Loans
Mortgage Calculator
Model mortgage payments, ownership costs and extra payments.
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The calculator collection
Financial Calculators
Explore loans, savings, investments, retirement and taxes.
Loans
EMI Calculator
Explore monthly installments and annual repayment schedules.
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Loans
Amortization Calculator
Detailed repayment schedules with extra payments.
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Savings
Fixed Deposit Calculator
Calculate fixed-deposit maturity with compounding and tax assumptions.
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Savings
Interest Calculator
Calculate interest and contributions over time.
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Planning
Inflation Calculator
Estimate future costs and purchasing power.
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Income
Salary Calculator
Estimate Indian CTC and take-home pay using the existing salary model.
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Tax
GST Calculator
Add or remove Indian GST and split CGST, SGST and IGST.
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Tax
UK VAT Calculator
Calculate VAT-inclusive and VAT-exclusive amounts.
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Investments
SIP Calculator
Project monthly investments, growth and year-by-year balances.
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Investments
Step Up SIP Calculator
Project monthly investments, growth and year-by-year balances.
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Investments
Mutual Fund Returns Calculator
Project monthly investments, growth and year-by-year balances.
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Investments
ELSS Investment Calculator
Project monthly investments, growth and year-by-year balances.
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Investments
Lumpsum Calculator
Calculate compound growth with an explicit compounding convention.
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Investments
Compound Interest Calculator
Calculate compound growth with an explicit compounding convention.
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Savings
Simple Interest Calculator
Interest = principal × annual rate × years.
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Savings
Recurring Deposit Calculator
Estimate recurring-deposit maturity with quarterly compounding.
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Investments
SWP Calculator
Each month: closing balance = opening balance × (1 + monthly return) − withdrawal.
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Investments
SIP vs Lumpsum Calculator
Compare investing the entire budget today with equal monthly instalments totaling the same budget.
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Planning
Savings Goal Calculator
Required periodic saving = (target − present savings × (1 + i)^n) / annuity factor.
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Planning
Education Savings Calculator
Future goal cost = today’s cost × (1 + inflation)^years.
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Planning
Wedding Savings Calculator
Future goal cost = today’s cost × (1 + inflation)^years.
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Planning
House Savings Calculator
Future goal cost = today’s cost × (1 + inflation)^years.
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Planning
College Savings Calculator
Future goal cost = today’s cost × (1 + inflation)^years.
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Returns
ROI Calculator
ROI = (ending value + income − fees − initial investment) / initial investment.
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Returns
CAGR Calculator
CAGR = (ending value / beginning value)^(1 / years) − 1.
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Returns
IRR & NPV Calculator
Evaluate periodic cash flows with discounting and numerical IRR.
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Returns
XIRR Calculator
Calculate annualized returns for investments on irregular dates.
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Investments
Time Value of Money Calculator
Solve PV, FV, payment, annual rate or periods with signed cash flows.
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Returns
Rule of 72 Calculator
Approximate doubling time = 72 / annual percentage return.
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Returns
Effective Interest Rate Calculator
Effective annual rate = (1 + nominal annual rate / m)^m − 1..
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Loans
Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Home Loan EMI Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Car Loan EMI Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Used Car Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Personal Loan EMI Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Education Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Business Loan EMI Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Two Wheeler Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Gold Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Land Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Commercial Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Credit Card EMI Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Mudra Loan Calculator
Calculate a fixed-rate monthly payment and repayment schedule.
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Loans
Loan Prepayment Calculator
Compare the original loan with monthly extra payments and an immediate principal reduction.
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Loans
Loan Comparison Calculator
Compare monthly payments and total repayments including upfront fees.
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Loans
Loan Refinance Calculator
Use the current outstanding balance and remaining term.
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Loans
Balance Transfer Calculator
Use the current outstanding balance and remaining term.
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Loans
Mortgage Refinance Calculator
Use the current outstanding balance and remaining term.
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Loans
Flat vs Reducing Rate Calculator
Flat interest = original principal × annual rate × years.
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Loans
Loan APR Calculator
Solve net proceeds = present value of monthly payments.
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Loans
Interest Only Loan Calculator
Monthly interest-only payment = principal × annual rate / 12.
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Loans
Credit Card Payoff Calculator
Interest accrues monthly at APR/12, then the payment is applied.
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Returns
Bond Calculator
Bond price = present value of coupons plus redemption value.
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Returns
Tax Equivalent Yield Calculator
Tax-equivalent yield = tax-exempt yield / (1 − marginal tax rate)..
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Returns
Investment Income Calculator
Annual income = principal × yield.
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Returns
Mutual Fund Fee Calculator
Net annual growth factor = (1 + gross return) × (1 − annual fee).
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Returns
Stock Average / Dollar Cost Averaging Calculator
Weighted average price = total purchase cost / total shares.
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Returns
Stock Return / Holding Period Return Calculator
Holding-period return = (sale proceeds + dividends − fees − purchase cost) / purchase cost..
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Returns
Dividend Calculator
Dividend income = shares × annual dividend per share.
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Returns
Stock Constant Growth Calculator
Gordon value = next annual dividend / (required return − perpetual growth).
