All Financial Calculators

401(k) Retirement Calculator: Employer Match & Growth Estimator

Calculate 401(k) growth with employer match, IRS limits ($23.5k/$7.5k catch-up), salary increases, and Traditional vs Roth tax trade-offs.

Atal Pension Yojana (APY) Calculator

Calculate Atal Pension Yojana (APY) monthly auto-debit contributions across entry ages 18-40, guaranteed pension tiers, and PFRDA nominee corpus return.

Gratuity Calculator: Payment of Gratuity Act Amount & Tax Exemption

Calculate statutory gratuity payout under Payment of Gratuity Act 1972. Estimate tax-free gratuity exemption under Section 10(10) up to ₹20 Lakhs.

FIRE Calculator: Calculate Financial Independence & Early Retirement Corpus

Calculate your target FIRE corpus, early retirement age, and Coast FIRE milestone under Lean, Standard, and Fat FIRE strategies.

NPS Calculator: Calculate National Pension System Corpus, Pension & Tax Savings

Calculate your NPS Tier 1 retirement corpus at age 60, 60% tax-free lump-sum, monthly pension stream, and Section 80CCD(1B) tax savings.

Pension & Annuity Calculator: Monthly Payouts, EPS-95 & Tax Audit

Calculate guaranteed monthly pension income, annuity options, EPFO EPS-95 pensions, Section 10(10A) tax-free commutation, and SWP yield comparisons.

Provident Fund (EPF & VPF) Calculator: Retirement Decision Engine

Calculate EPF maturity balance, 12% employee contributions, VPF top-up boosters, 8.25% EPFO interest rate, and Section 10(11) tax thresholds.

Retirement Corpus Calculator: Estimate Target Nest Egg & SIP Savings

Calculate inflation-adjusted retirement corpus requirements. Estimate monthly SIP investments needed for comfortable post-retirement independence.

Voluntary Provident Fund (VPF) Calculator

Calculate Voluntary Provident Fund (VPF) retirement corpus, EPFO notified interest (8.25% p.a.), Section 10(11) ₹2.5L tax-free cap, and 80C tax savings.

Life Event Calculators

Alimony Calculator: Spousal Support, Duration & Cash Flow Planner

Estimate monthly spousal support payments, duration timelines, lifetime obligations, lump-sum buyout present value, and post-support cash flow.

Baby Cost Calculator: First-Year & Multi-Year Financial Planner

Estimate complete first-year baby expenses across nursery gear, delivery medical OOP, diapers, childcare, health insurance, parental leave, and 529 savings.

Child Support Calculator: Custody, Income Shares & Add-On Planner

Estimate monthly child support payments, proportional income shares, shared-custody cross-credits, health insurance add-ons, and post-support cash flow.

Divorce Settlement Calculator: Asset Division & Equalization Planner

Calculate marital asset and debt division, equalization payments, home equity buyouts, QDRO retirement offsets, and post-settlement net worth.

Wedding Budget Calculator: Cost Breakdown & Savings Planner

Calculate total wedding costs across 13 categories, estimate cost per guest, model required monthly savings, and plan a 10% contingency buffer.

Loan & EMI Calculators

Refinance & Balance Transfer Savings Calculator (Cumulative Break-Even Analysis)

Calculate estimated net savings, monthly EMI reduction, and cumulative cash-flow break-even months when refinancing loans.

Car Loan Calculator: Auto EMI & 5-Year True Cost of Ownership Engine

Calculate car loan EMIs, down payments, 5-year total ownership costs, EV electricity vs petrol fuel savings, and Section 80EEB tax benefits.

Education Loan Calculator: Student EMI & Section 80E Tax Savings Engine

Calculate post-study education loan EMIs, moratorium interest accrual, Section 80E 100% uncapped tax savings, and target EMI reverse solvers.

EMI Calculator: Instant Loan Repayment & Amortization Schedule

Calculate your loan EMI instantly for home, personal, or car loans. View principal vs interest breakdowns, amortization schedules, and repayment strategies.

Home Loan Calculator: Estimate EMI & Mortgage Amortization

Calculate your monthly home loan EMI, required down payment, processing fees, and amortization schedule. Compare interest rates to save lakhs on housing debt.

Loan Amortization Schedule Calculator: Interactive Monthly & Yearly Repayment Table

Generate a month-by-month loan amortization schedule. Simulate prepayments, view principal vs interest splits, export CSV schedules, and track tax savings.

Loan Eligibility Calculator: FOIR & Borrowing Power Estimator

Calculate your maximum borrowing capacity for home, personal, and car loans using bank FOIR formulas and RBI LTV caps. Estimate affordable EMIs based on income.

