Free · No signup · Built for middle class India

Your money, calculated clearly
for middle class India

23 free calculators — SIP, FIRE, PPF, EPF, NPS, HRA, GST, Sukanya Samriddhi and more. Built around Indian inflation, tax laws, and real numbers.

23+
Free calculators
₹0
Cost to use
6%
India inflation modelled
PDF
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All calculators
Click any card to open the full calculator in a new tab
Most popular
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FIRE corpus calculator
Find exactly how much corpus you need to retire early based on your expenses, age, and Indian inflation rate.
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Unique
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Immortal SWP calculator
What corpus size means your monthly withdrawals never eat into the principal? Find your forever number — unique to MiddleClassMoney.in.
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Unique
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Coast FIRE calculator
At what savings milestone can you stop contributing and let compounding carry you to FIRE automatically?
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Lean / Fat FIRE calculator
Compare Lean FIRE (frugal), Regular FIRE, Fat FIRE (luxury), and Barista FIRE corpus targets side by side.
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Popular
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Retirement corpus calculator
Plan traditional retirement at 60 with India-specific inflation, pension income, post-retirement returns, and life expectancy.
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SWP depletion calculator
How many years before your corpus runs out given your monthly withdrawal amount and expected returns?
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Popular
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SIP calculator
Calculate monthly SIP returns with step-up option and interactive year-by-year corpus growth chart.
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Unique
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Step-up SIP calculator
See the massive difference when you increase your SIP by 10–15% every year alongside your salary hike.
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Unique
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FD laddering planner
Build a staggered FD strategy for post-retirement safety income. Auto-calculates maturity and reinvestment schedule.
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Lumpsum calculator
How does a one-time investment grow over time at various CAGR rates with inflation-adjusted real returns?
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Popular
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PPF calculator
Calculate PPF maturity amount with year-by-year interest. 100% tax-free returns at 7.1% p.a. Includes 80C deduction benefit.
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Popular
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EPF calculator
Calculate EPF maturity at retirement including employer contribution at 8.25% interest rate with salary increment.
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NPS calculator
Calculate NPS corpus at 60, tax-free lumpsum withdrawal (60%), and monthly pension from annuity (40%).
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Sukanya Samriddhi calculator
Calculate SSY maturity for your daughter at 8.2% interest. 100% tax-free with 80C deduction for up to ₹1.5 lakh/year.
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Popular
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Home loan EMI calculator
Monthly EMI, total interest paid, and amortisation schedule with prepayment impact analysis.
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Personal loan EMI calculator
Find monthly EMI and compare total interest cost across different tenures and interest rates.
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Updated FY26
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Income tax calculator
Compare old vs new tax regime for FY 2025-26 with ₹12 lakh zero-tax rebate under new regime. Full breakdown.
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Capital gains tax calculator
Calculate LTCG/STCG tax on equity, mutual funds, and property with Budget 2024 rate changes.
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New
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HRA exemption calculator
Calculate HRA tax exemption for metro and non-metro cities. Find exact tax-free portion of your house rent allowance.
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New
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GST calculator
Calculate GST amount for all slabs (5%, 12%, 18%, 28%). Supports both inclusive and exclusive GST calculation.
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Inflation calculator
How much will ₹50,000/month expenses cost in 20 years at 6% Indian inflation? Essential for any FIRE or retirement plan.
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RD calculator
Calculate recurring deposit maturity amount and interest for any bank or post office with quarterly compounding.
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Gratuity calculator
Calculate gratuity on resignation or retirement as per Payment of Gratuity Act. Includes ₹20 lakh tax-free limit.
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New to FIRE? Start here.

FIRE = Financial Independence, Retire Early. Build a corpus large enough that investment returns cover all living expenses — so work becomes a choice, not a necessity. Our calculators show you the exact number and path to get there.

Why MiddleClassMoney.in?
🇮🇳
Built for middle class India
Every calculator uses Indian inflation (6%), CAGR benchmarks, and India-specific tax rules — not US formulas copy-pasted for India.
📄
Download your plan
Every calculator generates a branded PDF with year-by-year projections and action checklist. Free with account signup.
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No data stored
All calculations run in your browser. We never see your numbers. No account needed to calculate — only to download reports.
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23 calculators
From SIP to Sukanya Samriddhi, FIRE to GST — the most complete free calculator suite for Indian middle class families.