VK Financial Calculator India

All the financial calculators Indians need, in one app. SIP and step-up SIP, EMI for home, car, bike, and personal loans, fixed deposits and recurring deposits, PPF, EPF, NPS, SWP, GST, gratuity, HRA exemption, post office schemes, chit funds, and gold. 35+ calculators with results in lakhs and crores. Works offline. No sign up.

Enter your numbers and tap Calculate. You get maturity value, total interest, monthly and yearly amortization tables for detailed breakdowns, and charts.

MUTUAL FUNDS AND INVESTING
• SIP Calculator with lumpsum and yearly top-up (step-up SIP).
• SIP Goal (Reverse SIP). Enter a target like 1 crore and get the monthly SIP needed to reach it.
• SWP Calculator. Plan monthly withdrawals and check how long your corpus lasts.
• Index Returns (Historic). See how your money would have grown with actual Nifty 50 and Nifty Next 50 data.
• Future Value for any one-time investment.

LOANS AND EMI
• Home Loan EMI Calculator with total interest and full amortization schedule.
• Home Loan Advanced EMI Calculator lets you add prepayments, fees, and charges to see how it affects your payments, the interest saved, or the years cut from your tenure.
• Car Loan EMI and Bike Loan EMI (Vehicle Loan) Calculator. Showrooms often quote a flat rate. Flat rate charges interest on the full amount for the entire tenure, so the effective cost is nearly double. Compare flat vs reducing balance before you sign.
• Personal Loan EMI. Calculate your EMI and estimate the processing fees you pay

DEPOSITS AND SAVINGS
• FD Calculator with maturity amount. For cumulative and payout type fixed deposits. Shows monthly, quarterly, half-yearly and yearly payouts for any interest rate and tenure.
• RD Calculator.
• Post office schemes: Monthly Income Scheme (POMIS), Time Deposit, RD and NSC.
• Sukanya Samriddhi Yojana (SSY) calculator lets you calculate and estimate how your investment for a girl child grows over the years.
• Senior Citizen Savings Scheme (SCSS) calculator for estimating quarterly payout amounts.
• Kisan Vikas Patra (KVP) and Mahila Samman Savings Certificate (MSSC).

RETIREMENT PLANNING
• NPS Calculator with retirement corpus, annuity, and expected monthly pension.
• PPF Calculator with year-wise balance for the full 15-year tenure.
• EPF Calculator based on your basic salary and contributions.
• Atal Pension Yojana (APY) and PM Shram Yogi Maandhan (PMSYM).

MADE FOR INDIA
• Chit Fund Calculator. Know your dividend, net payment, and effective interest before you bid.
• Gold and Jewellery Cost Calculator. Enter weight, making charges (VA) and GST to see the final bill. Or enter your budget and see how many grams you can buy.
• Sovereign Gold Bond (SGB) interest and maturity value.
• GST, Discount, Simple Interest, Inflation and Historic Inflation calculators.

SALARY AND BENEFITS
• HRA Exemption Calculator as per Indian income tax rules.
• Gratuity Calculator from years of service and last drawn salary.

Specialties of VK Financial Calculator App
• Uses the Indian number system. That means commas are in the right place everywhere (e.g., 12,00,000) and use Lakhs and Crores (e.g., 12 lakhs, 1.5 Crores, etc.).
• Works offline. Use it in the bank queue or at the jewellery shop.
• No login, no OTP, no KYC.
• Monthly and yearly report tables on almost every calculator.
• An Info tab on every calculator that explains how the scheme works.
• Light and dark mode.

A note on rates: PPF, SSY, SCSS and other government scheme rates are revised every quarter. We update them quickly, and most calculators also let you enter your own rate.

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DISCLAIMER: All results are estimates based on the numbers you enter. Rates and rules change over time. Please verify current rates and consult a financial professional before you invest or borrow.