Every loan, tax and investment number, worked out in one place.
23 calculators, one clean workspace. Type your numbers, get an instant, exact result — no sign-up, no clutter.
EMI Calculator
Work out your monthly loan instalment, interest and total payment.
GST Calculator
Add or remove GST from any amount at standard Indian slab rates.
SIP Calculator
Project the future value of your monthly, quarterly or yearly SIP.
FD Calculator
See exactly what your fixed deposit will be worth at maturity.
Loan Calculators
Work out EMIs, interest and total cost across every loan type.
Car Loan Calculator
Work out your monthly car loan EMI, interest and total payment.
Home Loan Calculator
Work out your monthly home loan EMI, interest and total payment.
Gold Loan Calculator
Work out your gold loan EMI or interest-only monthly payment.
Education Loan Calculator
Estimate your EMI after accounting for the moratorium period.
Personal Loan Calculator
Work out your personal loan EMI, interest and total payment.
Investment & Savings
Project how your money grows across schemes and time horizons.
PPF Calculator
Estimate your Public Provident Fund maturity value with yearly compounding.
RD Calculator
Find the maturity value of your recurring deposit.
Lumpsum Calculator
Project the future value of a one-time investment.
NPS Calculator
Project your NPS corpus, lumpsum withdrawal and estimated monthly pension.
Retirement Calculator
Estimate the corpus you'll need and how much to save monthly to get there.
Mutual Fund Returns Calculator
Calculate the absolute and annualised (CAGR) return on your investment.
Tax & Salary
Break down your pay, exemptions and tax liability.
Salary Calculator
Break your CTC down into basic, deductions and monthly take-home.
HRA Calculator
Work out your tax-exempt HRA amount under the old tax regime.
Income Tax Calculator
Estimate your income tax for FY 2025-26 under the new or old regime.
Gratuity Calculator
Calculate the gratuity amount payable under the Payment of Gratuity Act.
Everyday Utility
Quick, everyday number-crunching tools.
Inflation Calculator
See what today's money will be worth — or cost — in the future.
Currency Converter
Convert between major world currencies using live exchange rates.
Age Calculator
Find your exact age in years, months and days, plus your next birthday countdown.
Percentage Calculator
Find a percentage of a number, work out what percent one number is of another, or find percentage change.
EMI Calculator
Enter your loan amount, interest rate and tenure to see your exact monthly instalment.
Result
How to use the EMI calculator
Enter the total loan amount you plan to borrow.
Pick or type the annual interest rate offered by your lender.
Set the tenure in years or months and calculate.
EMI formula
Real-world example
Frequently asked questions
GST Calculator
Add GST to a base amount, or pull the GST out of a final, tax-inclusive amount.
Result
How to use the GST calculator
Choose whether you want to add GST or remove it from an inclusive amount.
Enter the amount and pick the applicable GST slab.
Calculate to see the original amount, GST amount and final amount.
GST formula
Real-world example
Frequently asked questions
SIP Calculator
See how a regular investment can grow over time with the power of compounding.
Result
How to use the SIP calculator
Choose how often you invest — monthly, quarterly or yearly.
Enter the amount you invest each time and your expected annual return.
Set the investment period and calculate to see the growth chart.
SIP formula
Real-world example
Frequently asked questions
FD Calculator
Calculate the exact maturity value of your fixed deposit, with compounding.
Result
How to use the FD calculator
Enter the amount you plan to deposit.
Pick the interest rate your bank offers and the tenure.
Choose the compounding frequency and calculate.
FD formula
Real-world example
Frequently asked questions
About MeowCalculator
Who we are
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.
Send us a message
Fill out our quick contact form and we'll get back to you as soon as we can.
Email us
meowcalculator@gmail.com
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.
Main pages
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
Everyday utility calculators
404 — Page not found
We couldn't find the page you were looking for. It may have moved, or the link might be broken.
PPF Calculator
Enter your yearly PPF contribution, current interest rate and tenure to see the maturity value.
Result
How to use the PPF Calculator
Enter the amount you plan to invest in your PPF account each year.
Use the current PPF interest rate, notified quarterly by the government.
Set your investment period (minimum 15 years) and calculate.
Formula
Real-world example
Frequently asked questions
RD Calculator
Enter your monthly deposit, interest rate and tenure to see your RD maturity value.
Result
How to use the RD Calculator
Enter the amount you deposit into your RD every month.
Enter the interest rate your bank or post office offers.
Set the tenure in months and calculate.
Formula
Real-world example
Frequently asked questions
Lumpsum Calculator
Enter your one-time investment amount, expected return and period to see its future value.
Result
How to use the Lumpsum Calculator
Enter the amount you plan to invest in one go.
Enter the annual return you expect the investment to compound at.
Set the investment period and calculate to see the growth chart.
Formula
Real-world example
Frequently asked questions
Car Loan Calculator
Enter your car loan amount, interest rate and tenure to see your monthly EMI.
Result
How to use the Car Loan Calculator
Enter the on-road or ex-showroom loan amount you plan to borrow.
