List of Calculators

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This is a list of all the free personal finance calculators available.  (updated Mar. 5th 2014)

All calculators are governed by the following licenses: 

  1. Copyleft
  2. Share-alike
  3. Creative Commons Attribution Share-alike 3.0 Unported License


Flagship Calculators: 

Create your own financial plan with this financial planning template

 Automated Mutual Fund & Financial Goal Tracker


  1. Mutual Fund Calculators/Resources
  2. Equity/Stock Resources
  3. Basic Retirement Calculators
  4. Goal-based Investing Calculators
  5. Investment Calculators
  6. Fixed Deposit and Recurring Deposit Calculators
  7. Debt Mutual Fund vs. Fixed Deposit Calculators
  8. Portfolio Management Calculators
  9. Loan/Debt Calculators
  10. Insurance Calculators
  11. Financial Planning Calculators
  12. Advanced Retirement Calculators


Mutual Fund Calculators/Resources

Equity/Stock Resources

Fixed Deposit and Recurring Deposit Calculators


Basic Retirement Calculators

Investment Calculators

Post-retirement investment calculators

Debt Mutual Fund vs. Fixed Deposit Calculators

Portfolio Management Calculators

Goal-based Investing Calculators

Advanced Retirement Calculators

Insurance Calculators

Financial Planning Calculators

Loan/Debt Calculators

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

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Content Policy

Freefincal has original unbiased, conflict-of-interest-free,  topical reports, reviews, commentary and analysis on all aspects of personal finance like mutual funds, stocks, insurance etc. All guest authors and contributors to the site also do not have any conflict of interest. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. No promotional content We do not accept sponsored posts and link exchange requests from content writers and agencies. This is our privacy policy Our website is non-profit in nature. The revenue from the advertisement will only be used for hosting charges, domain registration charges, specific plugins necessary for traffic growth and analytics services for search engine optimisation.

Do check out my books

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingMy first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now.  It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantMy second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.


  1. Excellent!!!!!!Generation to come would hardly believe that such a useful blog was there in this mighty planet.Really very helpful

  2. It will be helpful if you could provide a calculator to calculate the capital gains for investment in debt mutual funds and FMPs with indexation based on cost inflation index.

    1. Thank you for checking out the list of calculators. The Debt funds vs FD calculators have this feature, as do the lump sum investment comparator.

  3. Excellent content on this website. I learnt a lot about personal finance and other topics from your articles. Thanks and keep up the good work.

  4. Excellent blog! Very helpful one stop shop to learn & plan personal financing. Thank you for creating such an asset and helping many individuals. Keep up the good work, Pattu.

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