Finance Calculators
Calculators for loans, investments, interest and taxes. Each one shows the formula it uses so you can check the maths. Results are estimates for planning, not financial advice.
All 94 finance tools
Grouped by what they do.
Loans & EMI
10 toolsWhat a loan really costs, and how to pay it off.
- EMI Calculator Monthly instalment, total interest and a full repayment schedule.
- Loan Calculator Find the EMI, loan amount, tenure or rate — and see what prepaying saves.
- Credit Card Interest & Payoff Calculator Why the minimum due takes years — and what paying more saves.
- Debt Payoff Planner (Snowball vs Avalanche) Your debt-free date, the order to pay, and what each method saves.
- Mortgage Calculator (PITI) Your full monthly house payment, when PMI ends, and what extra payments save.
- Home Loan Eligibility Calculator How much you can borrow, and the property price it can buy under RBI’s rules.
Show all 10 Show fewer Loans & EMI tools
- Loan Agreement Generator A loan agreement with a correct repayment schedule and the legal checks that matter. Pro tool
- Promissory Note Generator A valid pro note with its receipt — and a refusal of notes the law does not allow. Pro tool
- Debt-to-Income & Credit Utilization Are you loan-ready? DTI, credit utilization and debt service coverage in one place.
- Car Lease Calculator Your lease payment line by line, what is due at signing, and whether buying costs less.
Savings & interest
12 toolsHow savings and deposits grow with interest.
- Compound Interest Calculator Grow a lump sum and regular deposits at any compounding frequency.
- Simple Interest Calculator Interest and total amount — or the missing principal, rate or time — with the formula.
- FD Calculator (Fixed Deposit) Maturity, interest, payouts and TDS for bank FDs and Post Office Time Deposits.
- RD Calculator (Recurring Deposit) Maturity, interest and TDS for monthly bank and Post Office recurring deposits.
- PPF Calculator Year-by-year PPF growth, maturity, extensions, loans and withdrawals.
- Sukanya Samriddhi Yojana (SSY) Calculator Year-wise SSY balance, maturity at 21 years and the education withdrawal at 18.
Show all 12 Show fewer Savings & interest tools
- NSC Calculator Maturity value and year-wise accrued interest for a 5-year NSC (VIII Issue).
- Kisan Vikas Patra (KVP) Calculator When your Kisan Vikas Patra doubles, and its value if encashed early.
- SCSS Calculator (Senior Citizens’ Savings Scheme) Quarterly SCSS interest, payout dates, extensions, early closure and TDS.
- Post Office Monthly Income Scheme (MIS) Calculator Your monthly interest from Post Office MIS, every payout date and early-closure value.
- Post Office & Small Savings Schemes Comparison Every post office scheme’s current rate, after-tax yield, lock-in and tax benefit.
- Savings Goal Calculator What each goal will cost, what to save for it, and one combined monthly plan.
Investing & markets
16 toolsReturns, risk and the maths of markets.
- SIP Calculator Project a SIP or lump sum, plan a goal and see the maths behind every number.
- CAGR Calculator Yearly growth rate between two values, plus future value, return needed and time to goal.
- NPV Calculator What a project’s future cash flows are worth today — and whether it pays.
- XIRR Calculator The yearly return on money that went in and came out on different dates.
- IRR Calculator The return a project earns on the money it ties up — and when that number misleads.
- Stock Average Calculator Your real average price — and what it takes to average down or up.
Show all 16 Show fewer Investing & markets tools
- Stock Profit & Break-even Calculator What a trade really made after costs, and the price where it breaks even.
- Brokerage & Charges Calculator (NSE/BSE) The full cost of a trade, line by line, and the price where it breaks even.
- ROI Calculator What you put in, what came back — ROI, annualised ROI and a side-by-side comparison.
- NPV & IRR Calculator Every capital-budgeting measure of a project at once — and of two, side by side.
- Present & Future Value Calculator (TVM Solver) A financial calculator’s TVM keys in your browser: give any four values, get the fifth.
- Position Size & Risk-Reward Calculator Size every trade so a stop-loss costs exactly the risk you chose — and see the reward.
- Dividend Yield & DRIP Calculator What a share’s dividend pays you now, and what reinvesting it could grow to.
- P/E Ratio & Valuation Multiples Calculator How the market prices a share against its earnings, assets and sales.
- Intrinsic Value Calculator (DCF, DDM, Graham) What a share may be worth three ways — and how far the price is from it.
