Free tools
Free Personal Finance Calculators
$10,000 invested at 7% for 30 years grows to about $76,000, but add $100 a month and the same starting balance becomes $194,000. The math isn't intuitive until you see it run on your own numbers. The calculators below pair with our plain-English explainers, run in your browser, and link to the full article that explains the formula each one uses.
49 calculators · more on the way
Compound Interest Calculator
See how a starting balance grows over time with compound interest, optional monthly contributions, and adjustable compounding frequency.
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Inflation Calculator
Calculate how much a future expense will cost in today's purchasing power, or how much purchasing power your savings lose to inflation over time.
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Interest Calculator
Calculate the interest earned on a savings account or owed on a loan over a chosen period, using either simple or compound interest.
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Emergency Fund Calculator
Calculate how long it will take to build a 3-month, 6-month, and 12-month emergency fund based on your monthly expenses, current savings, and what you can save each month.
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Savings Goal Calculator
Work out how long you'll need to reach a savings target, or how much you need to save each month to hit a target by a specific date.
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Credit Card EMI Calculator
Convert a credit card purchase into EMIs and compare 3, 6, 12, and 24-month tenures side by side, with the monthly EMI, total interest, the 18% GST line most calculators hide, and the true cost of a no-cost EMI.
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Credit Card Interest Calculator
See how many months and how much interest it takes to clear a credit card balance at your monthly payment, compared side by side with paying only the minimum, in ₹ (with 18% GST) or $.
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Loan Calculator
Calculate the monthly EMI, total interest paid, and total amount owed on a loan, and compare the same loan side-by-side at three different tenures to see how time changes the math.
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Salary Negotiation Impact Calculator
See the lifetime earnings impact of negotiating a higher starting salary, or compare staying at one job versus switching every few years over a 30-year career.
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PPF Maturity Calculator
Calculate the maturity amount, total contributed, and total interest earned on a Public Provident Fund account based on your annual contribution, lock-in period, and the current PPF interest rate.
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NPS Calculator
Project your National Pension System (NPS) corpus at retirement, split it into the mandatory annuity portion and the tax-free lump sum, and estimate your monthly pension across a realistic annuity-rate band.
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FD Calculator
Calculate the maturity value and total interest earned on a Fixed Deposit (FD in India) or Certificate of Deposit (CD in the US), comparing three tenures side by side at any compounding frequency.
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Debt Snowball vs Avalanche Calculator
Add your debts and compare the two payoff methods side by side: the snowball (smallest balance first) versus the avalanche (highest interest rate first), with months to debt-free and total interest for each, in INR or USD.
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RD Calculator
Calculate recurring deposit maturity using the standard quarterly-compounding formula, with a year-by-year growth table and the lump-sum comparison that shows why an RD's maturity sits below what its headline rate suggests. Reproduces the maturity value published in the scheme's own gazetted rules.
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Sukanya Samriddhi Yojana Calculator
Calculate the maturity amount of a Sukanya Samriddhi Yojana (SSY) account at the current 8.2% rate, with a full year-by-year growth table across the 15-year deposit period and the 6 extra compounding years to the 21-year maturity, plus total deposited and total tax-free interest.
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Post Office Monthly Income Scheme Calculator
Calculate the fixed monthly income from a Post Office Monthly Income Scheme (POMIS) deposit at the current 7.4% rate, with single and joint account limits, the 5-year total interest, and the principal returned at maturity.
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Senior Citizen Savings Scheme Calculator
Calculate the quarterly interest income from a Senior Citizen Savings Scheme (SCSS) deposit at the current 8.2% rate, with the monthly income equivalent, total interest over 5 or 8 years, the ₹30 lakh cap, and the principal returned at maturity.
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Kakeibo Calculator
A digital kakeibo ledger: set your monthly plan (income minus fixed costs minus a savings goal), log spending against the four categories (needs, wants, culture, unexpected), and see your spending money, category totals, and the four kakeibo questions answered, in ₹ or $.
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HRA Exemption Calculator
Calculate your tax-exempt House Rent Allowance under Section 10(13A) using the least-of-three Rule 2A formula, with a metro/non-metro toggle, the exact condition that caps your exemption, and the taxable remainder.
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Income Tax Calculator (India)
Compare your income tax under the old and new regimes for FY 2025-26, with a full side-by-side line-item breakdown, the Section 87A rebate, the marginal relief on the ₹12 lakh cliff that most calculators hide, surcharge, and 4% cess.
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EPF Calculator
Project your Employees' Provident Fund corpus at retirement, with the ₹15,000 EPS wage ceiling applied in the math, the 8.33% pension slice shown separately (because it earns no interest), a VPF input, the ₹2.5 lakh taxable-interest flag, and a full year-by-year table.
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Net Worth Calculator
Add up what you own and owe to find your net worth, in ₹ or $, with India-specific asset classes most calculators skip (EPF, PPF, NPS, gold, insurance surrender value), a liquid-assets line, correct home-equity handling, and a real Federal Reserve age benchmark.
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GST Calculator
Add or remove GST at the current post-reform slabs (5%, 18%, 40%), with the CGST/SGST vs IGST split, reverse GST from an inclusive price, an optional cess line, and the abolished 12% and 28% slabs kept only for pre-reform invoices.
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Take-Home Salary Calculator
Turn your annual CTC into monthly in-hand salary, with the old vs new tax regime side by side on the same CTC, a professional-tax state selector, the EPF ceiling toggle, gratuity at 4.81%, and the new Labour Code 50% basic floor that no other calculator models.