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Returns
Stock Non-constant Growth Calculator
Discount each initial dividend, then add the discounted Gordon terminal value after the high-growth phase..
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Returns
CAPM Calculator
Expected return = risk-free rate + beta × (market return − risk-free rate)..
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Returns
Expected Return Calculator
Expected return = Σ probability × return.
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Business
Weighted Average Cost of Capital Calculator
WACC = E/(E+D) × cost of equity + D/(E+D) × cost of debt × (1 − tax rate)..
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Returns
Black–Scholes Option Calculator
Estimate European call and put values, with dividend yield.
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Returns
US Treasury Bill Calculator
Bank discount yield = (face − price) / face × 360 / days.
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Trading
Brokerage & Trading Charges Calculator
Brokerage is capped separately on each side.
Editable assumptions
Trading
Trading Margin Calculator
Required margin = quantity × price × margin percentage.
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Trading
Margin Trading Facility Calculator
Borrowed amount = position × (1 − margin%).
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Loans
Loan Against Mutual Funds Calculator
Maximum loan = eligible collateral × loan-to-value.
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Retirement
Retirement Planner
Inflate annual expenses to retirement; divide by an assumed withdrawal rate to estimate a target corpus.
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Retirement
FIRE Calculator
FIRE target = net annual expenses / withdrawal rate.
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Retirement
Lean FIRE Calculator
FIRE target = net annual expenses / withdrawal rate.
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Retirement
Fat FIRE Calculator
FIRE target = net annual expenses / withdrawal rate.
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Retirement
Barista FIRE Calculator
FIRE target = net annual expenses / withdrawal rate.
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Retirement
Coast FIRE Calculator
FIRE target = net annual expenses / withdrawal rate.
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Retirement
Annuity / Retirement Income Calculator
Payment = present value / discounted annuity factor.
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Retirement
NPS Calculator
Project contributions using an assumed annual return.
Editable assumptions
Retirement
401(k) Contribution Calculator
Employee contribution is capped at the limit you enter.
Editable assumptions
Retirement
401(k) Save the Max Calculator
Contribution per remaining paycheck = (your applicable annual limit − year-to-date employee contributions) / remaining pay periods..
Editable assumptions
Retirement
Traditional IRA vs Roth IRA Calculator
Compare equal pre-tax budgets: traditional grows the pre-tax amount and pays tax on withdrawal; Roth invests the after-tax amount and qualified withdrawals are assumed tax-free.
Ready to calculate
Retirement
Required Minimum Distribution Calculator
RMD = prior year-end balance / applicable IRS distribution factor.
Editable assumptions
Retirement
US Health Savings Account Calculator
Contributions are made at each year end, after growth; medical expenses are then withdrawn.
Editable assumptions
Savings
PPF Calculator
Annual model: balance = (opening balance + annual contribution) × (1 + rate).
Editable assumptions
Savings
Sukanya Samriddhi Yojana Calculator
Contribute at the beginning of each of the first 15 years, then compound without deposits through year 21.
Editable assumptions
Savings
National Savings Certificate Calculator
Five-year maturity = deposit × (1 + annual rate)^5.
Editable assumptions
Savings
Post Office MIS Calculator
Payout = deposit × annual rate / 12.
Editable assumptions
Savings
Senior Citizens Savings Scheme Calculator
Payout = deposit × annual rate / 4.
Editable assumptions
Retirement
EPF / PF Calculator
EPF deposit = employee contribution + employer contribution − employer EPS diversion.
Editable assumptions
Tax
HRA Exemption Calculator
Old-regime HRA exemption is the least of HRA received, rent minus 10% of eligible salary, and 50% of salary in specified metro cities (40% elsewhere), with a floor of zero.
Ready to calculate
Income
Gratuity Calculator
For covered employees: gratuity = monthly eligible salary × 15 / 26 × qualifying years.
Editable assumptions
Tax
India Income Tax Calculator — AY 2026–27
Compare old and new regimes for resident salary income in FY 2025–26.
Ready to calculate
Tax
TDS Calculator
Estimated tax = taxable amount × your applicable effective tax rate.
Editable assumptions
Tax
Capital Gains Tax Estimate
Estimated tax = taxable amount × your applicable effective tax rate.
Editable assumptions
Tax
Bonus Tax Estimate
Estimated tax = taxable amount × your applicable effective tax rate.
Editable assumptions
Tax
Freelancer Tax Reserve Calculator
Estimated tax = taxable amount × your applicable effective tax rate.
Editable assumptions
Tax
Section 80C Deduction Calculator
Old-regime deduction = minimum of total eligible payments and INR 150,000.
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Tax
Tax Refund Calculator
Refund or balance due = tax payments − final assessed liability.
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Business
Depreciation Calculator
Straight-line annual depreciation = (cost − salvage) / years.
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Income
Bonus Calculator
Bonus = eligible salary × bonus percentage.
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Income
Leave Encashment Calculator
Encashment = eligible monthly salary / payroll day divisor × eligible leave days.
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Income
Pay Commission Scenario Calculator
Scenario basic pay = current basic × assumed fitment factor.
