Investment Tools & Calculators
Whether you're planning for retirement, calculating EMI for a home loan, estimating SIP returns for mutual funds, or computing tax savings, BullTimes provides accurate, easy-to-use financial calculators. Our tools cover everything from basic compound interest calculations to advanced investment planning, helping you make informed decisions about PPF, FD, NPS, EPF, GST, and more. Perfect for first-time investors and seasoned professionals alike.
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Most Popular
Compound Interest Calculator
Calculate how your investments will grow over time with compound interest
SIP Calculator
Calculate returns on Systematic Investment Plan in mutual funds
FD Calculator
Calculate maturity amount and interest for Fixed Deposit
Take-Home Salary Calculator
CTC to monthly in-hand after PF, professional tax and income tax, both regimes
PPF Calculator
Calculate Public Provident Fund maturity with 15-year lock-in
GST Calculator
Add or remove GST at the 5%, 18% and 40% slabs
Simple Invoice Generator
Create professional GST-compliant PDF invoices instantly
Buy vs Rent + Invest Simulator
Would you be richer buying a house or renting and investing the difference? Full month-by-month wealth simulation.
Home Loan EMI Calculator
EMI, year-by-year schedule, and what a prepayment saves either way
Personal Loan Calculator
Calculate EMI and total interest for personal loans
Inflation-Adjusted Calculator
Calculate real returns considering inflation impact
HRA Exemption Calculator
Calculate HRA tax exemption under Section 10(13A)
Child Education Expense Calculator
Complete education cost planning from primary school to post-graduation
Home Loan Eligibility Calculator
Calculate maximum home loan amount based on income
Home Loan Overdraft Calculator
Overdraft-linked home loans such as SBI MaxGain: interest saved, money still withdrawable
Capital Gains Tax Calculator
Calculate LTCG and STCG tax for stocks, property, crypto
Income Tax Calculator
Old vs new regime, with rebate, surcharge and marginal relief
Tax Chat Assistant
Answers Indian income tax queries from verified current-year figures
Goal-Based Investment Planner
Plan SIP/lumpsum for education, retirement, home & more
Dream Home Calculator
Calculate required SIP or lumpsum to buy your dream home
Mutual Fund Return Analyzer
Compare two mutual funds side-by-side with CAGR and returns analysis
All Financial Tools
Compound Interest Calculator
Calculate how your investments will grow over time with compound interest
SIP Calculator
Calculate returns on Systematic Investment Plan in mutual funds
FD Calculator
Calculate maturity amount and interest for Fixed Deposit
Take-Home Salary Calculator
CTC to monthly in-hand after PF, professional tax and income tax, both regimes
SWP Calculator
How long a corpus lasts under monthly withdrawals
Term Insurance Cover Calculator
Life cover a household needs, two ways, net of existing cover
Net Worth Calculator
What you own less what you owe, and how much is liquid
Compare Two Calculations
Two calculator results side by side, from their share links
Advance Tax Calculator
The four instalments and interest under s.234B and s.234C
Tax Calendar
Advance tax and ITR deadlines for the next twelve months, as a calendar feed
Emergency Fund Calculator
How many months of expenses you hold, and how long to build the rest
Sukanya Samriddhi Calculator
SSY maturity at 21 years, with the 80C saving on the deposits
ROI Calculator
Calculate return on investment for your trades and investments
PPF Calculator
Calculate Public Provident Fund maturity with 15-year lock-in
Retirement Calculator
Plan your retirement savings and see if you're on track
GST Calculator
Add or remove GST at the 5%, 18% and 40% slabs
Simple Invoice Generator
Create professional GST-compliant PDF invoices instantly
Stock Profit/Loss Calculator
Calculate profit, loss, and percentage returns on stock trades
Buy vs Rent + Invest Simulator
Would you be richer buying a house or renting and investing the difference? Full month-by-month wealth simulation.
