a financial advisory firm or a registered investment adviser — we're builders who wanted a fast, clean, trustworthy toolbox and decided to make it publicly available for free.

Why this website exists

Most people in India will, at some point, need to work out an EMI before signing a loan agreement, check how much GST applies to an invoice, project what a SIP might grow into, or figure out their in-hand salary after deductions. These are simple maths problems, but the tools available online are often cluttered with intrusive pop-ups, forced logins, or results hidden behind a "submit your phone number" wall. MeowCalculator exists to remove all of that friction: open a calculator, type your numbers, get your answer — nothing else required.

Our mission

Our mission is to make everyday financial maths accessible, transparent and free for every Indian — whether you're a student comparing education loan options, a salaried employee planning a SIP, a shopkeeper working out GST on an invoice, or a retiree estimating a pension corpus. We believe understanding the numbers behind a financial decision shouldn't require paying for software or handing over your personal data.

What our calculators provide

Every calculator on MeowCalculator is built around a few simple principles:

Instant, in-browser results — every calculation runs directly on your device using standard, published financial formulas. Nothing you type is uploaded, stored or shared with us.
Clear explanations — each calculator includes the formula used, a worked real-world example, step-by-step usage instructions and answers to common questions, so you understand how the number was reached, not just what it is.
No sign-up, no paywall — every tool on this site is, and will remain, completely free to use with no account required.
Educational, not advisory — our calculators are designed to help you understand and estimate figures. They are not a substitute for advice from a qualified financial advisor, chartered accountant or your bank, especially for decisions involving large sums of money.

We currently offer 20+ calculators spanning loans (EMI, home loan, car loan, personal loan, gold loan, education loan), investments and savings (SIP, FD, RD, PPF, NPS, lumpsum, mutual fund returns, retirement planning), tax and salary (GST, income tax, HRA, salary, gratuity) and everyday utilities (inflation, currency conversion, age and percentage calculators). We're actively working on adding more, based on what visitors tell us they need — see our Contact page if you'd like to suggest one.

Read our Disclaimer, Privacy Policy and Terms & Conditions for more on how the site works and how we handle your data.

Contact us

Spotted a bug, found an incorrect result, or want a calculator we don't have yet? We'd love to hear from you — pick whichever option is easiest.

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Send us a message

Fill out our quick contact form and we'll get back to you as soon as we can.

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Email us

meowcalculator@gmail.com

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Call / WhatsApp us

+91 74837 46887

We typically reply within 2–3 business days. For calculator bugs, please mention which calculator, the numbers you entered, and what result you expected.

Disclaimer

Last updated: July 2026

The information and calculators provided on MeowCalculator ("we", "us", "our", "the Site") are for general informational and educational purposes only.

Educational purpose only

All content on this Site — including calculators, formulas, examples, articles and FAQs — is intended to help you understand and estimate financial figures. It is not, and should not be treated as, financial, legal, tax or investment advice of any kind.

Results are estimates

Every result produced by our calculators (EMI, SIP, GST, income tax, HRA, gratuity, retirement projections and all others) is an estimate based on the figures you enter and standard published formulas. Actual figures from your bank, employer, mutual fund, insurer or the Income Tax Department may differ due to rounding methods, compounding conventions, processing fees, scheme-specific rules, regulatory changes, or errors in the data you enter. Investment return figures (SIP, lumpsum, NPS, mutual funds) are projections based on assumed rates of return you provide — actual market-linked returns are never guaranteed and can be higher or lower, including negative.

Consult a professional

Before making any financial decision — taking a loan, investing money, filing your taxes, or claiming an exemption — please verify the numbers with your bank, a SEBI-registered investment adviser, a chartered accountant, or another qualified professional. We strongly recommend against relying solely on this Site for decisions involving significant sums of money.

No liability

MeowCalculator, its owners and contributors accept no liability for any loss or damage arising from reliance on information or calculations provided on this Site. Use of the Site and its calculators is entirely at your own risk.

See also our Terms & Conditions and Privacy Policy.

Privacy Policy

Last updated: July 2026

This Privacy Policy explains how MeowCalculator ("we", "us", "our") collects, uses and protects information when you visit meowcalculator.com (the "Site"). By using the Site, you agree to the practices described below.

1. Information we collect

Calculator inputs. Numbers you type into our calculators (loan amounts, interest rates, salary figures, etc.) are processed entirely within your own browser using JavaScript. They are not transmitted to, or stored on, our servers.