Loan Prepayment Calculator: Calculate Interest Savings & Reduced Tenure

Calculate exact interest savings and tenure reduction by making lump-sum or recurring prepayments on your home, personal, or car loan.

Personal Loan Calculator: Auto EMI & Effective APR Decision Engine

Calculate personal loan EMIs, effective APR with 18% GST on fees, credit card debt consolidation savings, and FOIR borrowing affordability.

Rent vs Buy Calculator (Housing Financial Decision Engine)

Compare long-term net worth of buying a home vs renting & investing initial capital & monthly savings in equity SIPs over 10-30 years.

Business & Corporate Finance Calculators

Break-Even Analysis Calculator (Unit Sales & Revenue CVP Threshold)

Calculate unit break-even point, sales revenue threshold, contribution margin ratio, and safety margin. Free business break-even calculator.

Burn Rate & Runway Calculator: Startup Cash Solvency & Zero Cash Date

Calculate startup Gross Burn, Net Burn Rate and Cash Runway online. Model Zero Cash Date (ZCD), Default Alive trajectories and cost-cutting runway scenarios.

Customer Acquisition Cost (CAC) Calculator: Blended vs Paid CAC

Calculate Customer Acquisition Cost (CAC), Blended CAC, Paid CAC & Payback Period online. Measure marketing efficiency, organic multipliers & unit economics.

Current Ratio (Working Capital Ratio) Calculator: Liquidity & Solvency Analysis

Calculate Current Ratio online. Measure working capital ratio, net working capital (NWC), short-term solvency, quick ratio comparison & balance sheet health.

Customer Lifetime Value (CLV) Calculator: LTV to CAC & Unit Economics

Calculate Customer Lifetime Value (CLV / LTV), LTV:CAC ratio & payback period online. Benchmark SaaS & E-Commerce unit economics and cohort retention schedules.

Debt Service Coverage Ratio (DSCR) Calculator: Commercial Loan Underwriting

Calculate Debt Service Coverage Ratio (DSCR) online. Evaluate commercial real estate, business loan covenants, maximum borrowing capacity & stress test models.

Depreciation Calculator: SLM, WDV, DDB & Asset Amortization Schedule

Calculate asset depreciation online using Straight-Line (SLM), WDV, Double Declining (DDB), and SYD methods. Complete yearly schedule & tax shield savings.

Equity Dilution Calculator: Cap Table & Option Pool Shuffle

Calculate startup equity dilution, post-money valuation, option pool shuffle impact and share price online. Model multi-round venture financing cap tables.

IRR Calculator: Internal Rate of Return, MIRR & Hurdle Rate Analysis

Calculate Internal Rate of Return (IRR) & Modified IRR (MIRR) online. Analyze project NPV, Hurdle Rate spreads, Profitability Index & cash flow schedules.

MRR / ARR Calculator: SaaS Net New Waterfall & Run-Rate Revenue

Calculate MRR, Run-Rate ARR, Net New MRR, NRR % and SaaS Quick Ratio online. Model 12-month forward ARR growth trajectories and SaaS valuation multiples.

Net Present Value (NPV) & Internal Rate of Return (IRR) Calculator

Calculate Net Present Value (NPV), Internal Rate of Return (IRR), MIRR, and Profitability Index for capital investments and projects.

Payback Period Calculator (Simple & Discounted Payback)

Calculate Simple Payback Period, Discounted Payback Period (time value of money), Net Present Value (NPV), and Profitability Index for business projects.

Profit Margin & Markup Calculator

Calculate Gross Profit Margin %, Net Profit Margin %, Cost-Plus Markup %, and target selling prices for desired business unit economics.

Quick Ratio (Acid-Test Ratio) Calculator: Short-Term Liquidity Analysis

Calculate Quick Ratio (Acid-Test Ratio) online. Evaluate short-term liquidity, current ratio, cash ratio, quick working capital & balance sheet solvency.

Return on Assets (ROA) Calculator: DuPont Asset Efficiency & Productivity

Calculate Return on Assets (ROA) online. Perform 2-step DuPont analysis, Operating ROA (EBIT), asset turnover velocity & capital intensity diagnosis.

Return on Equity (ROE) Calculator: DuPont Analysis & Capital Efficiency

Calculate Return on Equity (ROE) online. Perform 3-step DuPont analysis, Return on Assets (ROA), Sustainable Growth Rate (SGR) & shareholder value diagnosis.

Startup Valuation Calculator: Scorecard, Berkus & VC Methods

Calculate pre-money & post-money startup valuation online using Scorecard, Berkus, VC Exit & ARR Multiple methods. Model seed & Series A venture valuations.

