SensexIQ has 54 free calculators — broader than ClearTax, BankBazaar, or any single Indian finance site. This guide walks through how to use them efficiently + the workflow tricks that turn them from one-off lookups into recurring planning tools.
The 8 categories
- Invest (6): SIP, Step-up SIP, Lumpsum, Goal SIP, SWP, MF Returns, STP
- Returns (6): CAGR, Return, Compound, Simple, Inflation, XIRR
- Loans (8): EMI, Home Loan, Car Loan, Personal Loan, Education Loan, Loan Eligibility, Prepayment Saver, Balance Transfer
- Deposits (10): FD, RD, PPF, EPF, NPS, APY, SSY, NSC, SCSS, MIS, ELSS, KVP
- Goals (3): Retirement, FIRE Corpus, Term Insurance Cover
- Salary (4): Salary in-hand, HRA, Gratuity, TDS, Leave Encashment
- Tax (3): Income Tax, Capital Gains, GST, Advance Tax
- Trading (8): Brokerage, Stock Average, Margin, Position Sizing, Risk/Reward, Dividend Yield, P/E Fair Value, DCF Lite
Step 1 — Open hub
Navigate to /calculators. Left sidebar lists all 54 calculators grouped by category. Each shows a one-line description.
Step 2 — Pick a calculator
For first-time users, start with these 6 most-used:
- SIP (project monthly investment growth)
- EMI (home loan, car loan calculator)
- Income Tax (FY26 calculator)
- PPF (15-year EEE compounding)
- Goal SIP (reverse-solve required monthly SIP for target)
- Brokerage (true cost of equity trades)
Step 3 — Plug inputs
Each input field has a tooltip — hover the question mark for explanation. Defaults are set to common Indian scenarios (e.g., SIP defaults: ₹25k/mo at 12% for 15 years).
Step 4 — Read outputs
Every calc shows:
- Headline number (e.g., final corpus, EMI, tax)
- Secondary metrics (invested vs gain, total interest, etc.)
- Visual chart (Donut for ratios, StackedBar for breakdowns, LineChart for time-series)
- Educational note (formula, tax treatment, common mistakes)
Step 5 — Share or compare
Share via URL
Every input is encoded in URL. Copy the URL after configuring inputs — anyone opening that link sees your exact scenario. Useful for advisor / family discussions.
Compare mode
Click “Compare” button — opens side-by-side B scenario. Adjust inputs on each side independently. See how a 10% vs 12% return changes corpus over 20 years. Or how 8% vs 9% home loan rate changes total interest.
The 6 calculators worth bookmarking
1. SIP calculator
For monthly investment projections. Default for any equity SIP planning.
2. Goal SIP calculator
Reverse-solves. “I want ₹1 cr in 15 years” → tells you required monthly SIP at chosen return rate.
3. Home Loan EMI calculator
EMI + total interest + amortisation chart. Includes prepayment scenario via Prepayment Saver.
4. Income Tax calculator
FY26 slabs both regimes. Compare old vs new in 2 clicks.
5. Brokerage calculator
True post-cost return on equity trades. Picks broker rates (Zerodha/Upstox/etc).
6. Retirement calculator
The big one. Accounts for inflation + post-retirement years + post-ret return. Set + iterate annually.
Per-calculator deep dive pages
Each calculator has a /calculators/[slug] SEO page with:
- Full educational text (formula explained)
- FAQs (5-8 per calc)
- Related calcs + screener cross-links
- Common mistakes section
Example: /calculators/sip has full SIP guide; /calculators/emi has full EMI guide.
Common mistakes
- Using default assumptions blindly. Always adjust return rate to your conservative case.
- Ignoring inflation. Goal calcs should use inflation-adjusted target (use Inflation calculator first).
- Not bookmarking shared URLs. Re-doing the same calc 5 times = waste.
- Skipping the educational note. Full guide on each /calculators/[slug] page is > the calculator itself.
Combine calcs with learn articles for context. SIP calc + SIP vs Lumpsum article = full decision toolkit.