SmartMoney Calc
Access a wide range of accurate and easy-to-use calculators for all your financial, utility, and educational needs.
Featured Calculators
Our most popular and useful calculators to help you with financial planning, education, and more.
SIP Calculator
InvestmentCalculate returns on your monthly Systematic Investment Plan (SIP) investments.
- •Projected returns on investment
- •Inflation-adjusted wealth gain
- •Visualize growth with charts
Salary Calculator
IncomeEstimate your in-hand salary after deductions like PF, Tax, and Insurance.
- •In-hand salary breakdown
- •PF & Professional Tax calculation
- •Annual CTC to monthly pay
GST Calculator
TaxEasily calculate GST tax for goods and services with exclusive/inclusive rates.
- •Inclusive & Exclusive GST
- •Custom tax percentage support
- •Instant tax breakdown
Home Loan EMI
LoansCalculate your monthly EMI and total interest payable for home loans.
- •Monthly EMI estimation
- •Total interest payout check
- •Amortization schedule preview
Car Loan EMI
VehiclePlan your dream car purchase with accurate EMI and interest calculations.
- •Down payment adjustment
- •Flexible loan tenure options
- •Interest rate comparison
Income Tax Calculator
GovernmentCompare tax moves under Old vs New Regime for the financial year.
- •Old vs New Regime comparison
- •Deductions & Exemptions
- •Surcharge & Cess calculation
Calculator Categories
Explore our wide range of calculators designed to help you make informed financial decisions.
Banking & Finance
SBI Annuity, EMI, and more
- • SBI Annuity Deposit Scheme
- • Monthly Income Calculator
- • Royal Enfield Hunter 350 EMI
Salary & Income
Pay commission and salary tools
- • 8th Pay Commission Calculator
- • Pay Matrix Calculator
- • Basic & Gross Pay Hike
Frequently Asked Questions
Common questions about our financial tools.
How accurate are these calculators?
Our calculators use standard financial formulas to provide highly accurate estimates. However, actual figures may vary slightly depending on your specific bank's policies and hidden charges.
Do I need to sign up to use the calculators?
No, all our calculators are completely free to use without any registration or sign-up.
Can I use these for commercial purposes?
These tools are designed for personal use to help you plan your finances better. For commercial integration, please contact us.
What is the difference between flat and reducing interest rates?
A flat rate is calculated on the principal amount throughout the tenure, while a reducing rate is calculated only on the outstanding balance, generally making the latter cheaper.