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.
15 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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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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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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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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