GALAXY OF TOOLS

FINANCE SECTOR · 122 TOOLS

Free Finance Calculators Online

EMI and loans, SIP and investing, stock and crypto profit, tax, GST, margins and cash flow — plan money with confidence. 122 free tools, no sign-up.

Loans, EMI & property22

EMI CalculatorWork out your monthly loan EMI, total interest and full amortisation schedule in seconds.Finance CalculatorsLoan CalculatorFind your loan payment and payoff date, and see how extra payments cut interest and time.Finance CalculatorsPersonal Loan CalculatorEMI plus processing fee, GST and insurance as one true cost and APR, flat-rate quotes decoded, foreclosure tested.Finance CalculatorsHome Loan CalculatorLoan from property value and RBI LTV, EMI, prepayments, rate changes, affordability and tax saved each year.Finance CalculatorsCredit Card EMI CalculatorMonthly EMI on a card purchase with 18% GST on interest, processing fee, no-cost EMI and foreclosure.Finance CalculatorsCar Loan CalculatorBuild the on-road price, set the down payment and tenure, add a balloon, and compare new and used car loan EMIs.Finance CalculatorsMortgage CalculatorEstimate your monthly mortgage payment with property tax, insurance, PMI and HOA — plus a full amortization table.Finance CalculatorsCredit Card Payoff CalculatorHow long your card takes to clear, what paying only the minimum costs, and the interest on a bill not paid in full.Finance CalculatorsDebt Payoff CalculatorList your debts, add an extra payment and compare the snowball and avalanche methods month by month.Finance CalculatorsLoan Eligibility CalculatorHow much home, personal or car loan your net salary supports: FOIR, existing EMIs, tenure, age and price limits.Finance CalculatorsLoan Comparison CalculatorPut 2–4 loan offers side by side: EMI, fees with GST, insurance, prepayment charges, total cost and true APR.Finance CalculatorsSimple Interest CalculatorSimple or compound interest between two dates, with byaj (sekda) rates, 365-day or 30-day-month counting.Finance CalculatorsAPR CalculatorThe annual percentage rate of a loan from its interest rate and fees, with the finance charge and amount financed.Finance CalculatorsCredit Utilization CalculatorYour credit card utilization ratio, card by card and overall, and how much to pay to get under 30% or 10%.Finance CalculatorsCar Affordability CalculatorThe car price your income supports under the 20/4/10 rule: 20% down, a loan of 4 years or less, 10% of income.Finance CalculatorsRent vs Buy CalculatorRent and invest the difference, or buy with a loan? Year-by-year equity vs portfolio, verdict and break-even year.Finance CalculatorsEducation Loan CalculatorSimple interest during the course and moratorium, paid or added to the loan, then the EMI, total cost and tax deduction.Finance CalculatorsDebt-to-Income Ratio CalculatorFront-end and back-end DTI against lender guidelines, the payment and loan your limits allow, and India’s FOIR.Finance CalculatorsBusiness Loan CalculatorTerm-loan EMI with fees, overdraft interest on what you use, step-up or balloon repayments, and a DSCR check.Finance CalculatorsCar Lease CalculatorMonthly lease payment from price, residual, money factor, term, trade-in and tax — with due at signing and lease vs buy.Finance CalculatorsGold Loan CalculatorHow much you can borrow on your gold, and what EMI, bullet or interest-only repayment will cost.Finance CalculatorsStamp Duty CalculatorStamp duty, cess and registration fee for a property purchase in any major Indian state, with the total cost of buying.Finance Calculators

