MK's Finance Lab
29 CALCULATORS FREE

Every financial calculator,
one place.

From SIP to EMI, tax comparison to retirement planning, capital gains to rent-vs-buy — a complete, professional-grade calculator suite. No signup. No tracking. Instant results.

See features
29+
Calculators
8
Categories
100%
Free Forever
0KB
Data Collected
Features

Built for every money decision

Whether you're starting your first SIP, buying a house, planning retirement, or optimising tax — there's a calculator for it.

📈
Investment Planning
Project returns for SIP, lumpsum, step-up SIP. Visualise compounding with interactive charts over your chosen horizon.
SIPCAGRStep-UpGoal SIP
🏦
Loan & EMI
Full EMI with amortisation schedule. See savings from prepayment or switching lenders. Check loan eligibility against your FOIR.
EMIPrepayTransferEligibility
📋
Tax Optimisation
Compare Old vs New tax regime for FY 2024-25. Calculate HRA exemption, STCG/LTCG on equity, debt, and property.
Old vs NewHRALTCG
🧓
Retirement Planning
Model your retirement corpus with inflation, life expectancy, and post-retirement returns. See the monthly SIP to get there.
CorpusNPSEPF
📊
Trading Tools
Zerodha-style brokerage breakdown with STT, GST, and exchange charges. Position sizing by risk. Dividend yield projections.
BrokeragePositionP&L
🏠
Real Estate
Detailed rent-vs-buy NPV analysis over your horizon. Rental yield net of costs. State-wise stamp duty with gender concessions.
Rent v BuyYieldStamp Duty
How it works

Answers in 10 seconds

No forms. No sign-ups. No confirmations. Just instant, accurate numbers.

1
Pick a calculator
Choose from 29 tools across 8 categories — investment, loans, tax, retirement, trading, savings, insurance, real estate.
2
Enter your numbers
Use intuitive sliders or type directly. Results update live as you tweak inputs — no "calculate" button required.
3
Get insights & charts
See projections, breakdowns, amortisation tables, and interactive charts. Everything you need to decide confidently.
mk-finance.netlify.app — SIP Calculator
📥
SIP Calculator
Monthly Investment₹10,000
Expected Return12%
Time Period20 yrs
Maturity Value
₹99.9L
Invested₹24,00,000
Wealth Gained₹75,91,479
🏠
Home Loan EMI
Loan Amount₹50,00,000
Interest Rate8.5%
Tenure20 yrs
Monthly EMI
₹43,391
Total Interest₹54,13,897
Total Payment₹1,04,13,897
Why MK Finance

Privacy-first by design

Most finance apps want your data. This one doesn't even know you exist.

🔒
No data collection
All calculations run in your browser. Nothing is sent to any server. No analytics. No tracking.
⚡
Zero friction
No signup. No login. No "free trial then pay". Open, use, close. That's it.
📶
Works offline
Once the page loads, most calculators work without an internet connection. Save it for your phone.
🎯
India-focused
Tax slabs, PPF, SSY, EPF, HRA, stamp duty — built around Indian finance rules and instruments.
About & Privacy

Transparent by default

👋 About

MK's Finance Lab was built as a free, no-BS alternative to the dozens of calculator sites cluttered with ads and pop-ups. The goal: give everyone — students, first-time investors, families planning retirement — access to professional-grade financial calculators without paying, signing up, or being tracked.

Every formula is based on standard financial mathematics (SIP compounding, reducing-balance EMI, Indian tax slabs for FY 2024-25, and so on). The source is transparent — the entire app is a single HTML file.

Feedback or suggestions?
I'd love to hear what you'd like added next. Reach out via any social handle you find me at, or leave an issue on GitHub.

🔐 Privacy & Terms

What I collect: Nothing. Literally nothing. There are no cookies, no analytics scripts, no user accounts.

What runs where: Every calculation happens in your browser using JavaScript. No financial details you enter ever leave your device.

Third-party assets: The page loads fonts from Google Fonts and Chart.js from Cloudflare CDN for the charting library. These may log your IP per their own policies.

Disclaimer: All results are indicative. Financial decisions should be made after consulting a SEBI-registered advisor. Market data shown in the live ticker is simulated for demonstration.

  • No signup required
  • No ads, no tracking
  • Open-source, single HTML file
  • Free forever
FAQ

Questions, answered

Yes, completely. No signup, no paywall, no "premium tier". All 29 calculators are free, forever. This is a personal side project, not a business.
No. Everything runs in your browser. Your inputs never leave your device. There is no database, no server, no analytics. Close the tab and all your data is gone.
The formulas use standard financial mathematics — SIP future value, reducing-balance EMI, Indian tax slabs for FY 2024-25, capital gains rules post Budget 2024, etc. That said, results are indicative. Always consult a SEBI-registered advisor for big decisions.
No — the ticker is simulated for demonstration. Exchange APIs (NSE, BSE) block direct browser requests via CORS, so a live feed needs a paid backend service or data provider. The ticker here is for visual/educational purposes only.
Yes — the entire site is mobile-responsive. You can even "Add to Home Screen" from your phone's browser to use it like a native app.
Maybe I missed it! Let me know what's useful to you and I'll add it. The project is actively maintained.

Ready to run the numbers?

29 calculators · Free · No signup · Instant results

MK
MK's Finance Lab
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29 PROFESSIONAL CALCULATORS

Every Financial Calculator
You'll Ever Need

From SIP to EMI, XIRR to Black-Scholes — a complete suite of financial calculators built for investors, borrowers, planners, and traders.