Editable assumptions
Income
Hourly to Salary Calculator
Annual gross pay = hourly pay × paid hours per week × paid weeks per year..
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Income
Salary Increase Calculator
New salary = current salary × (1 + percentage increase)..
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Tax
Net Distribution Calculator
Net distribution = gross − withholding − penalty − fees.
Editable assumptions
Planning
Emergency Fund Calculator
Target emergency fund = essential monthly expenses × months of protection..
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Planning
Net Worth Calculator
Net worth = total assets − total liabilities.
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Planning
Asset Allocation & Rebalancing Calculator
Target value = total portfolio × target weight.
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Insurance
Life Insurance Needs Calculator
Required cover = present value of annual expenses + debt + other needs − available assets.
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Insurance
Insurance Coverage Gap Calculator
Required cover = present value of annual expenses + debt + other needs − available assets.
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Insurance
Health Insurance Out-of-pocket Calculator
Insurer payout = minimum of remaining limit and eligible bill after deductible × (1 − co-pay).
Ready to calculate
Insurance
Insurance Premium Quote Comparison
Total = (quoted base premium after discount + riders) × (1 + applicable tax).
Editable assumptions
Insurance
Term Insurance vs Endowment Calculator
Invest the annual premium difference at each year end.
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Property
Property Affordability Calculator
Affordable mortgage payment = income × debt-to-income limit − other debt − housing costs.
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Property
Rent vs Buy Calculator
Compare buyer equity after sale with the renter’s invested down payment and purchase costs.
Ready to calculate
Property
Property Appreciation Calculator
Future property value = current value × (1 + appreciation)^years.
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Property
Rental Yield / Rental Property Calculator
Gross yield = annual rent / property value.
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Property
Stamp Duty Calculator
Estimated charge = applicable value × your jurisdiction’s rate + fixed charges − eligible rebate, with a floor of zero.
Editable assumptions
Property
Property Registration Fee Calculator
Estimated charge = applicable value × your jurisdiction’s rate + fixed charges − eligible rebate, with a floor of zero.
Editable assumptions
Property
Property Tax Calculator
Estimated charge = applicable value × your jurisdiction’s rate + fixed charges − eligible rebate, with a floor of zero.
Editable assumptions
Property
Home Equity Loan Calculator
Available equity borrowing = home value × combined LTV − existing secured mortgage, floored at zero.
Ready to calculate
Property
HELOC Calculator
Assumes the full balance is drawn immediately, interest-only payments during the draw period, then full amortization at the entered repayment rate.
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Loans
Auto Lease Calculator
Base lease payment = (adjusted capitalized cost − residual) / months + (adjusted capitalized cost + residual) × money factor.
Ready to calculate
Loans
Lease vs Buy Car Calculator
Buying net cost = down payment + loan payments − resale proceeds.
Ready to calculate
Loans
Mortgage Discount Points Calculator
Cost of points = principal × points percentage.
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Tax
Mortgage Tax Saving Estimate
Incremental saving = smaller of deductible mortgage interest and incremental itemized deduction × marginal tax rate.
Editable assumptions
Loans
Credit Card Minimum Payment Calculator
Each payment is the greater of a fixed floor or monthly interest plus the entered percentage of principal.
Ready to calculate
Savings
FD / RD Offer Comparison
Compare offers using the rates you enter.
Editable assumptions
Trading
Credit Card Rewards Comparison
Net annual value = eligible spending × reward value, limited by a cap, less any non-waived annual fee.
Editable assumptions
Business
Margin and Markup Calculator
Gross margin = (price − cost) / price.
Ready to calculate
Business
Business Forecast Calculator
Revenue grows by the assumed annual growth rate.
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Business
Financial Ratios Calculator
Current ratio = current assets / current liabilities.
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Retirement
Atal Pension Yojana Calculator
Monthly contribution is looked up by entry age and pension tier in the PFRDA APY contribution chart.
Ready to calculate
Retirement
Social Security Claiming Age Estimator
For people born in 1960 or later, full retirement age is 67.
Ready to calculate
Loans
Fixed vs Adjustable Rate Mortgage Calculator
The adjustable loan uses the initial rate until the first reset, then recalculates payments on the remaining balance and term.
Ready to calculate
Property
Home Equity Loan vs HELOC Calculator
Compare a fixed amortizing home equity loan with an immediately fully drawn HELOC that pays interest only during its draw period.
Ready to calculate
Savings
Mahila Samman Savings Maturity Calculator
Maturity = existing certificate deposit × (1 + annual rate / 4)^8.
Editable assumptions
Savings
PPF Partial Withdrawal Estimate
Amount ceiling = applicable percentage × smaller of the two relevant year-end balances.
Editable assumptions
Loans
Housing Interest Subsidy Scenario Calculator
Illustrative subsidy present value = present value of equal monthly interest support on the eligible loan portion, capped at the entered subsidy limit.
Editable assumptions
Tax
US Paycheck Scenario Calculator
Income taxes use your entered effective rates on wages after pre-tax deductions.
Editable assumptions
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