Contact form. If you use our contact form (hosted by Typeform) or email us directly, we receive the name, email address and message you choose to provide, solely to respond to your query.

Automatically collected data. Like most websites, we and our third-party service providers automatically collect certain technical information when you visit, such as your IP address (partially anonymised where possible), browser type and version, device type, pages visited, time spent on the Site, and referring/exit pages.

2. Cookies

We use cookies and similar tracking technologies (such as local storage) to operate and improve the Site. Cookies are small text files stored on your device. We use them for:

Essential functionality — such as remembering your dark/light theme preference.
Analytics — to understand how visitors use the Site (see below).
Advertising — to serve and measure ads (see below).

You can control or delete cookies through your browser settings. Disabling cookies may affect some Site functionality, though our calculators will continue to work.

3. Analytics

We may use third-party analytics services (such as Google Analytics) to understand aggregate visitor behaviour — which pages and calculators are popular, how visitors navigate the Site, and how we can improve it. These services may use cookies and similar technologies to collect and analyse information about your use of the Site. This data is generally aggregated and not used to personally identify you.

4. Advertising and third-party ads (Google AdSense)

This Site may display advertisements served by Google AdSense and other third-party advertising networks. These partners may use cookies, web beacons and similar technologies to collect information about your visits to this and other websites, in order to provide advertisements about goods and services that may interest you.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this Site and/or other sites on the Internet.
You may opt out of personalised advertising by visiting Google Ads Settings.
You may also opt out of some third-party vendor use of cookies for personalised advertising by visiting www.aboutads.info.
Third-party vendors, including Google, may show our ads on sites across the Internet and use cookies to serve ads based on prior visits to this Site.

We do not control the cookies placed by third-party advertisers or ad networks. Please review the relevant third party's own privacy policy for more information about their practices.

5. How we use information

We use the information described above to operate, maintain and improve the Site, respond to your enquiries, understand aggregate usage patterns, detect and prevent fraud or abuse, and display relevant advertising.

6. Data sharing

We do not sell your personal information. We may share limited information with trusted third-party service providers (such as our analytics, hosting, contact-form and advertising partners) strictly to operate the Site, and only to the extent necessary for them to perform their services.

7. Data retention

Contact form submissions and emails are retained only as long as needed to respond to and resolve your query, after which they may be deleted. Calculator inputs are never retained, since they never leave your browser.

8. Children's privacy

This Site is not directed at children under 13, and we do not knowingly collect personal information from children.

9. Your rights

Depending on your location, you may have rights to access, correct or delete personal information we hold about you. To exercise these rights, contact us using the details below.

10. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.

11. Contact us

If you have questions about this Privacy Policy, please email us at meowcalculator@gmail.com or call +91 74837 46887.

Terms & Conditions

Last updated: July 2026

These Terms & Conditions ("Terms") govern your use of meowcalculator.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

MeowCalculator provides free online calculators and related informational content relating to loans, investments, tax and everyday financial maths, for personal, non-commercial use. You may use the Site only for lawful purposes and in accordance with these Terms.

2. Calculator results are estimates only

All figures produced by our calculators — including but not limited to EMI, GST, SIP, FD, PPF, RD, lumpsum, income tax, HRA, salary, gratuity, NPS, inflation, retirement, mutual fund return, currency, age and percentage calculators — are estimates only, generated from standard published formulas and the values you enter. They do not constitute an offer, quotation, guarantee or binding calculation from any bank, financial institution, employer or government authority. Actual figures may vary. Please see our Disclaimer for more detail.

3. No professional advice

Nothing on this Site constitutes financial, investment, tax or legal advice. You should consult a qualified professional (such as a chartered accountant, SEBI-registered investment adviser or your bank) before making financial decisions.

4. Intellectual property

The Site's design, text, calculators, logos and underlying code are owned by MeowCalculator or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, republish or create derivative works from the Site without our prior written permission, other than for personal, non-commercial use.

5. Third-party links and advertising

The Site may contain links to third-party websites and may display third-party advertisements (including via Google AdSense). We are not responsible for the content, accuracy or practices of any third-party site, and inclusion of a link or advertisement does not imply endorsement.

6. Availability and changes

We aim to keep the Site available and accurate but do not guarantee uninterrupted, error-free access. We may modify, suspend or discontinue any part of the Site, including individual calculators, at any time without notice.

7. Limitation of liability

To the fullest extent permitted by law, MeowCalculator and its owners shall not be liable for any direct, indirect, incidental or consequential loss or damage arising from your use of, or inability to use, the Site or reliance on any calculator result or content.

