12 free calculators covering every aspect of personal finance — from your first SIP to retirement planning. No ads, no login, no fluff.
BilFina is a free, browser-based financial calculator suite built specifically for Indian investors and taxpayers. Every calculator is designed around Indian financial products — SIP, PPF, LTCG tax, GST, FD rates — not generic global tools that barely account for the Indian tax system.
We believe every Indian should have access to clear, accurate financial tools without being forced to register, pay, or sit through ads. All calculations run entirely in your browser — we never see your numbers.
Each tool is designed to give you instant, accurate results with clear explanations of what each number means.
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly in mutual funds. Instead of timing the market with a lump sum, SIP lets you invest ₹500 to ₹1 lakh monthly, buying more units when prices fall (rupee cost averaging). Over 15–20 years at a 12% CAGR, even ₹5,000/month grows to over ₹50 lakhs.
Our SIP calculator also supports step-up SIP — where you increase your contribution by a fixed percentage each year (typically 10–15%). A ₹5,000/month SIP with 10% annual step-up generates 2.3x more wealth over 20 years than a flat SIP.
All three qualify for Section 80C deduction up to ₹1.5 lakh/year. PPF offers 7.1% tax-free returns with a 15-year lock-in — ideal for risk-averse long-term investors. FD returns are taxable, reducing effective yield. ELSS mutual funds have a 3-year lock-in but can deliver 12–15% CAGR, though with market risk.
For most salaried individuals, the optimal strategy is to max PPF (₹1.5L), use ELSS for higher returns, and use our PPF and Tax calculators together to model the exact tax savings.
From FY 2024-25, the new tax regime is the default. It offers a standard deduction of ₹75,000 and a rebate under Section 87A making income up to ₹7 lakh tax-free. The slabs are: 0% up to ₹3L, 5% up to ₹7L, 10% up to ₹10L, 15% up to ₹12L, 20% up to ₹15L, and 30% above ₹15L.
The old regime makes sense if your total deductions (80C + HRA + 80D + NPS + home loan interest) exceed ₹3.75 lakh. Use our Income Tax calculator to compare both regimes with your exact numbers.
Enter your loan amount (e.g., ₹50 lakh), the bank's annual interest rate (typically 8.5–9.5% for home loans in 2025), and your preferred tenure (15–30 years). The EMI calculator instantly shows your monthly outflow, total interest cost, and a year-by-year amortisation schedule.
Key insight: on a ₹50L home loan at 9% for 20 years, you pay ₹54.8 lakhs as total interest — more than the principal itself. Prepaying even ₹1 lakh/year can cut your tenure by 4 years and save over ₹10 lakhs.
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hello@bilkulstudios.comDisclaimer: All calculations on BilFina are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard financial formulas. They do not constitute financial, investment, or tax advice. Actual returns will vary. Always consult a SEBI-registered financial advisor or CA before making investment or tax decisions. BilFina is not affiliated with SEBI, AMFI, or any financial institution.