71 free tools

Money calculators

Plan investments, compare loans, check tax and salary figures, and see the working behind every answer.

By Nitin Raturi · Last reviewed 4 Nov 2026

Most of these tools follow Indian conventions: rupees, lakh and crore, Indian bank and scheme rules, and the current tax regime. A few cover US and Canadian products, and say so on the page.

Every money calculator lists its formula, its assumptions and the official sources it relies on. Results are estimates for planning, not advice on what to buy.

Investing 26

Growth of SIPs, lump sums and goals, plus return measures such as CAGR, IRR and XIRR.

SIP Calculator
See what a monthly SIP could grow to, the SIP a goal needs, or how long it may take, with every assumption shown and editable.
401(k) Calculator
Project a US 401(k) balance in USD with employee contributions and employer match.
Annuity Calculator
Find the present value and future value of equal payments, made at the start or end of each period.
Average Return Calculator
Compare the simple and compound (geometric) average of yearly returns, and see what they did to your money.
Bond Calculator
Price a bond from its coupon, maturity and yield, with current yield, duration and every cash flow shown.
Brokerage Calculator
Net profit or loss on an equity trade after brokerage, STT, exchange charges, SEBI fee, stamp duty and GST, with a dated charge table.
CAGR Calculator
Calculate annualised growth between two values or project a future value from an assumed CAGR.
College Cost Calculator
Estimate a course’s future fees year by year and the monthly saving that may cover them by the start date.
Compound Interest Calculator
Estimate compound growth from a starting amount and monthly deposits with selectable compounding.
Expense Ratio Impact Calculator
See how much a mutual fund’s yearly expense ratio can change your final value, year by year, on the same money.
FIRE Calculator
Find your FIRE number and how long your savings may take to reach it, with inflation and a withdrawal rate you choose.
Future Value Calculator
Grow starting money and equal deposits to one ending date, with explicit rates, payment timing and a cash-flow timeline.
Goal Planner
Plan monthly contributions for up to three goals, with separate timelines and a combined total.
Inflation Calculator
Project a future cost, compare a future amount with today’s money, or estimate real return.
Investment Calculator
Find the end amount, contribution, return rate or time for a plan with regular contributions.
IRR Calculator
Find the IRR, NPV and MIRR of evenly spaced cash flows, with a warning when more than one rate fits.
Lumpsum Calculator
Estimate what a one-time investment could become, compare the same amount invested monthly, and see an inflation-adjusted value.
Present Value Calculator
Find today’s equivalent of future receipts, with regular payments, a final lump sum and a discounted timeline.
Retirement Planner
Find the corpus you need to retire, whether your savings are on track and the extra monthly SIP that would close any gap.
RMD Calculator
Work out this year’s required minimum distribution from a traditional IRA with the IRS Uniform Lifetime Table, and project future years.
ROI Calculator
Calculate net profit, total ROI, an equivalent annual return and the sale amount needed to break even.
Roth IRA Calculator
Find your 2026 Roth IRA contribution limit after the income phase-out, and project what yearly contributions could grow to.
SIP vs Lumpsum Calculator
Compare one available budget invested immediately or monthly, including reserve interest and inflation.
Stock Average Calculator
Combine buy lots with costs, or solve the hypothetical next price needed for a target average.
SWP Calculator
Estimate how long regular withdrawals may last, with fixed or inflation-linked amounts and a clear return assumption.
XIRR Calculator
Estimate an annualised return from irregular dated investments and receipts, with the date rule shown.

Savings & Retirement Schemes 11

Maturity values for FDs, RDs and the post office and government savings schemes.

FD Calculator
Estimate fixed-deposit maturity and interest with clear cumulative-compounding and payout assumptions.
PPF Calculator
Estimate your PPF balance year by year, with the 5th-of-the-month rule, deposit timing and 5-year extensions.
KVP Calculator
See when a Kisan Vikas Patra doubles your money and what it pays at maturity.
NPS Calculator
Estimate your NPS corpus at retirement, then the lump sum and annuity pension the 2025 PFRDA exit rules allow.
NSC Calculator
See the maturity value and yearly interest of a National Savings Certificate.
Pension Calculator
Find the monthly income your retirement corpus can pay for a set number of years, rising each year with inflation.
Post Office MIS Calculator
See the monthly income from a Post Office Monthly Income Scheme deposit, the total over five years and the cost of closing early.
RD Calculator
Estimate recurring-deposit maturity with explicit deposit timing, quarterly compounding and a monthly ledger.
Savings Calculator
Illustrate how an opening balance and monthly deposits may grow under your assumptions.
SCSS Calculator
See the quarterly interest from a Senior Citizens Savings Scheme deposit, the total over the term and the cost of closing early.
SSY Calculator
Estimate a Sukanya Samriddhi balance at 21 years, with deposit timing, the 5th-of-the-month rule and a yearly table.