- WACC, CAPM & Valuation Discount rates, DCF value, round dilution and bond yields — with the working shown.
Retirement & insurance
8 toolsPlan income for later in life, and protect it.
- Retirement Corpus Calculator The corpus you need, what you are on course for, and the SIP that closes the gap.
- EPF Calculator Your PF corpus at retirement, with the new ₹25,000 wage ceiling and the EPS split.
- FIRE Calculator (Financial Independence) Your financial-independence number and how fast your savings rate gets you there.
- NPS Calculator (National Pension System) Corpus, lump sum and pension under the new PFRDA exit rules (80/20 and 60/40).
- SWP Calculator (Systematic Withdrawal Plan) How long your corpus lasts with a fixed or rising monthly withdrawal.
- PF & ESI Contribution Calculator Monthly PF and ESI for one employee or a whole payroll, with the ECR challan totals.
- EPS Pension Calculator (EPS-95) Your EPS-95 monthly pension from service and pay, the way EPFO works it out.
- Life Insurance (Term Cover) Calculator How much term cover your family needs, two ways, and the gap against what you have.
Income tax & GST
13 toolsWork out tax on income, purchases and gains.
- GST Calculator Add or remove GST, see CGST + SGST or IGST, and total a whole invoice.
- Income Tax Calculator (Old vs New Regime) Full old-vs-new regime tax computation for Tax Year 2026-27 and FY 2025-26.
- HRA Exemption Calculator Exempt and taxable HRA, month by month, with the eight 50% cities of rule 279.
- VAT Calculator (Add or Remove VAT) Net, VAT and gross at any rate — UK, EU, Gulf and more — plus multi-rate invoices.
- Capital Gains Tax Calculator (India) Short- or long-term, the gain, and the tax a sale really adds to your year.
- Depreciation Calculator A year-by-year depreciation schedule for your books, Indian income tax or US MACRS.
Show all 13 Show fewer Income tax & GST tools
- Stamp Duty & Registration Charges Calculator What the registry will cost — state presets with sources, or your own rates.
- Cost Inflation Index (CII) Calculator The official CII table, your indexed cost, and whether indexation still applies.
- TDS Calculator (Income-tax Act 2025) Does TDS apply, at what rate, and how much — under the new Act and the 1961 Act.
- Advance Tax Calculator How much advance tax to pay by each due date, and the interest if you pay late.
- Home Loan Tax Benefit Calculator Interest and principal by year, the deductions they give, and the tax saved per regime.
- GST Late Fee & Interest Calculator Late fee by return, turnover and days late, plus 18% interest — every figure sourced.
- Zakat Calculator Zakat at 2.5% against the nisab you choose, with gold and silver valued by purity.
Salary & pay
15 toolsUnderstand pay, from CTC to what reaches your account.
- Salary Calculator CTC to take-home pay, with new vs old regime tax for Tax Year 2026-27.
- YouTube Money Calculator (Earnings Estimate) Daily, monthly and yearly earnings from your own RPM — long videos and Shorts.
- Gratuity Calculator Gratuity under India’s Labour Codes: eligibility, amount, tax and the 30-day deadline.
- Overtime Calculator Overtime hours and pay for a week — India, US federal, California or your own rules.
- Freelance Rate Calculator From the income you want to the rate you should charge — hourly, daily, per project.
- Labour Code Salary Structure Calculator Is your pay structure within the 50% wage rule? See the wages the Codes count.
Show all 15 Show fewer Salary & pay tools
- Hourly to Salary Calculator Turn an hourly rate into a salary, or a salary into an hourly rate, for any pay period.
- Salary Certificate Generator A salary certificate for the bank, embassy or landlord, on your letterhead. Business tool
- 7th Pay Commission Salary & DA Calculator Pay Matrix to net pay: DA, HRA, Transport Allowance, NPS/UPS and DA arrears.
- Salary Hike Calculator New salary from a hike, or the hike from old and new pay — and what it is really worth.
- Statutory Bonus Calculator Statutory bonus under the Code on Wages: who qualifies, how much, and by when.
- Employee Cost Calculator What an employee really costs: salary, employer taxes, benefits and overheads.
- Leave Encashment Calculator Leave encashment, earned leave and the tax-free part on leaving — worked out.
- Full & Final Settlement Calculator Everything due when someone leaves, with each legal deadline — as a printable statement.
- Gulf End-of-Service Gratuity Calculator The gratuity each Gulf labour law gives you — UAE, Saudi, Qatar, Oman, Bahrain, Kuwait.
