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Every rupee, worked out.

Forty-five calculators, live rupee rates and plain-English guides for India. Ask in your own words and get the answer in rupees.

What do you want to work out?

Each calculator uses current Indian rules, shows its formula and gives you a chart, a year-by-year table and a link you can share.

All 45 calculators

Invest

SIP calculatorStep-up SIPLumpsumGoal SIPCost of delaySWPCAGR

Borrow

Home loan EMILoan eligibilityPrepayment savingsCar loan EMIPersonal loan EMICredit card interestRent or buy

Tax and salary

Income tax FY 2026-27CTC to take-homeHRA exemptionGratuityCapital gains taxGST

Save safely

Fixed depositPPF 7.1%Sukanya Samriddhi 8.2%Senior citizens scheme 8.2%NSC 7.7%Recurring deposit

Plan

RetirementNPS pensionEPF 8.25%FIRELife cover neededNet worth

Everyday

Gold jewellery price50/30/20 budgetPercentageDiscountRupees in wordsIFSC finder

Try one right here

Drag a slider and the answer, the chart and the lakh-and-crore figure update as you go.

Talk it through before you sign

Tell us what you are planning and the Rupya team will reply with a free, personalised next step. No sales calls unless you ask for one.

Get free advice

The rupee today

Mid-market rates for the currencies Indians send, spend and earn most, with 30-day movement.

All of today’s rates

Need a different pair? Use the rupee converter for 25 currencies, or look up gold, silver and crypto in rupees.

Understand it, then decide

Short guides written for Indian rules and products, dated whenever they change.

All guides
New vs old tax regime for FY 2026-27The break-even deduction level at each salary, worked out. SIP for beginnersHow monthly investing works and the mistakes that cost the most. Home loan prepaymentHow one early payment of ₹5 lakh saves about ₹17 lakh. PPF, SSY, SCSS, NSC and KVP comparedRates for October to December 2026 and who each scheme suits. Staying safe on UPIThe one rule that stops most scams, and what to do in the first hour. Sending money to IndiaCompare transfer services by rupees received, not by the fee.

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Ten questions on everyday money. Score seven or more and you are in the monthly prize draw.

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Common questions

What is Rupya.com?

A free, independent money toolkit for India and Indians abroad. “Rupya” is simply the everyday Hindi word for the rupee. Rupya is not a bank, lender, broker or adviser, and it does not sell financial products.

How accurate are the calculators?

They use the standard formulas printed on each page and the current published rules, such as the FY 2026-27 income tax slabs and the October to December 2026 small savings rates. Results are estimates: confirm important numbers with your bank, fund house or a qualified professional.

Where do the live rates come from?

Currency rates are mid-market reference rates from public data services, refreshed through the day. Gold and silver prices start from the international spot price and add India’s 15% import duty. Every rate page shows its source and update time.

Is my data stored?

Numbers you type into calculators stay in your browser. Saved results live only on your device. We receive information only when you choose to send a form. See the privacy policy.