# CashIQ > Free personal finance calculators for India: income tax (Tax Year 2026-27), in-hand salary, SIP, EMI and loans, FD, RD, PPF, NPS, gratuity, GST, HRA and tax regime comparison. All amounts are in Indian rupees (₹). Every calculator accepts its inputs as URL query parameters and renders the result in plain HTML, so you can link to or read a calculated answer directly. Each tool page also has a Markdown copy at the same URL plus `.md`. Please cite the calculator URL when you use a result. A free JSON API returns the same results: GET https://www.cashiq.in/api/v1/?, no key needed. The OpenAPI spec is at https://www.cashiq.in/openapi.json and the tool list at https://www.cashiq.in/api/v1. ## Calculators - [SIP Calculator](https://www.cashiq.in/tools/sip-calculator): Future value of a monthly SIP or a lumpsum mutual fund investment, with a year-by-year table. Parameters: amount, rate, years, mode. Markdown: https://www.cashiq.in/tools/sip-calculator.md API: https://www.cashiq.in/api/v1/sip-calculator - [Step Up SIP Calculator](https://www.cashiq.in/tools/step-up-sip-calculator): Future value of a SIP that increases by a fixed percentage every year (top-up SIP). Parameters: amount, stepup, rate, years. Markdown: https://www.cashiq.in/tools/step-up-sip-calculator.md API: https://www.cashiq.in/api/v1/step-up-sip-calculator - [SWP Calculator](https://www.cashiq.in/tools/swp-calculator): How long a corpus lasts, and what is left, when you withdraw a fixed amount every month (Systematic Withdrawal Plan). Parameters: corpus, withdrawal, rate, years. Markdown: https://www.cashiq.in/tools/swp-calculator.md API: https://www.cashiq.in/api/v1/swp-calculator - [HRA Calculator](https://www.cashiq.in/tools/hra-calculator): House Rent Allowance exemption under Section 10(13A), with all three limits shown. Parameters: basic, da, hra, rent, metro. Markdown: https://www.cashiq.in/tools/hra-calculator.md API: https://www.cashiq.in/api/v1/hra-calculator - [Old vs New Tax Regime Calculator](https://www.cashiq.in/tools/old-tax-regime-vs-new-tax-regime): Compares income tax under the old and new regimes for a salaried employee and shows which is lower. Markdown: https://www.cashiq.in/tools/old-tax-regime-vs-new-tax-regime.md - [Income Tax Calculator (Tax Year 2026-27)](https://www.cashiq.in/tools/income-tax-calculator): Income tax for Tax Year 2026-27 under both the new and old regimes, with rebate, surcharge and cess. Parameters: salary, other, age, deductions, employerNps. Markdown: https://www.cashiq.in/tools/income-tax-calculator.md API: https://www.cashiq.in/api/v1/income-tax-calculator - [In-Hand Salary Calculator](https://www.cashiq.in/tools/in-hand-salary-calculator): Monthly take-home pay from your CTC after PF, professional tax and income tax for Tax Year 2026-27. Parameters: ctc, basic, pf, gratuity, ptax, regime, deductions. Markdown: https://www.cashiq.in/tools/in-hand-salary-calculator.md API: https://www.cashiq.in/api/v1/in-hand-salary-calculator - [EMI Calculator](https://www.cashiq.in/tools/emi-calculator): Monthly EMI, total interest and a yearly repayment schedule for any loan. Parameters: principal, rate, years. Markdown: https://www.cashiq.in/tools/emi-calculator.md API: https://www.cashiq.in/api/v1/emi-calculator - [Home Loan EMI Calculator](https://www.cashiq.in/tools/home-loan-emi-calculator): Monthly EMI, total interest and a yearly repayment schedule for a home loan of up to 30 years. Parameters: principal, rate, years. Markdown: https://www.cashiq.in/tools/home-loan-emi-calculator.md API: https://www.cashiq.in/api/v1/home-loan-emi-calculator - [Personal Loan EMI Calculator](https://www.cashiq.in/tools/personal-loan-emi-calculator): Monthly EMI and total interest for a