FinnHub — Free Indian financial calculators with inflation and tax awareness
Plan your money with numbers you can trust.
FinnHub is a calm, calculator-first corner of the internet for Indian investors. Run SIP, lumpsum, goal, FIRE and delay scenarios in seconds — every result is adjusted for inflation and the latest LTCG tax slab, so what you see is what you actually keep.
Why FinnHub?
Four things every calculator on this site does for you, by default.
📈 Real returns, not fantasy
Inflation quietly eats 5–7% of your corpus every year. Every projection here shows both the headline number and the inflation-adjusted real value, so you stop planning in rupees that won't buy the same things in 20 years.
🧾 Post-tax corpus built in
Equity LTCG at 12.5% above ₹1.25 lakh applies to most mutual fund gains. Toggle it on and FinnHub shows what survives after the taxman — not the fantasy figure other calculators hand you.
🔒 Runs in your browser
No login. No database. No tracking of your numbers. The math happens in your device's JavaScript engine and is forgotten the moment you close the tab. Your financial life stays yours.
🎓 Math you can verify
Every formula is documented in plain English on its calculator page. If you want to rebuild the spreadsheet yourself, you can. FinnHub hides nothing — that's the whole point.
Pick a calculator
Five tools, each tuned for Indian investors in 2026.
SIP Calculator
Project monthly SIP corpus over 1–35 years with step-up, inflation and tax baked in.
Lumpsum Calculator
One-time investment growth with real-value adjustment for today's rupee.
Target Goal
Tell us the goal amount and the years — we'll tell you the monthly SIP you need.
FIRE Number
Find the corpus that buys your financial independence — and how many years away it is.
Cost of Delay
See, in hard rupees, what waiting 1, 3 or 5 years actually costs your future self.
What every calculator includes
No premium tier. No locked features. Everything below ships on every tool.
Step-up SIP
Model annual increases of 0–20% to mirror salary growth and ambition.
Visual breakdowns
Pie + bar charts and a year-by-year table for invested, returns, total, and real value.
India-first defaults
Default return, inflation and LTCG rates calibrated to the Indian context, not Wall Street.
Instant recalculation
Drag a slider, see the corpus update live. No submit button hunting required.