Savings & investing45

SIP CalculatorMonthly SIP with an optional lumpsum, step-up, inflation and the cost of starting late.Finance CalculatorsCompound Interest CalculatorSee how savings grow with compound interest, regular deposits and any compounding frequency.Finance CalculatorsBudget Planner (50/30/20 Budget Calculator)Split your take-home pay into needs, wants and savings, list your bills and see the gap to each target.Finance CalculatorsSavings Goal CalculatorFind the monthly saving for any goal, an emergency fund, a child’s education or a wedding, with inflation.Finance CalculatorsMutual Fund CalculatorSIP and lumpsum returns after expense ratio, exit load and tax — direct vs regular plan, plus goal planning.Finance CalculatorsLumpsum CalculatorSee what a one-time investment could grow to, including its value after inflation.Finance CalculatorsFD CalculatorFind the maturity amount and interest on a fixed deposit, with quarterly compounding or monthly payouts.Finance CalculatorsRetirement CalculatorEstimate the retirement corpus you need, what your savings will grow to, and how much more to save each month.Finance CalculatorsNet Worth CalculatorAdd up what you own and owe, see your asset mix and liquidity, and save snapshots to track it over time.Finance CalculatorsInflation CalculatorSee what something will cost in the future, or what a future sum is worth in today’s money.Finance CalculatorsLife Insurance Calculator (Human Life Value & DIME)Work out how much life or term insurance you need by human life value and the DIME method — no phone number asked.Finance CalculatorsRD CalculatorFind the maturity value and interest of a recurring deposit, using the quarterly compounding banks apply.Finance CalculatorsCAGR CalculatorFind the compound annual growth rate of any investment, or work out future value and years needed from a CAGR.Finance CalculatorsAsset Allocation CalculatorA transparent risk score, age and goal give an equity, debt, gold and cash mix, plus what to buy or sell.Finance CalculatorsSocial Security Calculator (Benefit Estimator by Age)Estimate your Social Security benefit at every age from 62 to 70, plus a spousal benefit — from earnings, AIME or PIA.Finance CalculatorsSWP CalculatorHow long a mutual fund corpus lasts with regular withdrawals, or the most you can take — with tax on each.Finance CalculatorsStock Profit CalculatorProfit on a share sale after every charge — FIFO lots, break-even price and Indian capital gains tax.Finance CalculatorsXIRR CalculatorAnnualised return of SIPs, top-ups and withdrawals on any dates — paste from a spreadsheet, plus XNPV and IRR.Finance Calculators401(k) Calculator with Employer MatchProject your 401(k) at retirement from your contribution %, employer match, raises, vesting and 2026 IRS limits.Finance CalculatorsCapital Gains Tax CalculatorSTCG and LTCG tax on shares, mutual funds, property, gold and foreign shares, with indexation and 54/54EC/54F.Finance CalculatorsLife Expectancy CalculatorAverage years left at your current age and sex from official US, UK and India life tables — for planning.Finance CalculatorsAnnuity CalculatorMonthly income from a lump sum at an annuity rate, immediate or deferred, or the corpus you need for an income.Finance CalculatorsSocial Security Break-Even Calculator (62 vs 67 vs 70)Find the age at which waiting to claim Social Security pays more in total than claiming early.Finance CalculatorsNPS CalculatorEstimate your NPS corpus, lump sum, annuity and monthly pension under the latest exit rules, plus yearly tax saving.Finance CalculatorsPPF CalculatorEstimate your PPF maturity value over 15 years, with optional 5-year extensions and a yearly table.Finance CalculatorsSuperannuation Calculator (Australia)Project your super balance at retirement from 12% employer super, extra contributions, fees and returns.Finance CalculatorsSafe Withdrawal Rate (4% Rule) CalculatorHow long your retirement savings last at a withdrawal rate, rising with inflation — and the safe starting rate.Finance CalculatorsCrypto Profit CalculatorProfit, ROI, break-even and target price for any coin after exchange fees — with India’s 30% tax and 1% TDS.Finance CalculatorsPresent Value, Future Value & NPV CalculatorWork out future value, present value (lump sum or annuity) and the NPV and IRR of a list of cash flows.Finance CalculatorsULIP CalculatorProject a ULIP fund after allocation, admin, mortality and fund charges; see net yield at 4%, 8% and your rate.Finance CalculatorsPost Office Savings CalculatorMaturity values and payout schedules for India Post savings schemes, with editable interest rates and tax notes.Finance CalculatorsFIRE Calculator (Lean, Fat, Coast & Barista)Find your FIRE number, years to financial independence, and your Lean, Fat, Coast and Barista FIRE targets.Finance CalculatorsUK State Pension CalculatorYour new State Pension from qualifying NI years, your State Pension age, buying gaps and deferring — 2026/27 rates.Finance CalculatorsEndowment & Money-Back Policy Maturity CalculatorMaturity value of an endowment or money-back policy from bonus rates, with its IRR and an FD comparison.Finance CalculatorsRoth IRA CalculatorProject your Roth IRA by age with the 2026 $7,500 limit, catch-ups and the MAGI phase-out for your filing status.Finance CalculatorsMedicare Premium & IRMAA CalculatorYour 2026 Part B and Part D premiums with income-related surcharges (IRMAA) from 2024 MAGI and filing status.Finance CalculatorsSTP CalculatorMove a lump sum from a liquid fund to an equity fund in instalments and compare it with a lump sum or SIP.Finance CalculatorsCPP & OAS Calculator (Canada)Compare starting CPP at 60, 65 or 70, find the break-even age, and estimate OAS with deferral and clawback.Finance CalculatorsNPS vs UPS CalculatorCompare the UPS assured payout, family payout and lump sum with NPS corpus and annuity on your own pay and returns.Finance CalculatorsSukanya Samriddhi CalculatorSSY maturity, interest and a year-by-year balance for your daughter’s account, with the 50% withdrawal at 18.Finance CalculatorsRMD CalculatorYour required minimum distribution from an IRA or 401(k) by age with the IRS tables — and for inherited IRAs.Finance CalculatorsPension Lump Sum vs Annuity Break-Even CalculatorCompare a pension lump sum offer with monthly payments: break-even age, present value, COLA and implied return.Finance CalculatorsAtal Pension Yojana CalculatorMonthly, quarterly or half-yearly APY contribution for a ₹1,000–₹5,000 pension, by your age at joining.Finance CalculatorsCost Inflation Index Table & Indexation CalculatorEvery CII from 2001-02 to 2026-27, the indexed cost of a property and the 12.5% vs 20% indexation choice.Finance CalculatorsChit Fund CalculatorDividend, net instalment and prize money each month, and the true yearly cost or return of winning in any month.Finance Calculators

