All Financial Calculators

Master the reducing balance method used by 95% of banks—see exactly how each payment splits between principal and interest with our month-by-month amortization breakdown

Plan your 15-30 year housing loan with property registration costs, stamp duty estimates, and PMAY subsidy eligibility check—trusted by 50,000+ home buyers

Compare unsecured loan offers from 25+ banks instantly—see processing fees impact and discover the hidden costs lenders don't advertise upfront

Factor in ex-showroom price, road tax, insurance, and accessories to see your true on-road EMI—plus new vs used car financing comparison

Plan your study abroad finances with moratorium period calculations, interest subsidy for economically weaker sections, and post-graduation repayment projections

Visualize how ₹5,000/month becomes ₹1+ crore through compounding—includes step-up SIP modeling and inflation-adjusted real returns over 25 years

Deploy your bonus, inheritance, or savings strategically—compare immediate investment vs systematic transfer with market volatility risk analysis

Measure true investment performance by eliminating volatility noise—essential for comparing mutual funds, stocks, and real estate returns on equal footing

Harness Einstein's 'eighth wonder of the world'—compare daily, monthly, and yearly compounding to see how ₹1 lakh becomes ₹10 lakh over time

Quick reference for flat-rate calculations on short-term deposits and certain loan types—understand why banks prefer reducing balance over simple interest

Navigate India's dual tax regime with precision—auto-recommends old vs new regime based on your HRA, 80C investments, and home loan interest deductions

Reverse-calculate GST from final price or add tax to base amount—covers all slabs (5%, 12%, 18%, 28%) with CGST/SGST/IGST breakdown for invoicing

Navigate 2024's seven tax brackets with standard deduction optimization—see exactly where each dollar lands across the progressive 10% to 37% rate structure

See your true monthly housing cost with PITI breakdown—property taxes, homeowners insurance, PMI threshold, and HOA fees all factored into one clear number

Preview your actual take-home before accepting a job offer—accounts for federal withholding, state tax, Social Security, Medicare, and 401(k) contributions

Calculate PAYE, National Insurance, and student loan repayments in one place—see your tax code impact and Scottish/Welsh rate variations for 2024-25

Instantly switch between 27 EU member state VAT rates—essential for cross-border e-commerce, B2B invoicing, and VAT-inclusive pricing decisions

Build your freedom fund with inflation-adjusted projections—see the exact monthly SIP needed to replace your salary and retire by your target age

Track multi-coin portfolio gains across buy-ins and DCA entries—includes realized vs unrealized P&L and India's 30% crypto tax impact on your returns

Optimize your averaging-down strategy with break-even price projections—see how additional purchases at different price points shift your cost basis

Measure XIRR on your actual cash flows—accounts for staggered investments, partial withdrawals, and dividend reinvestments for true portfolio performance

Size your trades professionally with position sizing based on account risk tolerance—essential for maintaining 1:2 or 1:3 R:R discipline in volatile markets

Build passive income streams with yield-on-cost tracking—project annual dividend income growth and reinvestment compounding over decades

Plan working capital and expansion financing with collateral-free loan options—includes MSME subsidy eligibility and Mudra loan tier calculations

Discover your safe borrowing limit using the 40% EMI-to-income rule—see how existing obligations reduce your new loan capacity before applying

Get pre-approval confidence with bank-specific eligibility criteria—factors in your age, income stability, credit score, and existing debts like banks do

Discover the optimal prepayment timing—early-year prepayments save dramatically more interest than late-tenure payments due to amortization math

Find your EMI sweet spot—shorter tenure means less total interest but higher monthly outflow; see the exact trade-off for your financial situation

Should you switch lenders? Calculate net savings after processing fees, prepayment charges, and rate benefits—plus the break-even timeline for your decision

Merge credit cards, personal loans, and overdrafts into one manageable payment—see your monthly cash flow improvement and total interest reduction

Expose the flat rate illusion—a 7% flat rate actually equals 12-13% reducing rate; see why this distinction can cost you lakhs on the same loan

Make the buy-vs-rent decision with real numbers—factors in property appreciation, rent inflation, opportunity cost of down payment, and tax benefits

Understand the 36-42% APR trap—see how minimum payments extend repayment to years and why that ₹50,000 purchase really costs ₹80,000+

The minimum payment trap visualized—see how paying just 5% minimum stretches a ₹30,000 bill into 3+ years of payments totaling ₹50,000+

Compare cumulative vs non-cumulative FD returns—includes TDS impact, senior citizen bonus rates, and quarterly vs yearly compounding differences

Maximize the triple tax benefit (EEE) over 15 years—see how April deposits and loan facility utilization optimize your Public Provident Fund returns

Plan your government-backed retirement with asset allocation modeling—see how equity:debt:gilt mix affects your corpus and mandatory annuity purchase

Compare CAGR across fund categories—equity vs debt vs hybrid with expense ratio impact and benchmark alpha generation over 1/3/5/10 year periods

Map your child's education, dream home, and vacation into monthly investment targets—reverse-engineers the SIP needed for each life milestone

See how 6% inflation silently halves your money every 12 years—essential context for why your investments must beat inflation to preserve purchasing power

Track your complete financial picture—assets minus liabilities with category breakdown showing where your wealth is concentrated and vulnerabilities exist

Decode your offer letter—strip away PF, gratuity, insurance, and variable pay to see the actual monthly credit hitting your bank account

Model different tax-saving scenarios—see how increasing 80C investments or restructuring HRA changes your actual monthly take-home amount

Claim maximum HRA exemption with the three-condition rule—see which calculation method applies to your city classification and rent amount

Prepare for the TDS shock—bonuses are taxed at your marginal rate, not averaged across the year; see the actual net bonus you'll receive

Navigate STCG vs LTCG across stocks, mutual funds, and property—includes indexation benefit calculations and 54EC bond exemption planning

Get personalized regime recommendation—old regime wins if you have home loan + HRA + high 80C; new regime better for minimal deductions

Apply the Human Life Value method—calculate coverage that replaces your income for dependents' lifetime, covering expenses, loans, and future goals

Compare pure protection plans that cost ₹500/month for ₹1 crore coverage—see why term insurance beats endowment and ULIP for death benefit

Size your family floater appropriately—factor in medical inflation at 12% annually, room rent limits, and co-payment impacts on claim settlement

Understand IDV depreciation and NCB discount stacking—see how choosing higher voluntary deductible lowers premium without risking major claims

Don't overpay for bike/scooter insurance—compare comprehensive vs third-party only and see add-on covers that actually matter for two-wheelers

Audit your complete insurance portfolio—identify gaps in life, health, and asset coverage before a claim situation exposes your underinsurance

Find your business profitability threshold—calculate the exact units or revenue needed to cover fixed and variable costs before generating profit

Measure capital efficiency like Warren Buffett—companies earning 20%+ ROCE consistently are wealth compounders; compare across sectors and peers

Project your site's revenue potential across AdSense RPM tiers, affiliate conversion rates, and sponsored post valuations based on real niche benchmarks

Estimate AdSense revenue with CPM variations by country and content category—plus sponsorship rate calculations based on subscriber count and engagement

Price your influence correctly—calculate sponsored post rates using engagement rate, follower authenticity, and niche premium multipliers used by brands

Model Creator Fund payouts (notoriously low) vs brand partnership potential—see why TikTok is a brand-building platform, not a direct monetization one