Loans & EMI18
EMI Calculator
Loan Amount, Interest Rate → Monthly EMI, Principal, Total Interest
Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Home Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Car Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Personal Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Education Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Business Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Gold Loan Calculator
Loan Amount, Interest Rate → EMI, Principal, Interest
Debt Payoff Calculator
Current Balance, Interest Rate % p.a. → Months to Pay Off, Years to Pay Off, Total Interest
APR Calculator
Loan / Credit Amount, Fees / Charges → Approx APR %, Total Cost of Credit, Total Repayment
Home Loan Tax Benefit Calculator
Home Loan Interest (annual), Principal Repaid (annual) → 24(b) Interest Deduction, 80C Principal Deduction, Total Deduction
Lease Calculator
Asset Price, Down Payment → Monthly Lease Payment, Depreciation Part, Finance Part
Down Payment Calculator
Purchase Price, Down Payment % → Down Payment, Loan Amount
Affordability Calculator
Monthly Income, Monthly Expenses → Affordable EMI, Affordable Loan
Debt to Income Calculator
Monthly Debt Payments, Gross Monthly Income → DTI %, Status
Loan Comparison Calculator
Loan Amount, Loan A Rate % p.a. → Loan A EMI, Loan B EMI, Loan A Total
Prepayment Calculator
Outstanding Principal, Interest Rate % p.a. → EMI Before, EMI After Prepay, EMI Reduction
Balance Transfer Calculator
Outstanding Balance, Current Interest % p.a. → Transfer Fee, Interest if Stay, Interest after Transfer
Investing, SIP & Returns24
SIP Calculator
Monthly Investment, Expected Return → Total Invested, Est. Returns, Total Value
SWP Calculator
Total Investment (Corpus), Monthly Withdrawal → Total Withdrawn, Final Corpus, Interest Earned
FD Calculator
Principal, Interest Rate → Maturity / Total Received, Interest Earned, Periodic Payout (non-cumulative)
RD Calculator
Monthly Deposit, Interest Rate → Maturity Amount, Total Deposited, Interest Earned
PPF Calculator
Yearly Deposit, Interest Rate → Maturity Value, Total Invested, Interest Earned
NPS Calculator
Monthly Contribution, Expected Return → Total Corpus, Total Invested, Gains
Compound Interest Calculator
Principal, Monthly Deposit (optional) → Compound Interest, Total Amount, Total Deposits
CAGR Calculator
Beginning Value, Ending Value → CAGR %, Total Growth, Absolute Gain
Investment Calculator
Principal, Monthly Deposit (optional) → Compound Interest, Total Amount, Total Deposits
Mutual Fund Returns Calculator
Investment Type, Amount (₹ / month or lumpsum) → Total Invested, Estimated Gains, Maturity Value
Lumpsum Calculator
Principal, Monthly Deposit (optional) → Compound Interest, Total Amount, Total Deposits
Bond Yield Calculator
Face Value, Current Price → Current Yield %, Approx YTM %, Annual Coupon
Dividend Calculator
Number of Shares, Dividend / Share (yearly) → Dividend Income (year 1), Dividend Yield, Total Dividends Received
Stock Return Calculator
Buy Price / Share, Sell Price / Share → Total Gain, Absolute Return %, CAGR %
Gold SIP Calculator
Monthly Investment, Expected Return → Total Invested, Est. Returns, Total Value
ELSS Calculator
Monthly Investment, Expected Return → Total Invested, Est. Returns, Total Value
Inflation Adjusted Return Calculator
Nominal Return %, Inflation % → Real Return %, Nominal − Inflation
Real Return Calculator
Nominal Return %, Inflation % → Real Return %, Nominal − Inflation
Future Value Calculator
Principal, Monthly Deposit (optional) → Compound Interest, Total Amount, Total Deposits
Present Value Calculator
Cash Flow Type, Future Value → Present Value, Nominal Amount, Total Discount
Annuity Calculator
Annuity Corpus, Annuity Rate % p.a. → Monthly Pension, Yearly Pension, Total Payout
Wealth Calculator
Monthly Investment, Expected Return → Total Invested, Est. Returns, Total Value
NPV Calculator
Initial Investment, Annual Cash Flow → NPV, NPV ≥ 0?