Salary, tax & payroll32

Salary CalculatorConvert pay between hourly, daily, weekly, bi-weekly, monthly and annual — plus LPA to monthly CTC for India.Finance CalculatorsPaycheck CalculatorGross to net for one paycheck: 2026 federal withholding, Social Security, Medicare, state tax, 401(k) and HSA.Finance CalculatorsIncome Tax CalculatorCompare old and new regime tax for tax year 2026-27 with HRA, deductions, rebate, surcharge and monthly TDS.Finance CalculatorsIn-Hand Salary CalculatorTurn your CTC into monthly take-home pay after PF, ESI, professional tax and income tax, with a month-by-month view.Finance CalculatorsCTC CalculatorBuild a full CTC breakup with editable rules, find the CTC for a target in-hand, and compare two job offers.Finance CalculatorsOvertime CalculatorWork out overtime pay from an hourly rate or salary under US, California, India or UK rules — or your own.Finance CalculatorsAustralia Pay CalculatorTake-home pay after ATO resident tax, Medicare levy and HELP, plus 12% super — weekly, fortnightly or monthly.Finance CalculatorsCanada Take-Home Pay CalculatorNet pay after 2026 federal and provincial tax, CPP and CPP2, EI and Ontario Health Premium — per paycheque and per year.Finance CalculatorsW-4 Calculator (2026 Withholding Estimator)Estimate your 2026 federal tax and get the Step 2, 3 and 4 entries that make your W-4 withholding match it.Finance CalculatorsPF CalculatorProject your EPF balance to retirement, see the employer’s EPF/EPS split and estimate your EPS pension.Finance CalculatorsBonus CalculatorWork out statutory bonus under the Code on Wages, or a performance bonus and what is left after income tax.Finance CalculatorsGratuity CalculatorCheck gratuity eligibility, the amount under the new labour code, the ₹20 lakh ceiling and the tax-free part.Finance CalculatorsForm 16 ReaderOpen your Form 16 PDF in the browser and get salary, exemptions, deductions and quarterly TDS ready for your ITR.Finance CalculatorsTDS CalculatorTDS for tax year 2026-27 on rent, fees, interest, contracts, property and more — rate, limit and due date.Finance CalculatorsForm 26AS & AIS ReaderOpen your Form 26AS or AIS PDF in the browser and get TDS and TCS by deductor, quarter and section.Finance CalculatorsSSS Contribution CalculatorYour SSS monthly salary credit and employee, employer or voluntary contribution from the current SSS schedule.Finance CalculatorsESI CalculatorWork out ESI eligibility and the 0.75% employee and 3.25% employer shares for one person or a whole payroll.Finance CalculatorsTax & GST Compliance Calendar 2026-27Advance tax, TDS/TCS, ITR and GST return due dates for FY 2026-27 — filtered to you, with an .ics calendar file.Finance CalculatorsAdvance Tax CalculatorAdvance tax instalments for tax year 2026-27 with amounts for each due date and interest under 234B and 234C.Finance CalculatorsRedundancy Pay Calculator (UK) & Severance Pay CalculatorUK statutory redundancy pay by age and service with the £751 cap, plus Ontario, India and custom severance pay.Finance CalculatorsUK Dividend Tax CalculatorDividend tax by band after the £500 dividend allowance, on top of your salary — 2026/27, 2025/26 and Scotland.Finance Calculators13th Month Pay CalculatorYour 13th month pay from basic salary earned this year — prorated, with unpaid absences, and the ₱90,000 tax-free cap.Finance CalculatorsNigeria PAYE Calculator 2026Monthly PAYE, pension, NHF and net pay from your salary under the Nigeria Tax Act 2025 bands in force from 2026.Finance CalculatorsZakat CalculatorZakat due at 2.5% on wealth above the gold or silver nisab, in rupees, dirhams, pounds or any currency.Finance CalculatorsEstimated Tax Penalty & IRS Interest CalculatorIRS underpayment penalty by installment (Form 2210) and interest on late tax at the quarterly IRS rates.Finance CalculatorsTDS Late Fee & Interest Calculator₹200 a day late-filing fee and 1% / 1.5% a month interest on late TDS, with old and new section numbers.Finance CalculatorsCentral Government Pension & Commutation Calculator (7th CPC)Basic pension, DR, commuted lump sum, gratuity and family pension under the CCS (Pension) Rules, 2021.Finance CalculatorsIncome-tax Act 2025 Section Mapping (1961 to 2025)Type an old section such as 80C, 194J or 234B and get the Income-tax Act 2025 section and heading — or reverse it.Finance CalculatorsVRS Calculator (India)Estimate voluntary retirement compensation by scheme formula, the Rule 20 ceiling and the ₹5 lakh tax deduction.Finance Calculators234A, 234B & 234C Interest CalculatorInterest for a late return, advance tax under 90% and late instalments, month by month — with 2025-Act section numbers.Finance CalculatorsTCS Calculator (Foreign Remittance, Tour Package, Car)TCS on LRS remittances, overseas tour packages, cars over ₹10 lakh and other goods under section 394 for 2026-27.Finance CalculatorsMarginal Relief CalculatorUK Corporation Tax between the 19% and 25% rates, with marginal relief, associated companies and short periods.Finance Calculators