8. Governing law

These Terms are governed by the laws of India, without regard to conflict-of-law principles.

9. Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Contact us

Questions about these Terms? Email meowcalculator@gmail.com or call +91 74837 46887.

Sitemap

A full list of every page on MeowCalculator.

Loan calculators

EMI Calculator
Car Loan Calculator
Home Loan Calculator
Gold Loan Calculator
Education Loan Calculator
Personal Loan Calculator

Investment & savings calculators

SIP Calculator
FD Calculator
PPF Calculator
RD Calculator
Lumpsum Calculator
NPS Calculator
Retirement Calculator
Mutual Fund Returns Calculator

Tax & salary calculators

GST Calculator
Salary Calculator
HRA Calculator
Income Tax Calculator
Gratuity Calculator

Everyday utility calculators

Inflation Calculator
Currency Converter
Age Calculator
Percentage Calculator

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Savings

PPF Calculator

Enter your yearly PPF contribution, current interest rate and tenure to see the maturity value.

Yearly investment (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Investment period (years)

Please enter a valid value.

Result

Fill in your PPF details and calculate to see the maturity value here.

How to use the PPF Calculator

01

Enter the amount you plan to invest in your PPF account each year.

02

Use the current PPF interest rate, notified quarterly by the government.

03

Set your investment period (minimum 15 years) and calculate.

Formula

Year-end balance = (Previous balance + Yearly investment) × (1 + rate/100), compounded annually for the full tenure

Real-world example

Frequently asked questions

Savings

RD Calculator

Enter your monthly deposit, interest rate and tenure to see your RD maturity value.

Monthly deposit (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Tenure (months)

Please enter a valid value.

Result

Fill in your RD details and calculate to see the maturity value here.

How to use the RD Calculator

01

Enter the amount you deposit into your RD every month.

02

Enter the interest rate your bank or post office offers.

03

Set the tenure in months and calculate.

Formula

Maturity = R × [((1 + i)ⁿ − 1) / i] × (1 + i) where R = monthly deposit, i = monthly rate, n = number of months

Real-world example

Frequently asked questions

Investing

Lumpsum Calculator

Enter your one-time investment amount, expected return and period to see its future value.

One-time investment (₹)

Please enter a valid value.

Expected annual return (%)

Please enter a valid value.

Investment period (years)

Please enter a valid value.

Result

Fill in your investment details and calculate to see the projected value here.

How to use the Lumpsum Calculator

01

Enter the amount you plan to invest in one go.

02

Enter the annual return you expect the investment to compound at.

03

Set the investment period and calculate to see the growth chart.

Formula

FV = P × (1 + r/100)ⁿ where P = invested amount, r = expected annual return, n = years

Real-world example

Frequently asked questions

Loans

Car Loan Calculator

Enter your car loan amount, interest rate and tenure to see your monthly EMI.

Car loan amount (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Loan tenure

Please enter a valid value.

Result

Fill in the loan details and calculate to see your results here.

How to use the Car Loan Calculator

01

Enter the on-road or ex-showroom loan amount you plan to borrow.

02

Enter the annual interest rate offered by your lender.

03

Set the tenure in years or months and calculate.

Formula

EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1) where P = principal, r = monthly interest rate, n = number of monthly instalments

Real-world example

Frequently asked questions

Loans

Home Loan Calculator

Enter your home loan amount, interest rate and tenure to see your monthly EMI.

Home loan amount (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Loan tenure

Please enter a valid value.

Result

Fill in the loan details and calculate to see your results here.

How to use the Home Loan Calculator

01

Enter the sanctioned home loan amount.

02

Enter the annual interest rate offered by your bank or NBFC.

03

Set the tenure in years or months and calculate.

Formula

EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1) where P = principal, r = monthly interest rate, n = number of monthly instalments

Real-world example

Frequently asked questions

Loans

Gold Loan Calculator

Enter your gold loan amount, interest rate and tenure to see your monthly payment.

Loan amount (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Tenure (months)

Please enter a valid value.

Result

Fill in the loan details and calculate to see your results here.

How to use the Gold Loan Calculator

01

Enter the loan amount sanctioned against your gold.

02

Enter the annual interest rate charged by your lender.

03

Set the tenure in months and calculate.

Formula

EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1); Interest-only payment = P × (rate/12/100)

Real-world example

Frequently asked questions

Loans

Education Loan Calculator

Enter your education loan amount, rate, moratorium period and repayment tenure.

