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Free Financial Calculators

215 fast, accurate money calculators — the same math banks and fund houses use, with zero sign-up and zero ads. Plan loans, SIPs, deposits, budgets and retirement, then track it all offline in the Expense Tracker: Income Manager app.

Loans & EMI

EMI CalculatorMonthly EMI, total interest and year-by-year balance for any loan.Home Loan Eligibility CalculatorHow much home loan your salary can actually get sanctioned.Car Loan CalculatorCar loan EMI, total interest and on-road cost breakdown.Personal Loan CalculatorPersonal loan EMI, total interest and true annual cost.Education Loan CalculatorStudy loan EMI including the moratorium period interest.Two Wheeler Loan CalculatorBike or scooter loan EMI and the real cost of ownership.Business Loan CalculatorBusiness loan EMI, total cost and effective rate with fees.Loan Against Property CalculatorHow much you can borrow against property, and the EMI.Gold Loan CalculatorHow much you can borrow against gold, and what it costs.Overdraft Interest CalculatorInterest on an OD or cash credit, charged only on usage.Loan Prepayment CalculatorHow much interest and time a prepayment actually saves.Loan Balance Transfer CalculatorWhether switching your loan to a lower rate is actually worth it.Moratorium Interest CalculatorWhat an EMI holiday really costs you in added interest.Flat vs Reducing Rate CalculatorThe real cost hidden behind a "low" flat interest rate.Loan Affordability CalculatorThe loan size your budget can genuinely carry, not just qualify for.Debt-to-Income Ratio CalculatorThe ratio lenders check first — and where you stand.Credit Card Payoff CalculatorMonths to debt-free and the interest you can dodge.EMI vs Rent CalculatorDirect monthly comparison of buying against renting.

Investments & Markets

SIP CalculatorFuture value of a monthly SIP, total invested and wealth gained.Step-Up SIP CalculatorSIP growth when you increase the instalment every year.Lumpsum CalculatorOne-time investment growth with the power of compounding.Goal SIP CalculatorThe monthly SIP needed to reach a target amount.SIP vs Lumpsum CalculatorWhich wins for the same money — monthly or all at once.STP CalculatorTransfer a lumpsum gradually while it keeps earning.SWP CalculatorHow long your corpus lasts with a monthly withdrawal.Mutual Fund Return CalculatorAbsolute and annualised returns on any fund investment.Index Fund CalculatorIndex fund growth and the true cost of expense ratio.PPF vs Mutual Fund CalculatorGuaranteed tax-free PPF against market-linked funds.CAGR CalculatorTrue annualised return between any two values.XIRR CalculatorTrue annualised return when you invested at irregular times.Absolute Return CalculatorTotal percentage gain and its annualised equivalent.ROI CalculatorReturn on investment, absolute and annualised.Compound Interest CalculatorGrowth with yearly, half-yearly, quarterly or monthly compounding.Simple Interest CalculatorClassic SI = P×R×T/100 with total amount payable.Simple vs Compound Interest CalculatorThe gap compounding creates over time.Stock Average CalculatorYour new average price after buying more shares.Stock Profit Loss CalculatorNet profit after brokerage, STT and taxes on a trade.Brokerage CalculatorAll-in trading costs for delivery and intraday orders.Dividend Yield CalculatorDividend income, yield and yield on your original cost.Bond Yield CalculatorCurrent yield and yield to maturity on any bond.Gold Investment CalculatorReturns on physical gold, ETFs and sovereign gold bonds.

Savings & Deposits

FD CalculatorFixed deposit maturity value with quarterly compounding.RD CalculatorRecurring deposit maturity for monthly savers.PPF Calculator15-year tax-free PPF corpus from yearly deposits.NSC CalculatorNational Savings Certificate maturity after 5 years.Kisan Vikas Patra CalculatorHow long KVP takes to double your money.Senior Citizen Savings Scheme CalculatorQuarterly income from SCSS for retirees.Sukanya Samriddhi CalculatorSSY maturity value for a daughter's education or marriage.Post Office MIS CalculatorGuaranteed monthly income from Post Office MIS.FD Laddering CalculatorSplit deposits across tenures for liquidity and yield.FD Premature Withdrawal CalculatorWhat breaking a fixed deposit early actually costs.Savings Account Interest CalculatorInterest on your savings balance and the real return.Emergency Fund CalculatorYour safety-net target and how fast you can build it.Emergency Fund Runway CalculatorHow many months your savings would actually last.Savings Goal CalculatorMonthly saving needed to hit any goal by any date.