IRR Calculator
Initial Investment, Annual Cash Flow → IRR %, NPV @ 10%
Retirement (US)8
Retirement Calculator
Monthly Contribution, Expected Return → Total Corpus, Total Invested, Gains
Pension Calculator
Annuity Corpus, Annuity Rate % p.a. → Monthly Pension, Yearly Pension, Total Payout
Social Security Calculator
Average Indexed Monthly Earnings, Claim Age → Est. Monthly Benefit, Est. Annual Benefit, Age Adjustment %
401k Calculator
Annual Salary, Your Contribution → Balance at Retirement, Your Contributions, Employer Match
IRA Calculator
Current Balance, Annual Contribution → Balance at Withdrawal, After-tax Value, Estimated Tax at Withdrawal
Roth IRA Calculator
Current Balance, Annual Contribution → Balance at Withdrawal, Tax-free Withdrawal Value, Tax Avoided vs Traditional IRA
Financial Independence Calculator
Annual Expenses, Safe Withdrawal Rate % → FIRE Number, Gap to FIRE, Years to FIRE
FIRE Calculator
Annual Expenses, Safe Withdrawal Rate % → FIRE Number, Gap to FIRE, Years to FIRE
Tax (India)15
EPF Calculator
Monthly Basic + DA, Employee Contribution % → EPF Corpus, Monthly Contribution, Total Contributed
Gratuity Calculator
Last Drawn Basic + DA (monthly), Years of Service → Gratuity Payable, Calculated (before cap), Tax-exempt Portion
HRA Calculator
Basic Salary (annual), HRA Received (annual) → HRA Exempt, Taxable HRA
Income Tax Calculator
Gross Annual Income, Age Category (Old Regime) → New Regime Total Tax, Old Regime Total Tax, New Taxable Income
GST Calculator
Amount, GST Rate → Base Amount, GST Amount, Total
Sales Tax Calculator
Amount, GST Rate → Base Amount, GST Amount, Total
Tax Saving Calculator
Gross Annual Income, Age Category (Old Regime) → New Regime Total Tax, Old Regime Total Tax, New Taxable Income
TDS Calculator
Payment Amount, TDS Rate % → Applied Rate %, TDS Amount, Net Payable
Advance Tax Calculator
Estimated Annual Tax Liability → By 15 Jun (15%), By 15 Sep (add to 45%), By 15 Dec (add to 75%)
Capital Gains Calculator
Gain Type, Asset Type → Capital Gain, Exemption, Taxable Gain
STCG Calculator
Asset Type, Purchase / Cost Value → Short-term Capital Gain, Tax Rate %, STCG Tax
LTCG Calculator
Asset Type, Purchase / Cost Value → Long-term Capital Gain, Exemption Applied, Taxable LTCG
Section 80C Calculator
Eligible 80C Investments, Marginal Tax Slab % → Deduction Claimable, Unused 80C Limit, Tax Saved (pre-cess)
Section 80D Calculator
Premium: Self / Family, Premium: Parents → 80D Deduction, Max Possible Limit, Tax Saved (pre-cess)
Bonus Tax Calculator
Annual Taxable Salary (ex-bonus), Bonus Amount → Extra Tax on Bonus, Net Bonus after Tax, Total Tax with Bonus
Salary & Paycheck10
Commission Calculator
Sales Amount, Commission % → Commission, After Commission
Salary Calculator
Annual CTC, Basic Salary → Monthly Take Home, Annual Take Home, Gross Monthly Salary
Overtime Calculator
Hourly Rate, Regular Hours (per period) → Overtime Pay, Regular Pay, Total Pay
Hourly to Salary Calculator
Hourly Wage, Hours / Week → Weekly, Monthly, Annual
Salary to Hourly Calculator
Annual Salary, Hours / Week → Hourly Rate, Monthly
Annual to Monthly Calculator
Annual Amount → Monthly, Weekly, Daily
Take Home Pay Calculator
Annual CTC, Basic Salary → Monthly Take Home, Annual Take Home, Gross Monthly Salary
Paycheck Calculator
Annual CTC, Basic Salary → Monthly Take Home, Annual Take Home, Gross Monthly Salary
Freelance Rate Calculator
Desired Annual Income, Billable Weeks / Year → Hourly Rate, Day Rate, Weekly Rate
Consulting Rate Calculator
Desired Annual Income, Billable Weeks / Year → Hourly Rate, Day Rate, Weekly Rate
Budgeting & Savings13
Inflation Calculator
Current Amount, Inflation Rate → Future Value Needed, Purchasing Power Loss
Savings Calculator
Principal, Monthly Deposit (optional) → Compound Interest, Total Amount, Total Deposits
Budget Planner
Monthly Income, Needs (50%) → Leftover, Ideal Needs (50%), Ideal Wants (30%)
Expense Tracker
Monthly Income, Needs (50%) → Leftover, Ideal Needs (50%), Ideal Wants (30%)
Net Worth Calculator
Total Assets, Total Liabilities → Net Worth
Cost of Living Calculator
Current Amount, Inflation Rate → Future Value Needed, Purchasing Power Loss
Emergency Fund Calculator
Monthly Expenses, Months Coverage → Emergency Fund Target, Still to Save, Months Covered Today
Savings Goal Calculator
Goal Amount, Already Saved → Amount Needed, Monthly Saving Required
College Savings Calculator
