CALQUBE INDIA

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Understand your EMI, investment, salary, tax and GST numbers before making an important financial decision.

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Home Loan Calculator

Calculate your monthly home loan EMI instantly.

Monthly EMI ₹0
Loan Amount ₹0
Total Interest ₹0
Total Repayment ₹0
Principal Interest

Demo interest rate: 7%. Actual bank rates may vary.

Parallel Investment (SIP)

Make your home loan effectively interest-free by investing simultaneously

Equity mutual funds in India have averaged 11-14% over long horizons. We default to 12% (conservative, realistic).

💡 How Parallel Investment Works

The idea is simple: Pay your home-loan EMI as usual and simultaneously invest a calculated amount through SIP. Over the loan tenure, your SIP corpus can help offset the cost of your home loan.

✓ Build wealth while paying your EMI
✓ Use SIP returns to offset loan interest
✓ Compare different offset strategies
Total Offset: Build a SIP corpus targeted toward the total home-loan repayment.
Required Monthly SIP ₹0
Amount Invested (months) ₹0
Amount Earned (returns) ₹0
Total SIP Value at Year 20 ₹0
Combined Monthly Outflow ₹0
💡 What this means

Your SIP calculation will appear here.

SIP Calculator

Estimate your investment growth and potential profit over time.

Total Value ₹0
Invested Amount ₹0
Profit ₹0

Investment Summary

Breakdown of your total SIP value between investment and profit.

Invested ₹0 0%
Profit ₹0 0%

Year-wise Investment Summary

See how your investment and estimated return grow each year.

Year Total Investment Est. Return

CTC Calculator (Cost to Company to In-Hand)

Convert your annual CTC into estimated gross salary and monthly take-home pay.

Enter CTC Package Details

Default: 50% of CTC

Default: 0%. Increase this only when your employer provides NPS as part of CTC.

Tax is estimated using the selected regime. Actual take-home salary can vary based on allowances, exemptions, deductions, location and employer payroll rules.

NET MONTHLY IN-HAND TAKE-HOME
₹0
Annual In-Hand: ₹0
Gross Monthly Salary ₹0 ₹0 / year
Income Tax (TDS) ₹0 Annual tax after applicable rebate
Employee EPF -₹0/mo
Professional Tax -₹0/mo
Income Tax / TDS -₹0/mo
Employer Benefits & Retirals ₹0/mo

Monthly & Annual CTC Breakup Schedule

See exactly how your CTC is distributed across salary, employer benefits and employee deductions.

Cost Component Category Monthly (₹) Annual (₹)

Income Tax Calculator (FY 2026-27)

Calculate your income tax, taxable income and estimated monthly in-hand salary under the selected tax regime.

Gross Annual Income (₹)
QUICK INCOME PRESETS
✓ Standard Deduction: ₹75,000
Auto-Applied

Yearly NPS Contribution: ₹0 (Max based on eligible salary limit)

Basic Salary (50% of Gross Income): ₹7,05,000 / yr ₹58,750 / mo
TAX REGIME
New regime is the default. Tax calculations are estimates and should be verified against your actual salary structure, exemptions and deductions.
FY 2026-27 NEW TAX REGIME
0% Effective Tax Rate
TOTAL INCOME TAX PAYABLE
₹0
Effective Tax Rate: 0% on gross income of ₹0
In-Hand Salary (Monthly) ₹0
In-Hand Salary (Yearly) ₹0
Taxable Income ₹0
Standard Deduction ₹75,000
Employer NPS Deduction ₹0
Tax = taxable income × applicable slabs + 4% Health & Education Cess.

💵 New Regime Tax Calculation Summary

Gross Annual Income: ₹0
Basic Salary (50% of CTC): ₹0 / yr
Standard Deduction: −₹75,000
Employer NPS Deduction: −₹0 / yr
Taxable Income: ₹0
Income Tax (Before Cess): ₹0
Health & Education Cess (4%): ₹0
Total Income Tax Payable: ₹0
Monthly In-Hand Take-Home Salary: ₹0

📈 Slab-wise Tax Breakdown

ⓘ Section 87A Rebate Rebate information will appear here.

CTC & Take-Home Salary Distribution

Visual distribution of gross income across in-hand salary, income tax and deductions/NPS.

In-Hand Salary (0%)
₹0
Total Income Tax (0%)
₹0
Deductions & NPS (0%)
₹0

GST Calculator

Add or remove GST from a price.

Final Amount ₹0
GST Amount ₹0
Base Amount ₹0

🚗 Car Loan Calculator

Select your car and instantly estimate your finance.

Estimated On-road Price ₹0
Ex-showroom Price ₹0
Estimated RTO / Road Tax ₹0
Estimated Insurance ₹0
Other Charges ₹0

Estimated charges may vary by city, variant and registration rules.

Monthly EMI ₹0
Loan Amount ₹0
Total Interest ₹0
Total Repayment ₹0

Down Payment Comparison

Down Payment Loan EMI

🏍️ Bike Loan Calculator

Calculate your bike EMI based on the selected model.

Estimated On-road Price ₹0
Ex-showroom Price ₹0
Estimated RTO / Road Tax ₹0
Estimated Insurance ₹0
Other Charges ₹0

Estimated charges may vary by city, variant and registration rules.

Monthly EMI ₹0
Loan Amount ₹0
Total Interest ₹0
Total Repayment ₹0

Tenure Comparison

Tenure EMI Interest

📱 Mobile Loan Calculator

Calculate phone EMI, interest and total cash outflow.

Loan Amount ₹0
Processing Fee ₹0
Total Interest ₹0
Total Cash Outflow ₹0

Tenure Comparison

Tenure EMI Interest
SMART INSIGHTS

Your Numbers, Explained ✨

Don't just calculate. Understand what your number means.

✓
EMI CHECK

Your EMI is in control

Enter your loan details to see an instant insight.

₹
SAVE MORE

Reduce your interest

See how your loan tenure affects your total interest.

⇄
COMPARE

Compare & Decide

Compare different loan structures before choosing one.

↘
PREPAYMENT

See your savings

Find out how extra payments could reduce your interest burden.

AFFORDABILITY CHECK

Can I Afford This Loan?

Check the EMI against your income before taking the loan.

Home Loan Required ₹48,00,000
New Home EMI ₹41,663
Total EMIs / Month ₹56,663
EMI / Income 47.2% ⚠ A little stretched
How to read your result
Comfortable EMI

A lower EMI leaves more room for savings and everyday expenses.

Total monthly burden

Existing EMIs plus your new home EMI show your real monthly commitment.

Property budget

Use the estimate as a starting point, then confirm the loan in the Home Loan calculator.

COMPARE

Compare Scenarios

See what changes when you borrow less or finish the loan sooner.

OPTION A Current

Your current plan

Monthly EMI ₹0
Loan ₹0
Tenure 0 yrs
OPTION B Lower loan

10% lower loan

Monthly EMI ₹0
Loan ₹0
Tenure 0 yrs
OPTION C Faster payoff

Same loan, 5 yrs shorter

Monthly EMI ₹0
Loan ₹0
Tenure 0 yrs
Monthly EMI Lower is easier on your monthly cash flow
₹0 max
₹0
A
₹0
B
₹0
C
Total interest paid Lower means less money lost to interest
₹0 max
₹0
A
₹0
B
₹0
C
🔎 Change your Home Loan amount, rate or tenure to see the trade-off here.
FINANCIAL CHECK

How Financially Ready Are You?

Check your EMI burden, savings, investments and emergency fund in under a minute.

01 EMI burden
02 Savings rate
03 Investment habit
04 Emergency fund
Your score
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