Tax & Salary

Income Tax CalculatorTax payable under the new regime, slab by slab.Old vs New Tax Regime CalculatorWhich tax regime leaves you with more money.HRA Exemption CalculatorHow much of your House Rent Allowance is tax-free.80C Tax Saving CalculatorTax saved by using the full ₹1.5 lakh 80C limit.Capital Gains Tax CalculatorLTCG and STCG payable on shares, funds and property.Tax on FD Interest CalculatorTDS and net return after tax on fixed deposits.TDS CalculatorTax deducted at source on salary, rent, interest or contracts.Advance Tax CalculatorQuarterly advance tax instalments and due dates.Professional Tax CalculatorState professional tax deducted from your salary.GST CalculatorAdd or remove GST at 5%, 18% or 40% with CGST-SGST split.Reverse GST CalculatorExtract the base price and GST from an inclusive amount.GST Input Tax Credit CalculatorNet GST payable after claiming input tax credit.Take Home Salary CalculatorCTC to in-hand salary after PF, tax and deductions.CTC to In-Hand CalculatorDetailed salary structure breakdown from any CTC.Salary Hike CalculatorNew salary after a percentage hike, and the real gain.Gratuity CalculatorGratuity payable on leaving after five years of service.Leave Encashment CalculatorPayment for unused leave, and how much is tax-free.Overtime Pay CalculatorOvertime earnings at 1.5× or 2× the normal rate.Hourly to Annual Salary CalculatorConvert an hourly, daily or weekly rate into annual pay.Freelance Rate CalculatorThe hourly rate you must charge to hit an income target.

Retirement & Pension

Retirement CalculatorCorpus you need and the SIP that gets you there.EPF CalculatorProvident fund corpus at retirement with employer match.EPF Withdrawal CalculatorWhat you receive after tax when withdrawing PF.NPS CalculatorNational Pension System corpus, annuity and monthly pension.Atal Pension Yojana CalculatorAPY contribution for a guaranteed government pension.FIRE CalculatorThe corpus and years to financial independence.Coast FIRE CalculatorWhen you can stop investing and still retire on time.Financial Freedom CalculatorWhen passive income covers your monthly expenses.Net Worth CalculatorAssets minus liabilities — your true financial position.

Property & Family

Rent vs Buy CalculatorWhether buying beats renting over your time horizon.House Down Payment CalculatorHow much to save, and the SIP to get there.Rental Yield CalculatorGross and net rental yield on a property investment.Real Estate ROI CalculatorTotal return on property including rent and appreciation.Car Affordability CalculatorThe car price your income genuinely supports.Child Education CalculatorWhat your child's degree will cost and the SIP needed.Marriage Planning CalculatorFuture wedding cost and the SIP to fund it.Term Insurance CalculatorHow much life cover your family actually needs.Life Insurance Cover CalculatorCover needed using the income-multiple method.Health Insurance CalculatorThe health cover a family your size actually needs.

Budget & Everyday

50/30/20 Budget CalculatorSplit your salary into needs, wants and savings.Zero-Based Budget CalculatorAssign every rupee of income a job until nothing is left.Grocery Budget CalculatorA realistic monthly food budget for your household.Daily Expense CalculatorWhat small daily habits cost per year.Subscription Cost CalculatorWhat all your monthly subscriptions really cost per year.Bill Split CalculatorSplit a bill with tip and tax across any group.Tip CalculatorTip amount and total for any bill and party size.Expense Split CalculatorWho owes whom after a shared trip or household month.Fuel Cost CalculatorTrip and monthly fuel cost for any vehicle.Commute Cost CalculatorTrue annual cost of your commute across every mode.Cost Per Use CalculatorWhat something really costs each time you use it.Price Per Unit CalculatorWhich pack size is genuinely cheaper.Discount CalculatorFinal price after one or two stacked discounts.Sale Price CalculatorOriginal price from a sale price, and the discount given.Cashback & Rewards CalculatorWhat your credit card rewards are actually worth.Percentage CalculatorPercentage of a number, change, and reverse percentage.Inflation CalculatorFuture cost of expenses and the shrinking value of money.

