Home Loan EMI Calculator + Stress Score
Calculate your home loan EMI, total interest, and get a stress score based on your income and expenses. Includes "what-if" interest rate increase simulation.
Results
What if Interest Increases?
Payment Breakdown
Simple Explanation
Your EMI of ₹43,391 is 28.9% of your monthly income. Financial experts recommend keeping EMI below 40% of income. Your stress score of 64/100 indicates moderate financial pressure. Consider increasing your down payment or opting for a longer tenure to reduce EMI burden.
Personal Loan EMI Calculator + Shock Test
Calculate personal loan EMI, test against interest rate hikes, and see how long your savings would last if you lose income.
Results
Shock Test Results
Survival Analysis
Action Tips
1. Your EMI is 22.3% of your salary - within safe limits (should be below 40%)
2. With current savings, you can survive 9 months without income
3. If interest rates increase by 2%, EMI will rise by ₹1,526
4. Consider building emergency fund to 12 months of expenses
Car Loan EMI Calculator + Affordability Check
Calculate car loan EMI, check affordability based on your income, and get recommendations for your car purchase budget.
Results
Vehicle Details
Affordability Analysis
Recommendations
✓ AFFORDABLE: Your EMI is only 11.9% of income (safe limit is 15% for car loans)
✓ Down Payment: 20% is ideal - avoid zero down payment schemes
✓ Budget Suggestion: You can afford up to ₹12 lakh car
✓ Tip: Consider fuel, insurance & maintenance costs (₹5,000-8,000/month)
SIP Calculator — Best / Average / Worst Case
Calculate SIP returns in best, average, and worst case scenarios. Plan your investments with realistic expectations.
Results
Profit Analysis
Growth Comparison
Plain-language Summary
Investing ₹10,000/month for 15 years:
• Worst case (9%): ₹35.4 lakhs (₹17.4L profit)
• Average case (12%): ₹50.0 lakhs (₹32.0L profit)
• Best case (15%): ₹69.5 lakhs (₹51.5L profit)
Your money grows 2-4X through compounding. Start early for maximum benefit.
SWP Calculator — Retirement Income Planner
Calculate how long your retirement corpus will last with systematic withdrawals. Plan your retirement income safely.
Results
Risk Warning
⚠️ Market Risk: Returns may vary from expected 8%
⚠️ Inflation Risk: Purchasing power reduces over time
⚠️ Longevity Risk: You may live longer than expected
⚠️ Healthcare Costs: Medical expenses increase with age
Corpus Depletion Chart
Recommendations
✓ Safe Withdrawal Rate: 4% of corpus annually is safe
✓ Asset Allocation: 40% equity, 40% debt, 20% gold
✓ Emergency Buffer: Keep 2 years expenses in FD
✓ Healthcare: Ensure adequate medical insurance
✓ Review: Rebalance portfolio annually
Goal-Based SIP Calculator
Plan for specific financial goals like education, house, wedding, or travel. Calculate required SIP to achieve your goals.
Goal Analysis
Success Probability
Goal Roadmap
Action Plan
Goal: Child Education in 10 years
Action: Invest ₹36,450/month at 12% returns
Tips: 1. Increase SIP by 10% annually
2. Review portfolio every 6 months
3. Consider education loans as backup
4. Start international fund for diversification
"Can I Afford This?" Purchase Affordability Calculator
Check if you can afford a new purchase based on your income, expenses, and existing financial commitments.
Financial Analysis
Risk Assessment
Budget Breakdown
Suggested Next Steps
1. Reduce new EMI to ₹28,000 for safety
2. Build emergency fund to 9 months first
3. Consider delaying purchase by 6 months
4. Increase income or reduce other expenses
5. Avoid using savings for down payment
Financial Health Score Calculator (0–100)
Calculate your comprehensive financial health score and get personalized recommendations to improve your financial wellness.
Financial Health Report
3 Priority Fixes
1. Emergency Fund: Build to 9 months expenses
2. Debt Reduction: Lower EMI burden to 25%
3. Insurance: Get adequate life & health cover
Health Breakdown
Behavior Tips
✓ Automate Savings: Set up auto-debit for investments
✓ Track Expenses: Use budgeting apps monthly
✓ Review Insurance: Check coverage annually
✓ Debt Snowball: Pay smallest debts first
✓ Increase Income: Explore side hustles
✓ Financial Education: Read 1 finance book/quarter
Select Your Currency
Selecting your currency will update all monetary values across all calculators to display in your preferred currency.
Select Your Country for Tax & Retirement Calculations
Selecting your country will customize tax calculations, retirement plans, and investment options specific to your region.
FinWise Financial Calculator Suite • 16 Interactive Tools • Real-time Analysis
Disclaimer: These calculators provide estimates for educational purposes only. Actual loan terms, interest rates, and investment returns may vary. Consult with a qualified financial advisor before making any financial decisions.
Your data is never stored or transmitted • 100% offline calculations • Privacy-focused