Loans 20

EMIs, schedules, prepayments, balance transfers and the true cost of a loan.

EMI Calculator
Estimate a fixed monthly loan payment, total interest and how the balance may change over time.
Home Loan Eligibility Calculator
Estimate the home loan your take-home income may support, after existing EMIs, at the rate and tenure you choose.
Amortization Calculator
See every loan payment split into principal and interest, and what extra payments save.
APR Calculator
Find a loan’s annual percentage rate after processing fees and other charges, the way RBI’s Key Facts Statement does.
Auto Lease Calculator
Work out a car lease payment from the capitalized cost, residual value and money factor, as the Federal Reserve’s leasing guide sets it out.
Canadian Mortgage Calculator
Work out a Canadian fixed-rate mortgage payment with half-yearly compounding, for monthly, bi-weekly, weekly and accelerated plans.
Car Loan Calculator
Work out your car loan EMI from the full on-road price, with your down payment, total interest and a monthly schedule.
Cash Back or Low Interest Calculator
Compare a cash discount plus a regular loan against a low-rate offer, with the break-even discount.
Credit Card Calculator
See how long a card balance takes to clear, what paying only the minimum due costs, and the payment that clears it by a date.
Debt Consolidation Calculator
See whether one new loan beats paying your cards and loans as now, in total cost and monthly outgo.
Debt Payoff Calculator
Plan how to clear several loans and cards with one monthly budget, by avalanche or snowball.
Debt Ratio Calculator
Read balance-sheet leverage, test retained borrowing proceeds and explore explicitly defined target ratios.
Education Loan Calculator
Estimate your education loan EMI after the moratorium, and see what paying or adding the moratorium interest does to it.
Flat vs Reducing Rate Calculator
Convert a flat loan rate to its payment-equivalent reducing rate and compare a separate reducing offer.
Interest Rate Calculator
Find the annual interest rate hidden in a loan or in growth, as nominal and effective rates.
Loan Balance Transfer Calculator
Check whether moving your loan to a lower rate saves money after every cost, and when the move pays for itself.
Loan Prepayment Calculator
Compare how a lump sum and extra monthly payments may change loan interest and payoff time.
Loan Tenure Calculator
Find how many monthly payments clear an outstanding loan, including the smaller final instalment.
Mortgage Calculator
Estimate your monthly home loan payment, total monthly cost and the interest an extra payment could save.
VA Mortgage Calculator
Work out the VA funding fee from VA’s rate chart and the monthly payment on a VA-backed home purchase loan.

Tax 3

GST, income tax under both regimes, and a GSTIN format check.

Income Tax Calculator (Old vs New Regime)
Compare your tax under the old and new regimes for 2026-27, step by step, and see the deductions at which the old regime breaks even.
GST Calculator
Add GST to a price or extract it from a total using the rate you enter, with a clear tax split.
GSTIN Format Validator
Check ordinary PAN-based GSTIN format and checksum locally, without claiming registration verification.

Salary & Income 3

Take-home pay from CTC, gratuity and the effect of a salary hike.

In-Hand Salary Calculator (CTC to Take-Home)
Turn your CTC breakup into monthly take-home pay after PF, professional tax and income tax for 2026-27.
Gratuity Calculator
Estimate gratuity under the new Labour Codes, with the 50% wage rule, fixed-term rules and the ₹20 lakh ceiling.
Salary Hike Calculator
Find your new salary or hike percentage, the monthly increase, and the real hike after inflation.

Real Estate 2

Renting against buying, and the yield a rental property earns.

Rent vs Buy Calculator
Compare your net worth from buying a home with a loan or renting and investing the difference, year by year.
Rental Yield Calculator
Work out gross and net rental yield on a property, after empty months, yearly costs and the cost of buying.

Business 6

Margins, break-even points, discounts, commission and depreciation.

Break-even Calculator
Find the units and sales you need to cover fixed costs, and the volume for a target profit.
Commission Calculator
Work out sales commission under flat, tiered or slab rates, with each band shown.
Depreciation Calculator
Build a depreciation schedule by straight line, double declining or written-down value.
Discount Calculator
Apply up to three percentage discounts and see the final price, total saving and combined discount.
Margin & Markup Calculator
Enter any two of cost, selling price, margin and markup to solve the rest, with margin and markup side by side.
Payback Period Calculator
Find how long a project takes to earn back its cost, simple and discounted.