Business & Pricing

Break Even CalculatorUnits and revenue needed to cover all costs.Profit Margin CalculatorGross, operating and net margin on any sale.Markup CalculatorSelling price from cost and desired markup or margin.Payback Period CalculatorHow long an investment takes to repay itself.Depreciation CalculatorAsset value over time by straight-line or WDV method.

United States

US401(k) CalculatorRetirement balance at 65 including your employer match.Roth IRA CalculatorTax-free retirement growth in a Roth IRA.Traditional IRA CalculatorTax-deferred IRA growth and the deduction value today.Roth vs Traditional IRA CalculatorWhich IRA leaves you with more after tax.US Mortgage CalculatorMonthly payment including taxes, insurance and PMI.Mortgage Payoff CalculatorInterest saved by paying extra each month.Mortgage Refinance CalculatorWhether refinancing saves money after closing costs.Closing Costs CalculatorTotal cash needed to close on a home purchase.US Take Home Pay CalculatorNet paycheck after federal tax, FICA and deductions.US Federal Income Tax CalculatorFederal tax owed, bracket by bracket.FICA Tax CalculatorSocial Security and Medicare taxes on your wages.US Student Loan CalculatorMonthly payment and payoff on federal or private loans.HSA CalculatorTriple tax-advantaged health savings growth.Social Security CalculatorMonthly benefit by claiming age, from 62 to 70.RMD CalculatorRequired minimum distributions from retirement accounts.529 College Savings CalculatorTax-free college savings and the cost you are targeting.Self-Employment Tax CalculatorSE tax, income tax and quarterly estimates for freelancers.US Rent vs Buy CalculatorWhether buying beats renting over your time horizon.US Auto Loan CalculatorCar payment including tax, title and trade-in.CD CalculatorCertificate of deposit maturity value and APY.US Credit Card Payoff CalculatorTime and interest to clear a card balance.US Home Affordability CalculatorThe home price your income actually supports.Student Loan Refinance CalculatorSavings from refinancing student loans to a lower rate.US Capital Gains Tax CalculatorFederal tax on investment gains, short and long term.PMI CalculatorPrivate mortgage insurance cost and when it drops off.HELOC CalculatorHome equity line of credit borrowing power and payments.FICA Tax CalculatorSocial Security and Medicare payroll taxes.W-4 Withholding CalculatorCheck whether your paycheck withholding is right.Property Tax CalculatorAnnual property tax and the monthly escrow amount.

United Kingdom

UKUK Take Home Pay CalculatorNet salary after Income Tax, National Insurance and pension.UK Income Tax CalculatorIncome Tax owed across basic, higher and additional bands.UK National Insurance CalculatorClass 1 NI for employees and Class 4 for the self-employed.UK ISA CalculatorTax-free ISA growth against a taxed account.Lifetime ISA CalculatorLISA growth including the 25% government bonus.UK Stamp Duty CalculatorSDLT owed on a property purchase in England.UK Mortgage CalculatorMonthly repayment, total interest and affordability.UK Pension CalculatorPension pot at retirement with employer contributions and tax relief.UK Student Loan CalculatorRepayments by plan and whether you will ever clear it.UK Capital Gains Tax CalculatorCGT owed on shares, property or crypto.UK Dividend Tax CalculatorTax on dividend income above the £500 allowance.UK Buy to Let CalculatorRental yield and profit after mortgage and tax.UK State Pension CalculatorState Pension based on your qualifying NI years.Salary Sacrifice CalculatorTax and NI saved by sacrificing salary into pension.UK Inheritance Tax CalculatorIHT owed on an estate after all allowances.UK Council Tax CalculatorCouncil tax by band, with discounts applied.UK Capital Gains Tax CalculatorCGT on shares and property after the annual exemption.Mortgage Overpayment CalculatorInterest and years saved by overpaying your mortgage.Remortgage CalculatorWhether switching mortgage deals saves money.Child Benefit CalculatorChild Benefit received and the high income charge.Marriage Allowance CalculatorTax saved by transferring personal allowance to a spouse.

Europe

DEGermany Income Tax CalculatorGerman income tax, solidarity surcharge and social security.IEIreland Income Tax CalculatorIrish income tax, USC and PRSI on your salary.FRFrance Income Tax CalculatorFrench income tax using the family quotient system.NLNetherlands Income Tax CalculatorDutch box 1 income tax with credits and the 30% ruling.ESSpain Income Tax CalculatorSpanish IRPF income tax and social security.ITItaly Income Tax CalculatorItalian IRPEF plus regional and municipal surcharges.PTPortugal Income Tax CalculatorPortuguese IRS income tax and social security.CHSwitzerland Tax CalculatorSwiss federal, cantonal and communal tax plus social insurance.SESweden Income Tax CalculatorSwedish municipal and state income tax.