Home Loan EMI Calculator
EMI, year-by-year schedule, and what a prepayment saves either way
Mortgage Calculator
Calculate monthly payments and total interest on your mortgage
EPF Calculator
Calculate Employee Provident Fund corpus at retirement
RD Calculator
Calculate Recurring Deposit maturity with monthly deposits
Lumpsum Calculator
Calculate one-time investment returns based on expected CAGR
Position Size Calculator
Calculate optimal position size based on risk management
Gratuity Calculator
Calculate gratuity amount for salaried employees (Indian law)
EMI vs FD Calculator
Compare buying on EMI vs paying full amount and investing in FD
Personal Loan Calculator
Calculate EMI and total interest for personal loans
Car Loan Calculator
Calculate car loan EMI with down payment options
Credit Card Interest Calculator
Calculate credit card debt interest and payoff timeline
Profit Margin Calculator
Calculate gross profit, net profit, and markup percentage
Inflation-Adjusted Calculator
Calculate real returns considering inflation impact
HRA Exemption Calculator
Calculate HRA tax exemption under Section 10(13A)
Senior Citizen Savings Schemes
SCSS, POMIS, NSC, KVP and RBI bonds side by side
Rent Receipt Generator
Monthly rent receipts for your HRA claim, as a PDF
TDS Calculator
Calculate Tax Deducted at Source for various payments
Leave Encashment Calculator
Calculate leave encashment amount with tax implications
Education Loan Calculator
Calculate EMI with moratorium period for education loans
Child Education Expense Calculator
Complete education cost planning from primary school to post-graduation
Post-Tax Returns Calculator
Compare actual returns after tax for FD, equity, mutual funds, and more
Break-even Calculator
Calculate units and revenue needed to cover business costs
NPS Calculator
Calculate National Pension Scheme returns and retirement corpus
Home Loan Eligibility Calculator
Calculate maximum home loan amount based on income
Home Loan Overdraft Calculator
Overdraft-linked home loans such as SBI MaxGain: interest saved, money still withdrawable
Capital Gains Tax Calculator
Calculate LTCG and STCG tax for stocks, property, crypto
Income Tax Calculator
Old vs new regime, with rebate, surcharge and marginal relief
Tax Chat Assistant
Answers Indian income tax queries from verified current-year figures
Tax Saving Calculator
Maximize savings with 80C, 80D, NPS & other deductions
Goal-Based Investment Planner
Plan SIP/lumpsum for education, retirement, home & more
Risk Profile Assessment Quiz
Discover your investor risk profile with personalized recommendations
Loan Prepayment Calculator
Calculate interest saved with extra EMI or lumpsum payments
Dividend Yield Calculator
Calculate dividend yield percentage and annual dividend income
Dream Home Calculator
Calculate required SIP or lumpsum to buy your dream home
Stock Split/Bonus Calculator
Calculate adjusted price after stock splits or bonus issues
Portfolio CAGR/XIRR Calculator
Track portfolio growth rate with multiple transactions
Mutual Fund Return Analyzer
Compare two mutual funds side-by-side with CAGR and returns analysis
Presumptive Tax Calculator
Tax on deemed profit for small businesses and professionals (44AD, 44ADA)
Which ITR Form?
A few questions, and the return form that fits your income
Atal Pension Yojana Calculator
Monthly contribution for a guaranteed pension, by age at joining
Crypto (VDA) Tax Calculator
Tax and TDS on gains from crypto and other virtual digital assets
Mutual Fund Expense Ratio Calculator
What a higher expense ratio costs a SIP or lumpsum over the years
Home Loan Tax Benefit Calculator
Interest and principal deductions, self-occupied or let out, both regimes
Education Goal Calculator
Plan for future education costs with inflation-adjusted projections
Debt Consolidation Calculator
Compare multiple loans vs single consolidated loan savings
Business Loan Calculator
Calculate term loan EMI and working capital interest
SaaS Metrics Calculator
Calculate MRR, ARR, churn, LTV, CAC, and growth metrics
Equity Dilution Calculator
Calculate ownership percentage after funding rounds
Frequently Asked Questions
What financial calculators does BullTimes offer?
BullTimes offers 67 free financial calculators including SIP Calculator, EMI Calculator, FD Calculator, PPF Calculator, Tax Calculator, Retirement Calculator, GST Calculator, Home Loan Calculator, and many more investment and financial planning tools designed for Indian investors. Our tools cover investments, loans, taxes, retirement planning, and business calculations.
Are these financial calculators free to use?
Yes, every financial calculator on BullTimes are 100% free to use forever. There are no hidden charges, registration requirements, or premium tiers for the calculators. We believe in providing accessible financial planning tools to everyone in India.
How accurate are the calculations?
Our calculators use industry-standard formulas and are regularly updated to reflect current tax laws and regulations in India. The calculations are mathematically accurate based on the inputs provided. However, actual returns may vary based on market conditions. Please consult with a qualified financial advisor for personalized investment advice.
Which calculator should I use for retirement planning?
For retirement planning, we recommend using our Retirement Calculator, SIP Calculator, PPF Calculator, NPS Calculator, and EPF Calculator. These tools help you estimate how much you need to save, plan systematic investments, and understand the power of compounding for your retirement goals. You can also use our Goal-Based Investment Planner for comprehensive retirement planning.
Can I use these calculators on mobile devices?
Yes, all our financial calculators are fully responsive and optimized for mobile devices, tablets, and desktops. You can access them from any device with an internet browser, making it easy to plan your finances on the go.
Do I need to create an account to use the calculators?
No account or registration is required to use our financial calculators. Simply visit the calculator page, enter your values, and get instant results. We respect your privacy and don't store any of your calculation data.
Want to check a result by hand?
The formulas, conventions and sources behind these calculators are published, so you can verify any figure yourself.