Loan amount (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Moratorium period (months)

Please enter a valid value.

Repayment tenure (years)

Please enter a valid value.

Result

Fill in the loan details and calculate to see your results here.

How to use the Education Loan Calculator

01

Enter the loan amount disbursed for your course.

02

Enter the moratorium period — usually your course duration plus a grace period, during which you don't repay.

03

Enter the repayment tenure over which EMIs will run once the moratorium ends.

Formula

Interest during moratorium = P × rate/100/12 × months; EMI is then calculated on (Principal + accrued interest) over the repayment tenure

Real-world example

Frequently asked questions

Loans

Personal Loan Calculator

Enter your personal loan amount, interest rate and tenure to see your monthly EMI.

Loan amount (₹)

Please enter a valid value.

Interest rate (% per year)

Please enter a valid value.

Tenure (months)

Please enter a valid value.

Result

Fill in the loan details and calculate to see your results here.

How to use the Personal Loan Calculator

01

Enter the personal loan amount you plan to borrow.

02

Enter the annual interest rate offered by your lender.

03

Set the tenure in months and calculate.

Formula

EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1) where P = principal, r = monthly interest rate, n = number of monthly instalments

Real-world example

Frequently asked questions

Salary

Salary Calculator

Enter your annual CTC to see an estimated monthly in-hand salary breakdown.

Annual CTC (₹)

Please enter a valid value.

Basic salary (% of CTC)

Please enter a valid value.

Professional tax

Result

Fill in your CTC details and calculate to see your take-home breakdown here.

How to use the Salary Calculator

01

Enter your total annual CTC (cost to company) as stated in your offer letter.

02

Enter what share of your CTC is Basic salary — commonly 40–50%.

03

Choose whether professional tax applies in your state and calculate.

Formula

Basic = CTC × basic%; Employer & Employee PF = 12% of Basic each; Gratuity accrual ≈ 4.81% of Basic; Take-home = CTC − Employer PF − Gratuity − Employee PF − Professional tax

Real-world example

Frequently asked questions

Salary

HRA Calculator

Enter your basic salary, HRA received and rent paid to see your exempt HRA.

Basic salary + DA (monthly, ₹)

Please enter a valid value.

HRA received (monthly, ₹)

Please enter a valid value.

Rent paid (monthly, ₹)

Please enter a valid value.

City type

Result

Fill in your salary and rent details and calculate to see your exempt HRA here.

How to use the HRA Calculator

01

Enter your monthly Basic salary plus Dearness Allowance (DA), if any.

02

Enter the HRA you actually receive and the rent you actually pay each month.

03

Select whether you live in a metro city and calculate.

Formula

Exempt HRA = minimum of: (a) HRA received, (b) Rent paid − 10% of Basic, (c) 50% of Basic (metro) or 40% of Basic (non-metro)

Real-world example

Frequently asked questions

Tax

Income Tax Calculator

Enter your annual gross income and pick a regime to estimate your tax liability for FY 2025-26 (AY 2026-27).

Tax regime

Annual gross income (₹)

Please enter a valid value.

Result

Fill in your income details and calculate to see your estimated tax here.

How to use the Income Tax Calculator

01

Choose the new regime (the current default) or the old regime.

02

Enter your total annual gross income from salary and other sources.

03

Calculate to see your taxable income, rebate and total tax payable.

Formula

New regime slabs (FY25-26): 0-4L Nil · 4-8L 5% · 8-12L 10% · 12-16L 15% · 16-20L 20% · 20-24L 25% · above 24L 30%, plus ₹75,000 standard deduction and a rebate up to ₹60,000 for taxable income ≤ ₹12L

Real-world example

Frequently asked questions

Salary

Gratuity Calculator

Enter your last drawn basic + DA and years of service to estimate your gratuity.

Last drawn Basic + DA (monthly, ₹)

Please enter a valid value.

Years of service

Please enter a valid value.

Result

Fill in your service details and calculate to see your gratuity amount here.

How to use the Gratuity Calculator

01

Enter your last drawn monthly Basic salary plus Dearness Allowance.

02

Enter your total years of service (fractions of a year are rounded per the Act).

03

Calculate to see your estimated gratuity payout.

Formula

Gratuity = (Last drawn Basic + DA) × 15/26 × Years of service, subject to a statutory cap of ₹20,00,000

Real-world example

Frequently asked questions

Retirement

NPS Calculator

Enter your monthly NPS contribution, expected return and years to retirement.

Monthly contribution (₹)

Please enter a valid value.

