Innovative Financial Simulators for Indian Investors
Inflation-adjusted, tax-aware calculators that show real returns. No signups, no tracking, no product pushing. All math runs in your browser.
A Closer Look at FinSim
Every calculator on this site uses NIFTY historical data (12% mean, 18% standard deviation), 6% inflation, and current Indian tax laws including LTCG at 12.5% above ₹1.25L. The math is transparent, the assumptions are stated, and every computation runs in your browser. Zero PII collected. Zero tracking. Zero product pushing.
Learn More →Our Services
SIP Simulator
See actual returns after inflation and tax. Real numbers, not marketing.
Open Calculator →EMI Analyzer
Compare loan EMIs with the real total cost you'll pay over the full tenure.
Open Calculator →Tax Sandbox
Old vs New regime side by side. Find which one actually saves you more.
Open Calculator →PPF Calculator
Real PPF maturity after inflation. EEE tax benefit included.
Open Calculator →Compound Interest
See how compound interest really grows your money after tax and inflation.
Open Calculator →HRA Calculator
How much HRA is tax-free? Calculate Section 10(13A) exemption instantly.
Open Calculator →Accumulator
Lump sum vs SIP — see which accumulation strategy wins after costs.
Open Calculator →FD Comparator
Your FD's real return after tax and inflation. Usually lower than you think.
Open Calculator →SWP Stress Test
Will your corpus survive a market crash? Simulate worst-case withdrawals.
Open Calculator →FIRE Matrix
Find out when you can actually retire. Month-by-month freedom timeline.
Open Calculator →CTC Optimizer
Maximize your in-hand salary. See where every rupee of your CTC goes.
Open Calculator →NPS Modeler
Project your pension and corpus. See what 80C savings really build.
Open Calculator →Goal Planner
Monthly SIP needed per goal. Know exactly what to invest and when.
Open Calculator →Step-Up SIP
See how an annual SIP increase boosts your corpus. Step-Up vs Regular compared.
Open Calculator →GST Calculator
Compute GST on any amount. CGST/SGST split for intra-state, IGST for inter-state.
Open Calculator →Simple Interest
Simple vs Compound interest side by side. See what compounding really costs you.
Open Calculator →EPF Calculator
Project your EPF corpus with employer split and annual interest compounding.
Open Calculator →Term Insurance
How much life cover do you actually need? HLV method with inflation and loans.
Open Calculator →Salary Calculator
CTC to in-hand salary. Full breakup — basic, HRA, PF, tax — old vs new regime.
Open Calculator →Why Choose FinSim
CUTTING-EDGE ACCURACY
Every simulator uses NIFTY historical data with real standard deviation — not cherry-picked averages that make returns look better than they are.
COST-EFFECTIVE INSIGHTS
Free forever. No premium tiers, no paywalled features. Every calculator gives you the full picture including tax drag and inflation erosion.
24/7 PRIVATE COMPUTATION
All math runs in your browser. No data leaves your device. No accounts, no tracking, no PII collected. Your finances stay yours.
Get the Latest from the Blog
All posts →Your SIP returns are a lie (and here's the real number)
A ₹1 crore SIP sounds great. After inflation and tax, it's worth less than half. Here are the actual numbers.
Budget 2026: What the new tax slabs mean for your take-home pay
The new regime just got more attractive. Here's exactly how much more you'll keep each month.