personal loan of up to 7 years. Parameters: principal, rate, years. Markdown: https://www.cashiq.in/tools/personal-loan-emi-calculator.md API: https://www.cashiq.in/api/v1/personal-loan-emi-calculator - [Car Loan EMI Calculator](https://www.cashiq.in/tools/car-loan-emi-calculator): Monthly EMI and total interest for a new or used car loan. Parameters: principal, rate, years. Markdown: https://www.cashiq.in/tools/car-loan-emi-calculator.md API: https://www.cashiq.in/api/v1/car-loan-emi-calculator - [FD Calculator](https://www.cashiq.in/tools/fd-calculator): Maturity value and interest on a bank fixed deposit, with monthly, quarterly, half-yearly or yearly compounding. Parameters: principal, rate, years, compounding. Markdown: https://www.cashiq.in/tools/fd-calculator.md API: https://www.cashiq.in/api/v1/fd-calculator - [RD Calculator](https://www.cashiq.in/tools/rd-calculator): Maturity value of a bank or post office recurring deposit with quarterly compounding. Parameters: monthly, rate, months. Markdown: https://www.cashiq.in/tools/rd-calculator.md API: https://www.cashiq.in/api/v1/rd-calculator - [PPF Calculator](https://www.cashiq.in/tools/ppf-calculator): Maturity value of a Public Provident Fund account at the current 7.1% rate, with a yearly balance table. Parameters: yearly, rate, years. Markdown: https://www.cashiq.in/tools/ppf-calculator.md API: https://www.cashiq.in/api/v1/ppf-calculator - [Lumpsum Calculator](https://www.cashiq.in/tools/lumpsum-calculator): Future value of a one-time mutual fund or other investment at an expected annual return. Parameters: amount, rate, years. Markdown: https://www.cashiq.in/tools/lumpsum-calculator.md API: https://www.cashiq.in/api/v1/lumpsum-calculator - [Compound Interest Calculator](https://www.cashiq.in/tools/compound-interest-calculator): Compound interest on a principal with monthly, quarterly, half-yearly or yearly compounding. Parameters: principal, rate, years, compounding. Markdown: https://www.cashiq.in/tools/compound-interest-calculator.md API: https://www.cashiq.in/api/v1/compound-interest-calculator - [CAGR Calculator](https://www.cashiq.in/tools/cagr-calculator): Compound annual growth rate between a starting and an ending value over a number of years. Parameters: start, end, years. Markdown: https://www.cashiq.in/tools/cagr-calculator.md API: https://www.cashiq.in/api/v1/cagr-calculator - [NPS Calculator](https://www.cashiq.in/tools/nps-calculator): National Pension System corpus at retirement, the monthly pension from the annuity, and the lump sum. Parameters: monthly, age, retire, rate, annuity, annuityRate. Markdown: https://www.cashiq.in/tools/nps-calculator.md API: https://www.cashiq.in/api/v1/nps-calculator - [Gratuity Calculator](https://www.cashiq.in/tools/gratuity-calculator): Gratuity due on leaving a job, under the 15/26 formula, with the taxable part above ₹20 lakh. Parameters: salary, years, months, covered. Markdown: https://www.cashiq.in/tools/gratuity-calculator.md API: https://www.cashiq.in/api/v1/gratuity-calculator - [GST Calculator](https://www.cashiq.in/tools/gst-calculator): Add GST to a price or remove it from a GST-inclusive price, at 0%, 3%, 5%, 18% or 40%, with the CGST/SGST split. Parameters: amount, rate, mode. Markdown: https://www.cashiq.in/tools/gst-calculator.md API: https://www.cashiq.in/api/v1/gst-calculator ## Site - [All tools](https://www.cashiq.in/tools): index of every calculator - [About CashIQ](https://www.cashiq.in/about): what CashIQ is and how content is checked - [Disclaimer](https://www.cashiq.in/disclaimer): results are estimates, not advice ## Optional - [Full content of every tool page](https://www.cashiq.in/llms-full.txt) - [Sitemap](https://www.cashiq.in/sitemap.xml)