Canada

CARRSP CalculatorRRSP growth and the tax refund your contribution generates.TFSA CalculatorCompletely tax-free savings growth in a TFSA.Canada Income Tax CalculatorFederal and provincial income tax combined.Canada Take Home Pay CalculatorNet paycheque after tax, CPP and EI by province.CACPP Benefit CalculatorCanada Pension Plan benefit by starting age.

Australia & New Zealand

AUSuperannuation CalculatorAustralian super balance at retirement with employer SG.Australia Income Tax CalculatorAustralian income tax and Medicare levy.Australia Take Home Pay CalculatorNet pay after tax, Medicare and HECS.HECS-HELP Repayment CalculatorStudent debt repayments and years to clear.NZNew Zealand Income Tax CalculatorNZ PAYE income tax, ACC levy and KiwiSaver.

Asia

SGSingapore Income Tax CalculatorSingapore income tax and CPF contributions.SGSingapore CPF CalculatorCPF contributions across OA, SA and MA accounts.HKHong Kong Salaries Tax CalculatorHong Kong salaries tax at progressive or standard rate.JPJapan Income Tax CalculatorJapanese national and residence tax plus social insurance.MYMalaysia Income Tax CalculatorMalaysian income tax with reliefs and EPF.THThailand Income Tax CalculatorThai personal income tax with allowances and deductions.PHPhilippines Income Tax CalculatorBIR income tax with SSS, PhilHealth and Pag-IBIG.IDIndonesia Income Tax CalculatorPPh 21 income tax with PTKP allowances.

Middle East & Africa

ZASouth Africa Income Tax CalculatorSARS PAYE with age-based rebates and UIF.AEUAE Salary CalculatorUAE net salary, gratuity and savings potential.

Global & Everyday

Debt Snowball CalculatorClear debts smallest-first for motivation and momentum.Debt Avalanche CalculatorClear debts highest-rate first to minimise interest.VAT CalculatorAdd or remove VAT at any rate.Sales Tax CalculatorUS sales tax added to any purchase.Cost of Living Comparison CalculatorSalary you need in another city to keep your lifestyle.Savings Rate CalculatorYour savings rate and years to financial independence.Car Lease vs Buy CalculatorWhich costs less over your ownership period.Crypto Profit CalculatorProfit, loss and break-even on a crypto position.Millionaire CalculatorHow long until your savings reach a million.Rule of 72 CalculatorHow long money takes to double at any rate.Dollar Cost Averaging CalculatorAverage purchase price when investing regularly.Present Value CalculatorWhat a future sum is worth in today's money.Future Value CalculatorWhat money today grows into over time.Annuity CalculatorIncome an annuity pays, or the cost to buy one.Loan Comparison CalculatorCompare two loan offers side by side.Purchasing Power CalculatorWhat money today will actually buy in the future.Cost of Living CalculatorSalary needed to match your lifestyle in another city.Freelance Rate CalculatorThe hourly rate you must charge to hit your income goal.Childcare Cost CalculatorWhether returning to work pays after childcare.Remittance Cost CalculatorThe true cost of sending money abroad.

Why use these calculators?

Every calculator on this page uses the exact formulas Indian banks, NBFCs and mutual funds use — reducing-balance EMIs, quarterly-compounded FDs and RDs, yearly-compounded PPF, and SIP future value with monthly compounding. The results match your sanction letter or deposit receipt, not a rough estimate.

They are also completely free, work on any phone, load instantly, and never ask for your number or email. Start with the goal you have today: a loan EMI you are about to sign, a SIP you have been postponing, the emergency fund everyone says you need, or the big one — retirement.

Calculate, then track

A calculator tells you the plan; an expense tracker tells you the truth. Expense Tracker: Income Manager keeps budgets, EMIs, savings goals, bill reminders and a 30-day cash-flow forecast on your phone — no account, no sign-up, no cloud sync, and no ads. Your calculations become budgets you can actually keep.

Put the plan on autopilot

Download Expense Tracker: Income Manager — budgets, group splits, loan EMI reminders, savings goals and a financial health score. No account. No cloud. No ads.