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Gratuity Calculator
Work out your gratuity under the Payment of Gratuity Act, with a covered vs not-covered toggle (the ÷26 and ÷30 formulas), correct year rounding from a years-and-months input, the ₹20 lakh statutory cap applied, the tax-free vs taxable split, and the new Labour Code fixed-term rule.
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EPS Pension Calculator
Estimate your monthly EPS-95 pension with the (salary × service) ÷ 70 formula, the ₹15,000 salary cap, the +2-year bonus for 20+ years of service, the ₹1,000 minimum, early and deferred pension by age, and a capped vs higher-pension toggle.
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NSC Calculator
Work out your National Savings Certificate maturity at the current 7.7% rate, with a year-by-year interest accrual table and the Section 80C twist competitors skip: the interest reinvested in years 1 to 4 is 80C-eligible, while the year-5 interest is paid out and taxable.
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KVP Calculator
Work out your Kisan Vikas Patra maturity at the current 7.5% rate, over the correct 115-month term, with the number every other KVP calculator leaves out: what you keep after tax. KVP doubles your money before tax, not after.
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APY Calculator
Find your Atal Pension Yojana contribution from the official PFRDA chart, then the figure no other APY tool computes: the actual return. APY is priced at about 8% a year whatever age you join, so joining early buys the same pension for less money, not a better rate.
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Simple Interest Calculator
Solve for interest, principal, rate or time from the one formula, in years, months or days. Plus a flat-rate loan mode that returns your EMI and the real annual rate behind it, because a 10% flat quote is nearer 17.9%.
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APR Calculator
Turn a quoted rate plus fees into the real annual cost of a loan. Splits fees paid up front from fees rolled into the borrowing, because they are different loans, and shows why the same fee costs far more on a short tenure than a long one.
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50/30/20 Budget Calculator
Compare what you actually spend against the 50/30/20 targets, with the two things other budget tools skip: minimum debt payments counted as needs and extra repayment counted as saving, and your EPF added back because it is deducted before your salary ever reaches you.
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Debt-to-Income Ratio Calculator (DTI and FOIR)
Work out your debt-to-income ratio, called FOIR in India, on gross income and on take-home pay side by side, with the front-end housing ratio separated out and the rent-replacement case handled the way lenders actually treat it.
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Debt Consolidation Calculator
Check whether replacing several debts with one new loan is actually cheaper, with the processing fee, GST on it and foreclosure charges all counted, and a verdict that says so plainly when consolidating costs you more.
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Gold Loan LTV Calculator (India)
Works out the most you can borrow against pledged gold under the RBI tiers that began on 1 April 2026, and shows the two points where extra gold raises your limit by nothing at all. Asks you for the gold rate rather than printing one, so it never goes stale.
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Loan Prepayment Calculator
See what paying extra into your loan does, with cutting the EMI and cutting the tenure shown side by side and the gap between them stated, plus the three conditions that decide whether a prepayment charge applies at all.
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Home Loan EMI Calculator (India)
Start from the price of the flat, not the loan amount. Applies the RBI loan-to-value ceiling that decides how much you can actually borrow, then adds the stamp duty, registration and processing fee the loan is not allowed to cover.
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Rent vs Buy Calculator
Solves for the flip point: the house price growth rate at which buying finally beats renting and investing the difference. Then puts that number next to what RBI and NHB actually publish.
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Capital Gains Tax Calculator (India)
Works out which Income-tax Act governs your sale, since the 1961 Act was replaced on 1 April 2026, then computes the gain with surcharge, cess and the land-and-building cap most tools leave out.
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TDS Calculator (India)
Works out which Income-tax Act governs your payment, since every TDS section was folded into two on 1 April 2026, then applies the Budget 2025 thresholds most tools are still missing.
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Freelance Rate Calculator (India and US)
Works out the hourly rate that survives tax, unbillable time and, in India, the 10% a business client withholds before paying you. The last of those appears on no other Indian calculator we could find.
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Break-Even Calculator (India and US)
Counts what you need to pay yourself as a cost of the business, which no other break-even calculator we could find does, and models the GST composition scheme where the arithmetic genuinely differs.
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Business Loan Calculator (India and US)
Shows three rates instead of one: what the lender quotes, what the fees make it, and what it costs after the tax deduction. Of nine calculators read across both countries, none showed the third.
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Profit Margin and Markup Calculator (India and US)
Converts markup to margin, then does the thing no other margin calculator does: works out how many more units a discount forces you to sell. Takes the payment fee and GST-inclusive pricing into account, which none of the 23 tools we read has a field for.
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Direct vs Regular Mutual Fund Cost Calculator
Finishes the arithmetic SEBI starts. Its own investor page gives a worked example of the expense ratio gap and then says it can significantly impact your wealth without computing it. This reports the gap in rupees and the year it passes everything you invested.
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SIP Calculator (India)
Shows what you would actually keep, after the fund's fee and after capital gains tax, alongside the gross figure every other SIP calculator prints. Of eleven India SIP tools read in August 2026, none subtracted either.
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Retirement Corpus Calculator (India)
Shows the multiple as an output rather than quoting 25x or 30x as though it were a property of the country, because the answer turns on what your corpus earns after you stop working. Models the NPS annuity lock, which nothing else does.
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Education Loan Moratorium Calculator (India)
Models the part every education loan EMI calculator skips: the interest that builds through the course and grace period, and joins the principal once, before the first EMI is calculated. Prices the decision to service it, concession included.
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XIRR Calculator with CAGR and Absolute Return
Shows the solve, not just the answer. XIRR has no formula, so this reports the iterations and the residual, prints the naive CAGR most people compute and names why it is wrong, and refuses to invent a number when the cash flows have no solution.
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