Expected annual return (%)

Please enter a valid value.

Years to retirement

Please enter a valid value.

Annuity purchase (% of corpus)

Please enter a valid value.

Assumed annuity rate (% per year)

Please enter a valid value.

Result

Fill in your NPS details and calculate to see your projected corpus here.

How to use the NPS Calculator

01

Enter your monthly NPS contribution and expected annual return.

02

Enter the number of years remaining until you retire (exit age 60 by default).

03

Set how much of your corpus you'll use to buy an annuity (minimum 40% is mandatory) and calculate.

Formula

Corpus = P × [((1 + i)ⁿ − 1) / i] × (1 + i); Monthly pension ≈ (Corpus × Annuity%) × Annuity rate / 12

Real-world example

Frequently asked questions

Utility

Inflation Calculator

Enter an amount, expected inflation rate and number of years to see its future equivalent cost.

Today's amount (₹)

Please enter a valid value.

Expected inflation rate (% per year)

Please enter a valid value.

Number of years

Please enter a valid value.

Result

Fill in the details and calculate to see the future value here.

How to use the Inflation Calculator

01

Enter an amount in today's rupees.

02

Enter the inflation rate you expect over the period.

03

Set the number of years and calculate.

Formula

Future cost = Amount × (1 + inflation rate/100)ⁿ where n = number of years

Real-world example

Frequently asked questions

Planning

Retirement Calculator

Enter your age details, expenses and return assumptions to estimate your retirement corpus.

Current age

Please enter a valid value.

Retirement age

Please enter a valid value.

Life expectancy (age)

Please enter a valid value.

Current monthly expense (₹)

Please enter a valid value.

Inflation rate (% per year)

Please enter a valid value.

Expected return before retirement (%)

Please enter a valid value.

Expected return after retirement (%)

Please enter a valid value.

Result

Fill in your details and calculate to see your retirement plan here.

How to use the Retirement Calculator

01

Enter your current age, planned retirement age and expected life expectancy.

02

Enter your current monthly expenses and the inflation rate you expect.

03

Enter your expected investment returns before and after retirement, then calculate.

Formula

Retirement corpus = Future annual expense × growing-annuity factor over retirement years; Required monthly SIP = Corpus ÷ SIP future-value factor over years to retirement

Real-world example

Frequently asked questions

Investing

Mutual Fund Returns Calculator

Enter your initial investment, current value and holding period to see your returns.

Initial investment (₹)

Please enter a valid value.

Current value (₹)

Please enter a valid value.

Holding period (years)

Please enter a valid value.

Result

Fill in your investment details and calculate to see your returns here.

How to use the Mutual Fund Returns Calculator

01

Enter the amount you originally invested.

02

Enter what the investment is worth today.

03

Enter how long you've held the investment and calculate.

Formula

Absolute return = (Current value − Initial investment) / Initial investment × 100; CAGR = ((Current value / Initial investment)^(1/years) − 1) × 100

Real-world example

Frequently asked questions

Utility

Currency Converter

Enter an amount and choose currencies to convert — rates are fetched live where possible.

Amount

Please enter a valid value.

From currency

To currency

Result

Enter an amount and currencies, then convert to see the result here.

How to use the Currency Converter

01

Enter the amount you want to convert.

02

Choose the currency you're converting from and to.

03

Click Convert — the current exchange rate is fetched live.

Formula

Converted amount = Amount × (exchange rate from → to), fetched live from a public exchange-rate API

Real-world example

Frequently asked questions

Utility

Age Calculator

Enter your date of birth to see your exact age and countdown to your next birthday.

Date of birth

Please enter a valid date.

Result

Enter your date of birth and calculate to see your exact age here.

How to use the Age Calculator

01

Enter your date of birth using the date picker.

02

Click Calculate Age.

03

See your exact age and the countdown to your next birthday.

Formula

Age is calculated by taking the calendar difference between today's date and your date of birth, carrying over days and months as needed.

Real-world example

Frequently asked questions

Utility

Percentage Calculator

Choose what you want to calculate and enter your two values.

What do you want to calculate?

Value X

Please enter a valid value.

Value Y

Please enter a valid value.

Result

Choose a mode, enter your values and calculate to see the result here.

How to use the Percentage Calculator

01

Choose the type of percentage calculation you need.

02

Enter your two values, X and Y.

03

Calculate to see the result.

Formula

X% of Y = (X/100)×Y · X is what % of Y = (X/Y)×100 · % change from X to Y = ((Y−X)/X)×100