HeroZero HeroZero

Practical calculators for smarter financial choices

Fast, transparent tools for affordability checks, SIP planning, return measurement, tax estimation and portfolio maintenance — built for clarity and everyday usability.

Calculators

All HeroZero financial tools in one place.

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Car Affordability

Estimate EMI & total running ownership cost.

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Bike / Scooter Affordability

Estimate EMI and running cost for two-wheelers.

House Affordability

Estimate mortgage EMI and total interest for property purchases.

Mobile Affordability

Assess phone EMI or lump‑sum feasibility.

Stock Average Price

Calculate weighted average share cost.

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SIP Calculator

Project wealth from monthly SIP schedule.

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SIP Goal Planner

Find monthly SIP needed for a target.

Lumpsum Return

Estimate growth of a single investment.

SIP vs Lumpsum

Compare periodic vs upfront investing.

XIRR (Cashflows)

Calculate annualised IRR for cashflows.

Capital Gains Estimator

Estimate STCG / LTCG tax impact quickly.

Portfolio Rebalancer

Compute trades to reach target allocation.

Expense Ratio Impact

Compare long‑term fee drag across plans.

SIP Top-up Planner

Model annual SIP top‑ups on growth.

SIP Step-up

Simulate fixed % annual SIP increases.

SWP / Withdrawal

Estimate corpus life under withdrawals.

MF Switch / Exit

Estimate tax on switching / exiting funds.

MF Direct vs Regular

Compare corpus impact of direct vs regular.

Income Tax Calculator

Estimate tax under old & new regimes for FY 2025-26.

PPF Calculator

Project PPF maturity with contributions & interest.

FD Calculator

Calculate fixed deposit maturity & interest.

RD Calculator

Project recurring deposit maturity and returns.

NPS Calculator

Estimate retirement corpus from NPS contributions.

HRA Calculator

Calculate HRA exemption and tax impact from rent & salary.

Gratuity Calculator

Estimate gratuity payout based on tenure & salary.

EPF Interest Calculator

Estimate EPF interest accrual over time.

EMI Prepayment Calculator

Model EMI prepayment impact on loan term & interest.