58 calculators that show their working
Built for Indian tax law, Indian products and Indian number formats. Each one explains what the result means, not just what it is. Everything runs client-side — your income, loan and PAN details never leave your browser.
Loans
6 tools-
EMI Calculator
Monthly instalment, total interest and the full amortisation schedule for any loan.
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Loan Eligibility Calculator
How much a lender will actually sanction, based on your income and existing EMIs.
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Loan Prepayment Calculator
What a lump-sum prepayment or a higher EMI actually saves you.
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Balance Transfer Calculator
Whether moving your loan to a cheaper lender is worth the switching cost.
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Amortisation Schedule
Month-by-month split of every EMI into principal and interest.
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FOIR Calculator
The debt-to-income ratio lenders use to approve or reject you.
Investing
12 tools-
SIP Calculator
What a monthly SIP grows to, and how much of it is your money versus returns.
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Lumpsum Calculator
Growth of a one-time investment over time.
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Step-Up SIP Calculator
What happens when you raise your SIP every year in line with your salary.
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SWP Calculator
How long a corpus lasts if you withdraw a fixed amount every month.
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Goal SIP Calculator
The monthly SIP needed to reach a target amount by a target date.
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CAGR & Return Calculator
Annualised return between any two values — the only fair way to compare investments.
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PPF Calculator
PPF maturity value over the 15-year lock-in, at the current government rate.
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Sukanya Samriddhi Calculator
SSY maturity for a girl child — the highest guaranteed rate available in India.
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NPS Calculator
NPS corpus at 60, the compulsory annuity split and your monthly pension.
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EPF Calculator
Provident fund corpus at retirement, including the employer contribution.
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Inflation Calculator
What today’s money will actually be worth later.
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Asset Allocation Planner
A starting split across equity, debt and gold based on your age and risk appetite.
Banking
5 tools-
FD Calculator
Fixed deposit maturity with quarterly compounding, and the tax you will owe.
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RD Calculator
Recurring deposit maturity for a fixed monthly commitment.
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Compound Interest Calculator
Growth at any compounding frequency.
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Savings Goal Calculator
Monthly saving needed to hit a target by a date.
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TDS on FD Calculator
Whether your bank will deduct TDS, and how to stop it if you are below the limit.
Money
5 tools-
Emergency Fund Calculator
How large your safety net should be, and how long to build it.
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Budget Calculator
A 50/30/20 split of your income, checked against what you actually spend.
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Net Worth Calculator
Assets minus liabilities — the one number that measures financial progress.
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Debt Payoff Calculator
Avalanche versus snowball on your actual debts.
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Cost of Living Comparator
The salary you need in another city to keep the same standard of living.
Tax
9 tools-
Income Tax Calculator
Your tax under both regimes for the current financial year, side by side.
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Old vs New Regime Comparator
The exact deduction amount at which the old regime starts winning for your income.
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HRA Exemption Calculator
The lowest of three formulas decides your exemption. This works out which.
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Take-Home Salary Calculator
What actually lands in your account each month, from your CTC.
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Capital Gains Tax Calculator
Tax on equity, property, gold and debt — each has different rules.
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Advance Tax Calculator
Quarterly instalments and the interest you owe if you have missed one.
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Gratuity Calculator
What your employer owes you on exit, and how much of it is tax-free.
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GST Calculator
Add or strip GST at any slab, split into CGST and SGST.
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TDS Calculator
TDS on rent, professional fees, contracts, interest and commission.
Insurance
5 tools-
Term Insurance Cover Calculator
How much life cover your family actually needs — income replacement plus debts.
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Human Life Value Calculator
The economic value of your future earnings, discounted to today.
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Health Cover Calculator
Sum insured your family needs, adjusted for medical inflation and your city.
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IDV Calculator
Insured Declared Value of your vehicle — the maximum a total-loss claim will pay.
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No Claim Bonus Calculator
Your motor insurance discount for claim-free years — and what one small claim costs you.
Credit
6 tools-
Credit Card Reward Value Calculator
The real rupee return on a card, after the annual fee.
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Credit Card Interest Calculator
What revolving a balance actually costs at 3.5% a month.
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Credit Card EMI Calculator
The true cost of converting a purchase to EMI, including processing fee and GST.
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Card Balance Transfer Calculator
Whether moving card debt to a lower-rate card or a personal loan is worth it.
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Credit Utilisation Calculator
The single fastest lever on your credit score.
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Credit Score Simulator
Estimate how specific actions move your score.
Property
5 tools-
Stamp Duty Calculator
Stamp duty and registration charges by state, with the women-buyer concession.
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Home Affordability Calculator
The property price you can realistically afford, including all the costs beyond the loan.
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Rental Yield Calculator
Gross and net yield on a property — usually far lower than brokers suggest.
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Rent vs Buy Calculator
Which leaves you wealthier after N years — owning, or renting and investing the difference.
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Property Tax Estimator
Approximate annual municipal tax on a residential property.