Working Capital Calculator: Current Ratio, CCC & Liquidity Analysis

Calculate Net Working Capital (NWC), Current Ratio, Quick Ratio, and Cash Conversion Cycle (CCC). Optimize liquidity, trapped cash, and overdraft interest.

Investment Calculators

CAGR Calculator: Compound Annual Growth Rate Formula & Analysis

Calculate Compound Annual Growth Rate (CAGR) for stocks, mutual funds, real estate & gold. Measure annualized returns, real CAGR, and benchmark comparison.

Compound Interest Calculator

Calculate compound interest for daily, monthly, quarterly, and annual compounding frequencies, recurring deposits, EAR / APY, and real value.

Discounted Cash Flow (DCF) Calculator (Intrinsic Share Price & WACC Valuation)

Calculate Enterprise Value, Equity Value, Intrinsic Share Price, Margin of Safety, and 2D WACC Sensitivity Matrix using Discounted Cash Flow (DCF) valuation.

Goal-Based SIP Calculator (Target Corpus Reverse Solver)

Calculate required monthly SIP (PMT) to reach any target financial goal, inflation-adjusted goals, and starting SIP with 10% annual Step-Up.

Inflation Calculator (Purchasing Power & Price Growth)

Calculate future inflated cost (FV = PV × (1+i)ⁿ), eroded purchasing power, cumulative price inflation %, and Fisher real investment returns.

Lumpsum Calculator: Mutual Fund Compound Interest Returns

Calculate future wealth growth for one-time mutual fund lumpsum investments. View estimated capital gains, compounding schedules, and growth benchmarks.

Mutual Fund Returns Calculator: Estimate SIP & Lumpsum CAGR / XIRR Gains

Calculate mutual fund returns, CAGR, XIRR, and net wealth growth for SIP and lumpsum investments. Compare equity, hybrid, and index fund performance.

Simple Interest Calculator

Calculate simple interest (I = P × r × t) across Days, Months, or Years, compare against compound interest, and audit real purchasing power.

SIP Calculator: Calculate Mutual Fund Returns & Wealth Corpus

Calculate your Systematic Investment Plan (SIP) returns instantly. View wealth accumulation, total invested capital, estimated returns, and growth schedules.

Step-up SIP Calculator: Goal Solver & Top-Up Investment Engine

Calculate how annual top-ups (step-up %) boost your mutual fund SIP returns. Reverse solve starting SIP for ₹1 Crore goals and beat inflation.

SWP Calculator: Systematic Withdrawal Plan & Monthly Income Simulator

Calculate regular monthly mutual fund cash withdrawals. Model portfolio longevity, inflation step-up, sequence of returns risk, and Budget 2024 SWP tax rules.

XIRR Calculator (Extended Internal Rate of Return)

Calculate Extended Internal Rate of Return (XIRR) for irregular SIPs, top-ups, partial redemptions, and mutual fund portfolios.

Personal/Salary Calculators

50/30/20 Budget Calculator: Needs, Wants & Savings Breakdown

Calculate your 50/30/20 budget online. Split salary into Needs, Wants & Savings. Compare 60/20/20 & FIRE rules and project 10-year compound wealth growth.

Budget Calculator: Income, Expenses, Savings & Cash Flow Planner

Plan your personal budget, track essential vs discretionary spending, compare 50/30/20 benchmarks, and model cash flow savings scenarios.

College Savings Calculator: 529 Planning, Future Costs & Growth Engine

Calculate future college costs with education inflation. Project 529 investment growth, analyze funding gaps, and determine required monthly contributions.

CTC to Take-Home Salary Breakdown Calculator

Decompose Cost to Company (CTC) into Basic Salary, HRA, EPF deductions, income tax, and estimated monthly in-hand take-home salary.

Net Worth Calculator: Assets, Liabilities & Wealth Balance Sheet

Calculate personal net worth, liquid net worth, investable assets, home equity, debt-to-asset ratio, wealth concentration, and future wealth projections.

Salary Calculator: Gross to Net Take-Home Pay & Compensation Engine

Calculate annual, monthly, weekly, and hourly take-home pay, progressive taxes, payroll deductions, reverse gross-up salary, and dual job offer comparisons.

Student Loan Calculator: Monthly Payment, Payoff & Refinancing Engine

Calculate student loan payments online. Compare Avalanche vs Snowball payoff strategies, evaluate refinancing savings, and explore IDR forgiveness models.

Take-home Salary Calculator: In-Hand Pay & Deductions (FY 2025-26)

Calculate net monthly take-home salary from gross CTC under FY 2025-26 Budget New Tax Regime. Estimate income tax, ₹75k standard deduction, and EPF.

