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All planning tools

Free finance calculators for everyday decisions

Use all 35 calculators free without login, payment or daily limits. Review the formula, result breakdown, worked example and practical assumptions behind every answer.

EMI Calculator

Calculate monthly EMI, total interest and total repayment for any reducing-balance loan.

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Home Loan EMI Calculator

Estimate a home-loan EMI and the interest paid across the selected tenure.

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Car Loan Calculator

Calculate the financed amount and monthly EMI after a vehicle down payment.

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Personal Loan Calculator

Estimate the EMI and total borrowing cost of a personal loan.

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Business Loan Calculator

Plan the monthly repayment and total interest for business funding.

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Loan Eligibility Calculator

Estimate a loan amount from income, obligations, FOIR, interest rate and tenure.

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Loan Comparison Calculator

Compare two loan offers by EMI, total repayment and potential savings.

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Interest Calculator

Estimate compound interest and maturity value with a chosen compounding frequency.

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Simple Interest Calculator

Calculate interest when the original principal remains unchanged.

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Compound Interest Calculator

Calculate compound growth with yearly, quarterly or monthly compounding.

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SIP Calculator

Estimate a mutual-fund SIP corpus, invested amount and potential gains.

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Lumpsum Investment Calculator

Project the future value and estimated gain on a one-time investment.

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FD Calculator

Estimate fixed-deposit maturity and interest for a selected compounding frequency.

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RD Calculator

Estimate recurring-deposit maturity from monthly deposits and interest.

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PPF Calculator

Project a PPF corpus from annual contributions using an assumed annual rate.

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GST Calculator

Add GST to a taxable amount and see the CGST/SGST or IGST split.

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VAT Calculator

Add value-added tax to a net amount using the selected rate.

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Discount Calculator

Calculate discount value, final price and savings percentage.

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Profit Calculator

Calculate profit or loss from revenue and total cost.

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Profit Margin Calculator

Find profit amount, margin on selling price and markup on cost.

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ROI Calculator

Measure return on investment from initial cost and final value.

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CAGR Calculator

Calculate annualised growth between a beginning and ending value.

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Inflation Calculator

Estimate the future cost of today’s expense after inflation.

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Retirement Calculator

Estimate the corpus needed to fund inflation-adjusted retirement expenses.

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Salary Calculator

Calculate monthly gross salary from basic pay, HRA, allowances and bonus.

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Salary Hike Calculator

Calculate raise amount and percentage between old and new salary.

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Gratuity Calculator

Estimate gratuity using last-drawn eligible monthly wages and service years.

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Break-even Calculator

Find the units and sales value needed to cover fixed and variable costs.

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Future Value Calculator

Calculate how a present amount may grow at a fixed annual rate.

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Present Value Calculator

Discount a future amount back to its value today.

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GST Inclusive/Exclusive Calculator

Extract GST and taxable value from a tax-inclusive price.

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HRA Calculator

Estimate exempt and taxable HRA using the standard least-of-three method.

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TDS Calculator

Estimate annual and monthly income-tax deduction under an Indian tax regime.

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PF Calculator

Estimate monthly employee and employer provident-fund contributions.

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Take-home Salary Calculator

Estimate net monthly salary after PF, TDS and other deductions.

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How to use these tools

Turn a financial question into a traceable estimate

Begin with current information

Use the latest loan offer, statement, payslip, invoice or product document. Record the date because rates, tax rules and eligibility can change.

Check whether each amount is monthly or annual and whether a rate is nominal, effective, fixed or floating.

Compare the same assumptions

Keep principal, tenure, rate basis, payment timing, fees and taxes consistent when comparing options.

A smaller EMI, higher projected return or larger discount should be reviewed alongside total cost and risk.

Test more than one scenario

Future returns and inflation are uncertain. Try conservative, expected and optimistic assumptions.

For borrowing, check whether the EMI remains affordable if income falls or a floating rate rises.

Verify regulated results

GST, HRA, TDS, PF and gratuity depend on current official rules and individual facts.

Use these tools for education, then confirm filings, investments and contracts with the relevant institution or qualified professional.