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FreeFinance

Free · No sign-up · Built for India

Learn.Calculate.Practice.

Every number, with its working.

Every calculator shows its formula and the assumption behind the number — so you can check the working, not just read a result.

Explore calculatorsOpen the playground

Nothing to install. Calculations run in your browser.

12% A YEARMONTHLYYEARSGROWTH

₹48,79,121 — and 48% of it is money you never paid in.

₹21,000 a month at 12% a year. Returns are not guaranteed.

One site.Three ways in.

What you can rely on here

  • The formula is on the page.

    Every result can be checked step by step, with your own numbers.

  • Projections, labelled.

    A 12% return is an input you chose, never a promise we made.

  • Your numbers stay in your browser.

    No sign-up to calculate. An account exists only to save a calculation, and it is optional.

Common questions

The things worth knowing before you rely on anything here.

Yes. Every calculator, guide and quiz is free to use, and there is no paid tier. You do not need an account to use any of the tools — signing in only lets you save calculations and bookmarks. Quiz results are never stored, signed in or not.

No, and no calculator anywhere can guarantee a return. The rate used in a projection is a number you enter, and the result shows what would happen if that rate held for the whole period. Real market returns vary year to year and can be negative. Treat every figure as an illustration of the maths, not a forecast.

Nowhere. Calculators run entirely in your browser using JavaScript, so the amounts you type are never sent to a server. If you choose to save a calculation to your account, only then is it stored, and only against your own account.

No. FreeFinance is an educational project. It does not know your circumstances, goals, tax position or risk tolerance, and it does not recommend any specific investment or product. For advice about your own situation, speak to a SEBI-registered investment adviser.

It depends on the shape of your investment. Use CAGR when a single amount grew from one value to another over a known period. Use XIRR when money went in or out on several different dates, which is the usual case for a SIP with irregular additions. Using CAGR on irregular cashflows will give a number, but not a meaningful one.

The arithmetic is exact to roughly fifteen significant digits, and every formula has automated tests covering normal, zero, negative, decimal and extreme inputs. The uncertainty in any projection comes from the assumptions, not the maths — which is why each calculator lists the assumptions it makes and where the model stops being reliable.