29+
Calculators
8
Categories
100%
Free & Local
Investment Calculators
SIP · Lumpsum · CAGR · Compound Interest · Step-Up SIP · Goal Planning · Real Return
📥
SIP Calculator
Systematic Investment Plan returns
Maturity Value
₹0
Invested Amount₹0
Wealth Gained₹0
💵
Lumpsum Calculator
One-time investment growth
Future Value
₹0
Principal₹0
Wealth Gained₹0
📐
CAGR Calculator
Compounded Annual Growth Rate
Calculate CAGR
Find Future Value
CAGR
—
🔢
Compound Interest
Power of compounding visualised
Maturity Amount
—
Interest Earned—
Simple Interest (for comparison)—
Extra from Compounding—
🚀
Step-Up SIP
SIP with annual increment
Maturity Value
—
Total Invested—
Wealth Gained—
vs Normal SIP—
🎯
Goal SIP Planner
How much SIP to achieve a goal?
Required Monthly SIP
—
Total Investment—
Expected Returns—
📉
Real Return Calculator
Inflation-adjusted returns
Real Return (p.a.)
—
Nominal Future Value—
Real Future Value (today's ₹)—
Purchasing Power Lost—
Loan & EMI Calculators
Home · Car · Personal Loan EMI with amortisation tables
🏠
EMI Calculator
Home / Car / Personal Loans — with full amortisation schedule
Monthly EMI
—
Principal—
Total Interest—
Total Payment—
Amortisation Schedule (first 12 months)
#EMIPrincipalInterestBalance
💸
Loan Prepayment
Savings from partial prepayment
Interest Saved
—
Old Tenure—
New Tenure—
Months Saved—
🔄
Balance Transfer
Savings on switching lender
Net Savings
—
Old EMI—
New EMI—
Monthly Savings—
✅
Loan Eligibility
Max loan based on income
Max Loan Eligible
—
Available EMI capacity—
Retirement Calculators
NPS · EPF · Retirement Corpus · Post-Retirement Planning
🏖️
Retirement Corpus Planner
Plan how much you need to retire comfortably
Retirement Corpus Required
—
Monthly Expense at Retirement—
Years in Retirement—
Required Monthly SIP (now)—
Assumed Pre-Retirement Return12% p.a.
🏛️
NPS Calculator
National Pension System returns
Total Corpus
—
Lump Sum (60%)—
Annuity (40%)—
Monthly Pension—
👷
EPF Calculator
Employee Provident Fund maturity
EPF Maturity (8.25% p.a.)
—
Monthly Contribution—
Total Contributions—
Interest Earned—
Tax Calculators
Income Tax · HRA · Capital Gains · Old vs New Regime
🧾
Income Tax Calculator FY 2024-25
Old vs New Tax Regime comparison
OLD REGIME
—
—
NEW REGIME
—
—
⚡ Calculating...
Old Taxable Income—
New Taxable Income—
🏘️
HRA Exemption
Calculate tax-free HRA amount
HRA Exemption
—
Actual HRA—
50/40% of Basic—
Rent - 10% Basic—
Taxable HRA—
📊
Capital Gains Tax
STCG & LTCG on shares/MF
Tax Payable
—
Gain Type—
Tax Rate—
Net Gain—
Net Profit After Tax—
Stocks & Trading Calculators
Brokerage · P&L · Position Sizing · Dividend Yield
🔖
Brokerage Calculator
Zerodha-style charges breakdown
Net P&L
—
Brokerage—
STT—
GST—
Exchange + SEBI—
Total Charges—
Breakeven Price—
🎚️
Position Sizing
Risk-based position calculator
Shares to Buy
—
Capital at Risk—
Trade Value—
% of Portfolio—
R:R (1:?)—
💰
Dividend Calculator
Yield, income & reinvestment
Current Dividend Yield
—
Annual Income—
Income after 5 yrs—
Yield on Cost (future)—
📐
P&L Calculator
Profit/Loss with charges
Net Profit/Loss
—
Gross P&L—
Total Charges—
Return %—
Savings & Fixed Deposit Calculators
FD · RD · PPF · Sukanya Samriddhi Yojana
🏧
FD Calculator
Fixed Deposit maturity with interest
Maturity Amount
—
Interest Earned—
Effective Yield—
📅
RD Calculator
Recurring Deposit maturity
Maturity Amount
—
Total Invested—
Interest Earned—
🏦
PPF Calculator
Public Provident Fund (15 yrs)
Max: ₹1,50,000 per year
Maturity (Tax-Free!)
—
Total Invested—
Interest Earned—
80C Tax Saving (30% slab)—
👧
Sukanya Samriddhi (SSY)
Savings scheme for girl child
Maturity at 21 (8.2% p.a.)
—
Deposit Years—
Total Invested—
Interest Earned—
Insurance Calculators
Life Cover Needs · HLV Method · Term Premium Estimator
❤️
Life Insurance Cover Planner
How much life cover do you actually need?
Recommended Cover
—
Income Replacement Need—
Loans to Clear—
Family Corpus Need—
Education Fund—
Less: Existing Assets—
📐 HLV Method Recommendation...
📄
Term Premium Estimator
Approximate term plan premium
Est. Annual Premium
—
Monthly Premium—
Cost per ₹1L cover/yr—
*Indicative estimate. Actual premium varies by insurer & health.
Real Estate Calculators
Rent vs Buy · Rental Yield · Stamp Duty · Registration
🏗️
Rent vs Buy Analyser
Which is better for you financially?
▸ Buying Scenario
▸ Renting Scenario
BUYING COST
—
RENTING COST
—
⚡ Analysing...
📈
Rental Yield
Property investment returns
Net Rental Yield
—
Gross Yield—
Annual Rental Income—
Annual Expenses—
📜
Stamp Duty & Registration
Property buying charges
Total Buying Cost
—
Stamp Duty—
Registration Fee (1%)—
Effective Rate—