Business, GST & pricing23

GST CalculatorAdd or remove GST at the new 5%, 18% and 40% slabs or any rate, with CGST/SGST or IGST and multi-item invoices.Finance CalculatorsCurrency ConverterConvert between 160+ currencies with daily mid-market exchange rates — USD to INR, EUR, GBP, AED and more.Finance CalculatorsDiscount CalculatorFind the sale price, how much you save, stacked discounts, the discount % or the price before a sale.Finance CalculatorsTip CalculatorWork out the tip, the total and what each person pays — with rounding and tip-before-tax options.Finance CalculatorsROI CalculatorWork out return on investment, net profit and annualised ROI (CAGR) — and compare two investments side by side.Finance CalculatorsVAT CalculatorAdd VAT to a net price or take it out of a gross price — UK, EU, UAE, Australia, Canada and custom rates.Finance CalculatorsProfit Margin CalculatorGet gross profit, margin % and markup % from cost and price — or the price you need for a target margin.Finance CalculatorsMarkup CalculatorAdd a markup to cost for the selling price and margin — or price handmade goods with wholesale and retail prices.Finance CalculatorsCash Flow CalculatorForecast cash month by month to spot a shortfall early — or build a cash-flow statement and free cash flow.Finance CalculatorsUPI Payment Link GeneratorMake a upi://pay link and QR code for your UPI ID, with a fixed or open amount, a printable card and bulk QRs.Finance CalculatorsBreak-Even CalculatorFind how many units you must sell to cover your costs, the break-even revenue and the sales needed for a target profit.Finance CalculatorsNet Margin CalculatorTurn a simple profit and loss into gross, EBITDA, operating, pre-tax and net margins — with a waterfall chart.Finance CalculatorsPPP Calculator (Purchasing Power Parity)Convert any amount between countries by purchasing power parity and see how expensive each country is.Finance CalculatorsBurn Rate CalculatorGross and net burn, months of runway and the date cash hits zero — plus what-if hiring, growth and cost cuts.Finance CalculatorsPayback Period CalculatorSimple and discounted payback for even or uneven yearly cash flows, with NPV, IRR and a cumulative chart.Finance CalculatorsFinancial Ratio CalculatorCurrent, quick, debt-to-equity, DSCR, ROE, ROCE, margins and cash cycle from one P&L and balance sheet.Finance CalculatorsBank Reconciliation Statement MakerMake a bank reconciliation statement from the cash book or pass book balance, with Add/Less items and a printable BRS.Finance CalculatorsJournal Entry Generator with Ledger and Trial BalanceEnter transactions as debit and credit accounts and get journal entries, ledger accounts and a trial balance.Finance CalculatorsGST Composition Scheme CalculatorQuarterly composition tax at 1%, 5% or 6%, the turnover limit check, CMP-08 interest and a comparison with regular GST.Finance CalculatorsGST Late Fee Calculator (GSTR-3B, GSTR-1, GSTR-4, GSTR-9)Late fee and interest for a late GST return, with the nil-return and turnover caps from the CBIC notifications.Finance CalculatorsDepreciation Calculator (Companies Act, Income Tax, MACRS)SLM and WDV under Schedule II, income-tax block WDV with the 180-day rule, and US MACRS with section 179 and bonus.Finance CalculatorsGSTR-2B vs Purchase Register ReconciliationMatch GSTR-2B with your purchase register by GSTIN and invoice number — see matched, mismatched and missing ITC.Finance CalculatorsGST Interest Calculator (Section 50, Late Payment and ITC)Day-wise interest under section 50 for late GST payment and wrongly used ITC, for several months at once.Finance Calculators

