fino.tools
Free · No signup · 2026 tax rules

Financial calculators
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Free online calculators for EMI, SIP, income tax, FD, PPF, retirement and 76 more — for India, USA, Canada, Singapore, UK, and Australia. No signup required.

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EMI Calculator

Home, car & personal loans

SIP Calculator

Mutual fund return estimator

FD Calculator

Fixed deposit maturity

PPF Calculator

Public provident fund returns

Income Tax

Old vs new regime comparison

GST Calculator

Add or remove GST

Home Loan

Mortgage EMI & amortization

Car Loan

Auto finance planner

Personal Loan

Unsecured loan EMI

RD Calculator

Recurring deposit returns

Lumpsum

One-time investment growth

Inflation

Purchasing power over time

Retirement Corpus

How much to retire on

Capital Gains

Tax on investment profit

Loan Against Property

LAP EMI calculator

EMI vs SIP

Loan vs investment comparison

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What is fino.tools?

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fino.tools is a free financial calculator platform built for everyday financial decisions. Whether you are calculating your home loan or car loan EMI, planning a monthly SIP investment, estimating your income tax liability under the old vs new regime, or checking your FD maturity amount — fino.tools gives you an instant, accurate answer.

For Indian users, we cover PPF, RD, GST, capital gains tax, lumpsum investment returns, and retirement corpus planning. For US-based users, our RSU tax withholding calculator, quarterly estimated tax calculator, Backdoor Roth IRA calculator, and ESPP tax calculator are updated for 2026 IRS rules.

Canadian users can use our RRSP vs TFSA optimizer, TFSA contribution room tracker, FHSA calculator, and land transfer tax calculator. For Singapore, we have CPF allocation, ABSD stamp duty, SRS tax savings, and Medishield Life premium calculators — all updated for 2026 CPF and MAS rules.

UK users can calculate PAYE income tax and National Insurance, stamp duty (SDLT), IR35 inside vs outside, and ISA returns. Australian users can use our Australia income tax calculator, superannuation projector, negative gearing calculator, and CGT calculator. We also have global tools including the FIRE calculator, compound interest calculator, and debt payoff planner.

Frequently asked questions

Common questions about our financial calculators

What is an EMI calculator and how does it work?+
An EMI (Equated Monthly Installment) calculator computes your fixed monthly loan repayment using the formula EMI = [P × r × (1+r)^n] ÷ [(1+r)^n − 1], where P is the loan principal, r is the monthly interest rate, and n is the tenure in months. It instantly shows your monthly EMI, total interest payable, and complete amortization schedule.
How do I calculate SIP returns online?+
Our free SIP calculator estimates mutual fund returns using the compound interest formula FV = P × [((1 + r)^n − 1) / r] × (1 + r). Enter your monthly SIP amount, expected annual return rate, and investment duration. The calculator shows your total invested amount, estimated returns, and final corpus — including step-up SIP projections.
Which income tax regime is better — old or new for 2026?+
Whether the old or new income tax regime is better depends on your deductions. The new regime (2026) offers lower slab rates but no HRA, 80C, or 80D deductions. The old regime allows deductions that can reduce taxable income significantly. Use our free Income Tax Calculator 2026 to compare both regimes side by side based on your salary and deductions.
What is TFSA contribution room for 2026 in Canada?+
The cumulative TFSA contribution room for 2026 is $102,000 for Canadians who were 18 or older in 2009. The annual limit for 2026 is $7,000. Use our free TFSA Room Tracker to calculate your exact available room based on your birth year, contribution history, and any withdrawals.
How is capital gains tax calculated in India?+
Capital gains tax in India depends on the asset type and holding period. Short-term capital gains (STCG) on equity are taxed at 20%, while long-term capital gains (LTCG) above ₹1.25 lakh are taxed at 12.5% without indexation. For debt funds and property, different rates apply based on holding period. Our Capital Gains Tax Calculator handles all asset types.
How do I calculate RSU tax withholding in the USA?+
RSU (Restricted Stock Unit) income is taxed as ordinary income in the year of vesting. Your employer withholds federal income tax (up to 37%), Social Security (6.2% up to wage base), Medicare (1.45%), and state tax. Our free RSU Tax Withholding Calculator shows your gross RSU value, total tax withheld, and net payout — updated for 2026 IRS rules.
What is the CPF contribution rate for 2026 in Singapore?+
CPF contribution rates for 2026 depend on age. Employees below 55 contribute 20% (employee) + 17% (employer) = 37% of ordinary wages, up to the $7,400/month ceiling. Rates decrease for ages 55–70. Our free CPF Allocation Calculator computes your exact OA, SA, and MA split for any age group.
Are all calculators on fino.tools free?+
Yes — every calculator on fino.tools is completely free, forever. No account creation, no subscription, no credit card required. All 82 financial calculators for India, USA, Canada, Singapore, UK, Australia, and global use are free with instant results.
01

Instant results

Numbers update as you type. No submit button, no page reload.

02

Always accurate

Reflects 2026 tax laws — IRS, CRA, CPF, and Indian IT rules.

03

Permanently free

No account, no paywall, no credit card. Every tool, always free.

Financial guides & insights

Understand the math behind every calculator — SIP, EMI, tax planning, and more. Explained simply.

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