Enter the annual interest rate offered by your lender.
Set the tenure in years or months and calculate.
Formula
Real-world example
Frequently asked questions
Home Loan Calculator
Enter your home loan amount, interest rate and tenure to see your monthly EMI.
Result
How to use the Home Loan Calculator
Enter the sanctioned home loan amount.
Enter the annual interest rate offered by your bank or NBFC.
Set the tenure in years or months and calculate.
Formula
Real-world example
Frequently asked questions
Gold Loan Calculator
Enter your gold loan amount, interest rate and tenure to see your monthly payment.
Result
How to use the Gold Loan Calculator
Enter the loan amount sanctioned against your gold.
Enter the annual interest rate charged by your lender.
Set the tenure in months and calculate.
Formula
Real-world example
Frequently asked questions
Education Loan Calculator
Enter your education loan amount, rate, moratorium period and repayment tenure.
Result
How to use the Education Loan Calculator
Enter the loan amount disbursed for your course.
Enter the moratorium period — usually your course duration plus a grace period, during which you don't repay.
Enter the repayment tenure over which EMIs will run once the moratorium ends.
Formula
Real-world example
Frequently asked questions
Personal Loan Calculator
Enter your personal loan amount, interest rate and tenure to see your monthly EMI.
Result
How to use the Personal Loan Calculator
Enter the personal loan amount you plan to borrow.
Enter the annual interest rate offered by your lender.
Set the tenure in months and calculate.
Formula
Real-world example
Frequently asked questions
Salary Calculator
Enter your annual CTC to see an estimated monthly in-hand salary breakdown.
Result
How to use the Salary Calculator
Enter your total annual CTC (cost to company) as stated in your offer letter.
Enter what share of your CTC is Basic salary — commonly 40–50%.
Choose whether professional tax applies in your state and calculate.
Formula
Real-world example
Frequently asked questions
HRA Calculator
Enter your basic salary, HRA received and rent paid to see your exempt HRA.
Result
How to use the HRA Calculator
Enter your monthly Basic salary plus Dearness Allowance (DA), if any.
Enter the HRA you actually receive and the rent you actually pay each month.
Select whether you live in a metro city and calculate.
Formula
Real-world example
Frequently asked questions
Income Tax Calculator
Enter your annual gross income and pick a regime to estimate your tax liability for FY 2025-26 (AY 2026-27).
Result
How to use the Income Tax Calculator
Choose the new regime (the current default) or the old regime.
Enter your total annual gross income from salary and other sources.
Calculate to see your taxable income, rebate and total tax payable.
Formula
Real-world example
Frequently asked questions
Gratuity Calculator
Enter your last drawn basic + DA and years of service to estimate your gratuity.
Result
How to use the Gratuity Calculator
Enter your last drawn monthly Basic salary plus Dearness Allowance.
Enter your total years of service (fractions of a year are rounded per the Act).
Calculate to see your estimated gratuity payout.
Formula
Real-world example
Frequently asked questions
NPS Calculator
Enter your monthly NPS contribution, expected return and years to retirement.
Result
How to use the NPS Calculator
Enter your monthly NPS contribution and expected annual return.
Enter the number of years remaining until you retire (exit age 60 by default).
Set how much of your corpus you'll use to buy an annuity (minimum 40% is mandatory) and calculate.
Formula
Real-world example
Frequently asked questions
Inflation Calculator
Enter an amount, expected inflation rate and number of years to see its future equivalent cost.
Result
How to use the Inflation Calculator
Enter an amount in today's rupees.
Enter the inflation rate you expect over the period.
Set the number of years and calculate.
Formula
Real-world example
Frequently asked questions
Retirement Calculator
Enter your age details, expenses and return assumptions to estimate your retirement corpus.
Result
How to use the Retirement Calculator
Enter your current age, planned retirement age and expected life expectancy.
Enter your current monthly expenses and the inflation rate you expect.
Enter your expected investment returns before and after retirement, then calculate.
Formula
Real-world example
Frequently asked questions
Mutual Fund Returns Calculator
Enter your initial investment, current value and holding period to see your returns.
Result
How to use the Mutual Fund Returns Calculator
Enter the amount you originally invested.
Enter what the investment is worth today.
Enter how long you've held the investment and calculate.
Formula
Real-world example
Frequently asked questions
Currency Converter
Enter an amount and choose currencies to convert — rates are fetched live where possible.
Result
How to use the Currency Converter
Enter the amount you want to convert.
Choose the currency you're converting from and to.
Click Convert — the current exchange rate is fetched live.
Formula
Real-world example
Frequently asked questions
Age Calculator
Enter your date of birth to see your exact age and countdown to your next birthday.
Result
How to use the Age Calculator
Enter your date of birth using the date picker.
Click Calculate Age.
See your exact age and the countdown to your next birthday.
Formula
Real-world example
Frequently asked questions
Percentage Calculator
Choose what you want to calculate and enter your two values.
Result
How to use the Percentage Calculator
Choose the type of percentage calculation you need.
Enter your two values, X and Y.
Calculate to see the result.