Plan loans, savings and prices with clear numbers

Money decisions are easier when you can see the numbers before you commit. These free finance calculators work out a loan EMI before you visit the bank, show what a monthly SIP could grow to, add or remove GST on an invoice, turn an annual salary into a monthly or hourly figure, and convert between currencies. Each one explains the formula it uses, so you can follow the maths rather than trust a black box. Small business owners use them to price products and check margins, and households use them to plan savings goals and retirement.

For borrowing there is the EMI calculator, a general loan calculator with extra payments, a mortgage calculator with tax and insurance, and a credit card payoff planner. For saving and investing there are SIP, lumpsum, FD, RD, PPF and compound interest calculators. For shops and freelancers there are GST, VAT, discount, markup, profit margin and break-even tools.

Indian favourites such as EMI, SIP and PPF sit alongside US-style mortgage, UK VAT and tip calculators, and most tools let you switch between rupees, dollars, pounds, euros and other currencies. Every calculation happens in your browser; only the currency converter goes online, and only to fetch the latest exchange rates. Results are estimates to help you plan, not financial, tax or investment advice, so confirm important figures with your lender, bank or a qualified adviser.

SIP or lumpsum, simple or compound: choosing the right calculator

  • SIP or lumpsum. A SIP invests a fixed amount every month, which suits a salary and spreads purchases over time. A lumpsum invests one amount once, such as a bonus. Use the SIP calculator for the first and the lumpsum calculator for the second; at the same return, money invested earlier has longer to compound.
  • EMI, loan or mortgage. The EMI calculator gives the fixed monthly instalment and amortisation schedule used by Indian banks. The loan calculator adds extra payments and a payoff date. The mortgage calculator adds property tax, insurance, PMI and HOA fees for US-style home loans.
  • Simple or compound interest. Simple interest is earned only on the original principal; compound interest also earns on interest already added. Savings accounts, deposits and long-term investments compound.
  • Markup or margin. Both compare profit with a price, but markup divides profit by cost and margin divides it by the selling price. A 50% markup is only a 33.3% margin, so use the profit margin calculator when pricing to a margin target.

Tips for more realistic estimates

For plain percentage questions the math calculators are quicker. For planning, these habits help:

  • Use conservative returns. Market-linked investments do not grow in a straight line, so try a few rates to see a range instead of one hopeful figure.
  • Allow for inflation. The inflation calculator shows what a future sum is worth in today’s money, which is what matters for retirement or a child’s education.
  • Compare loans on total interest, not just the instalment. A longer tenure lowers the EMI but can add a lot of interest, and the amortisation table makes that trade-off visible.
  • Check tax separately. The calculators show growth before tax; tax on interest and gains depends on your country and situation.

Finance Calculators: frequently asked questions

How is EMI calculated?

EMI uses the reducing-balance formula EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate and n the number of months. Early instalments are mostly interest and later ones mostly principal.

Is a SIP better than a lumpsum investment?

Neither is always better. A lumpsum spends more time invested if you have the money now, while a SIP spreads your purchases and fits a monthly income. Many people use both: a SIP from salary and lumpsums for bonuses.

How do I remove GST from a price that already includes it?

Divide the inclusive price by 1 plus the rate. At 18%, ₹1,180 ÷ 1.18 = ₹1,000, so the GST is ₹180. The GST calculator works in both directions and splits the tax into CGST and SGST or IGST.

How accurate are the currency converter’s rates?

It uses daily mid-market reference rates from a public exchange-rate service. Banks, cards and money changers add their own margin, so the amount you actually receive is usually a little lower.

How do I work out the price after two discounts?

Apply them one after the other, not added together. 20% off and then a further 10% off leaves 0.8 × 0.9 = 0.72 of the price, a 28% total discount rather than 30%. The discount calculator handles stacked discounts for you.

What does CAGR mean?

Compound annual growth rate is the steady yearly rate that would turn a starting value into an ending value over a number of years. The CAGR calculator uses it to compare investments held for different lengths of time.