Monthly Investment, Expected Return → Total Invested, Est. Returns, Total Value
Wedding Budget Calculator
Monthly Income, Needs (50%) → Leftover, Ideal Needs (50%), Ideal Wants (30%)
Vacation Budget Calculator
Monthly Income, Needs (50%) → Leftover, Ideal Needs (50%), Ideal Wants (30%)
Tip Calculator
Bill Amount, Tip % → Tip Amount, Total, Per Person
Split Bill Calculator
Bill Amount, Tip % → Tip Amount, Total, Per Person
Business & Pricing18
Break-even Calculator
Fixed Costs, Price / Unit → Break-even Units, Break-even Revenue
Profit Margin Calculator
Cost, Revenue / Selling Price → Profit, Margin %, Markup %
Discount Calculator
Original Price, Discount → You Save, Final Price
ROI Calculator
Amount Invested, Amount Returned → Net Gain / Loss, ROI %, Money Multiple
Depreciation Calculator
Asset Cost, Salvage Value → Annual Depreciation, Total Depreciable
Markup Calculator
Cost, Revenue / Selling Price → Profit, Margin %, Markup %
Margin Calculator
Cost, Revenue / Selling Price → Profit, Margin %, Markup %
Working Capital Calculator
Current Assets, Current Liabilities → Working Capital, Current Ratio, Liquidity
Cash Flow Calculator
Cash Inflows, Cash Outflows → Net Cash Flow, Closing Cash, Status
Break Even Point Calculator
Fixed Costs, Price / Unit → Break-even Units, Break-even Revenue
Payback Period Calculator
Initial Investment, Annual Cash Flow → Simple Payback (years), Discounted Payback (years), NPV over Project Life
WACC Calculator
Equity Value (E), Debt Value (D) → WACC %, Equity Weight %, Debt Weight %
EBITDA Calculator
Revenue, Operating Expenses (ex D&A) → EBITDA, EBIT, EBITDA Margin %
Revenue Calculator
Price / Unit, Units Sold → Sales Revenue, Total Revenue
Cost Calculator
Units Produced, Fixed Costs → Total Cost, Cost / Unit, Total Variable Cost
Price Calculator
Original Price, Discount → You Save, Final Price
Invoice Calculator
Amount, GST Rate → Base Amount, GST Amount, Total
Profit and Loss Calculator
Revenue, Cost of Goods Sold → Gross Profit, Operating Profit, Net Profit / Loss
More finance tools10
VAT Calculator
Amount, GST Rate → Base Amount, GST Amount, Total
Simple Interest Calculator
Principal, Rate → Simple Interest, Total Amount
Currency Converter
Amount, From → Converted Amount, Exchange Rate, Live USD/INR
Currency Exchange Calculator
Amount, From → Converted Amount, Exchange Rate, Live USD/INR
APY Calculator
Nominal Rate % p.a., Compounds / Year → APY %, APY − Nominal
Rent vs Buy Calculator
Home Price, Down Payment % → Home Loan EMI, Buy Cash Outflow, Rent Cash Outflow
Credit Score Estimator
On-time Payment Score (0-100), Credit Utilization % → Estimated Score, Band
Credit Utilization Calculator
Card Balance, Credit Limit → Utilization %, Available Credit, Status
Minimum Payment Calculator
Card Balance, Annual Interest % → First Min Payment, Months to Clear, Years to Clear
Biweekly to Monthly Calculator
Biweekly Amount → Monthly, Annual
What the finance tools cover
The finance section is built around three families. Loan calculators (EMI, home loan, car loan, personal loan and the rest) all amortise on a reducing balance, which is how banks actually charge interest and why the first instalments are mostly interest. Investment calculators (SIP, compound interest, fixed deposit, CAGR) use the future-value identities that the products themselves are priced with. Tax tools (income tax, GST, HRA) follow the published slab and rate rules, with the Indian new-versus-old regime comparison built in.
Every page states the formula it uses and works one example from its default values, so you can check the arithmetic by hand. Fees, processing charges and lender rounding are not modelled unless there is a field for them, and rates are treated as fixed for the whole term. A floating-rate loan will drift from the schedule shown here.
Where to start
- Comparing two loan offers: run both through the loan calculator and compare total interest, not the monthly figure.
- Planning a monthly investment: the SIP calculator shows how much of the final corpus is your own money and how much is growth.
- Deciding between tax regimes: the income tax calculator computes both side by side from one set of inputs.
- Checking a quoted rate: the simple interest and compound interest pages make the flat-rate trick visible.
Nothing you enter leaves your browser. That matters more here than in most categories, because the inputs are your salary, debts and savings.