Business maths
4 toolsPricing maths shared with the business category.
- Profit Calculator Gross, operating and net profit with margins — for the business or per unit.
- Margin Calculator Any two of cost, price, profit, margin or markup — the rest worked out.
- Break-Even Calculator How many units you must sell to cover your costs — with a chart.
- Markup Calculator Cost plus markup to price — and the whole chain from maker to MRP, both ways.
Budgets & everyday money
16 toolsEveryday money questions, from percentages to budgets.
- Percentage Calculator Eight percentage calculators, each showing the working for its answer.
- Discount Calculator Final price, savings and the real effect of stacked discounts — with GST if needed.
- Inflation Calculator Future cost, purchasing power and real returns at the inflation rate you choose.
- Currency Converter Cross rates for 30 currencies from the ECB’s daily euro reference rates.
- Gold & Silver Price Calculator The full jewellery bill — metal, wastage, making and 3% GST — from the rate you enter.
- Rent vs Buy Calculator Buy or rent? Your net worth both ways, year by year, and when buying pulls ahead.
Show all 16 Show fewer Budgets & everyday money tools
- Amount in Words Converter (Rupees, Dollars & More) “Rupees One Lakh … Only” for one amount or a whole spreadsheet column.
- Budget Planner (50/30/20) Give every rupee a job — and see how your plan compares with 50/30/20.
- Historical Inflation Calculator (Any Country) What ₹100 of 1990 — or $100 of 1950 — is worth today, from official price indices.
- IFSC Code Finder & Validator Find or check an IFSC — 1.8 lakh bank branches, searched on your device.
- Net Worth Calculator Your personal balance sheet, with dated snapshots to see it grow.
- UPI QR Code Generator Your UPI ID as a scan-to-pay QR code — PNG, SVG or a print-ready standee.
- Tip Calculator & Bill Splitter The tip, the total and each person’s share — to the paisa, or rounded up.
- Historical Exchange Rates Past ECB exchange rates for any day since 1999, with averages, highs, lows and CSV.
- Rent Affordability Calculator The rent your income supports, the income a rent needs, and what a lease really costs.
- Bank Statement PDF to Excel / CSV Turn a statement PDF into a clean, checked transaction table for Excel. Pro tool
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Finance tools A–Z
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- P/E Ratio & Valuation Multiples Calculator
- Percentage Calculator
- PF & ESI Contribution Calculator
- Position Size & Risk-Reward Calculator
- Post Office & Small Savings Schemes Comparison
- Post Office Monthly Income Scheme (MIS) Calculator
- PPF Calculator
- Present & Future Value Calculator (TVM Solver)
- Profit Calculator
- Promissory Note Generator Pro tool
R
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- Salary Calculator
- Salary Certificate Generator Business tool
- Salary Hike Calculator
- Savings Goal Calculator
- SCSS Calculator (Senior Citizens’ Savings Scheme)
- Simple Interest Calculator
- SIP Calculator
- Stamp Duty & Registration Charges Calculator
- Statutory Bonus Calculator
- Stock Average Calculator
- Stock Profit & Break-even Calculator
- Sukanya Samriddhi Yojana (SSY) Calculator
- SWP Calculator (Systematic Withdrawal Plan)
Collections with finance tools
All collections →- 101 tools Finance & CA Income tax & TDS · GST & compliance · Returns & valuation · 4 more
- 107 tools Small business & tax Invoices & billing · GST, VAT & tax · Pricing, profit & stock · 4 more
- 43 tools HR & payroll Salary & take-home pay · PF, gratuity & tax · Time, leave & rosters · 2 more
- 42 tools Construction & home Concrete, bricks & steel · Finishes, roofs & outdoors · Electrical, water & cooling · 2 more
Good to know
- 93 of 94 tools run entirely in your browser; the other one explains on its page what it sends.
- 91 of 94 keep working without a connection once loaded.
- Currency Converter: Downloads daily ECB reference exchange rates; the amounts you enter are never sent.
- IFSC Code Finder & Validator: Downloads the branch list from this site in small parts as you search (one part per code you check, or the chosen bank’s branches). What you type is matched on your device and never sent.
- Historical Exchange Rates: Sends only the currencies and dates you choose to MySmartCoPilot’s server, which fetches the rates from the European Central Bank. The amount you type stays in your browser.
- Results are estimates for planning and learning, not financial, tax or legal advice. Check the method and assumptions on each tool’s page.
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