Real Estate Calculators

Cap Rate Calculator (Capitalization Rate & Property Valuation)

Calculate Capitalization Rate (Cap Rate %), Net Operating Income (NOI), implied property valuation at target cap rates, and operating expense ratios.

Cash-on-Cash Return Calculator (Leveraged Real Estate Yield)

Calculate Cash-on-Cash Return % for rental property investments. Model annual pre-tax cash flow, NOI, debt service, total cash invested, and Cap Rate.

Gross Rent Multiplier Calculator (GRM) — Estimate Property Value from Gross Rental Income

Calculate Gross Rent Multiplier, implied property value from target GRM, gross rent yield, and sensitivity analysis. Free online GRM calculator.

Home Affordability Calculator (Institutional Borrowing & Purchasing Power Engine)

Calculate how much home you can afford based on gross income, existing debt obligations, down payment savings, interest rates, and RBI LTV ceilings.

Property Valuation Calculator (Income Capitalization Approach)

Estimate income-implied property valuation from NOI and Target Cap Rate. Model current cap rate, valuation gap, and 2D sensitivity analysis.

Rental Yield & Property ROI Calculator (Gross Yield, Net Yield, Cap Rate)

Calculate Gross Rental Yield %, Net Rental Yield %, Cap Rate %, Net Operating Income (NOI), and Cash-on-Cash Return for residential or commercial property.

Stamp Duty Calculator: State-Wise Property Registration & Duty Charges

Calculate state-wise property stamp duty and registration charges in India. Instant estimates for Maharashtra, Delhi, Karnataka, UP, with female rebate & 80C.

Health & Benefits Calculators

COBRA Cost Calculator: Health Insurance Continuation & Alternatives

Calculate monthly and total COBRA health insurance premiums, employer subsidy loss, out-of-pocket medical costs, and compare vs ACA Marketplace plans.

FSA Calculator: Flexible Spending Account Savings & Paycheck Engine

Calculate FSA tax savings, paycheck deductions, and healthcare expenses. Compare FSA vs cash, model carryover rules, and analyze break-even spending.

Health Insurance Premium & Coverage Needs Calculator

Calculate recommended health insurance sum insured, medical inflation impact, employer cover gap, super top-up, and Section 80D tax savings.

HSA Calculator: Health Savings Account Growth & Tax Savings Engine

Calculate HSA triple tax savings, compound investment growth, and stealth IRA transitions. Compare HSA vs 401(k) and model medical out-of-pocket costs.

Term Life Insurance Needs Calculator (HLV & DIME Coverage Model)

Calculate your estimated term life insurance coverage need based on debts, income replacement, education goals, and existing resources. Free HLV tool.

Medicare Calculator: Parts A, B, D, IRMAA & Plan Comparison

Calculate Medicare Part A, Part B premiums, IRMAA surcharges, Part D drug costs, and compare Original Medicare vs Medigap vs Medicare Advantage.

Term Life Insurance Calculator: Sum Assured, Premium & HLV Analysis

Calculate term life insurance sum assured & premium online. Use DIME & Human Life Value (HLV) methods. Compare Pure Term vs TROP & calculate Sec 80C savings.

Tax Calculators

Capital Gains Tax Calculator: Equity, Property & Asset Tax Rates (FY 2025-26)

Calculate STCG & LTCG capital gains tax for FY 2025-26 (AY 2026-27) under Budget 2024 rules. Estimate tax liabilities for stocks, equity MFs, property & gold.

GST Calculator: Goods & Services Tax Rate Estimator (FY 2025-26)

Calculate GST inclusive and exclusive amounts online. Instant CGST, SGST, IGST split for 5%, 12%, 18%, and 28% tax slabs with worked examples.

HRA Calculator: House Rent Allowance Tax Exemption (Sec 10(13A))

Calculate House Rent Allowance (HRA) tax exemption online under Section 10(13A). Estimate exempt vs taxable HRA for Metro & Non-Metro cities accurately.

Income Tax Calculator FY 2025-26: New Tax Regime Slabs

Calculate income tax liability for FY 2025-26 (AY 2026-27) under the New Tax Regime. Estimate taxable income, Section 87A rebate, and net take-home salary.

TDS Calculator: Tax Deducted at Source Rate & Net Payout Estimator

Calculate Tax Deducted at Source (TDS) for salary, professional fees, contractor payments, and bank FD interest. View net cash payout and 26AS credit.

VAT Calculator: Value Added Tax Amount & Rate Estimator

Calculate VAT inclusive and exclusive prices online. Instant Value Added Tax calculation for standard (20%), reduced (5%), and zero-rate tax items.

Currency & Cost Calculators

Cost of Living Calculator: City Relocation, Budget Comparison & Salary Parity

Compare cost of living between two cities. Calculate housing, utilities, food & transit differentials, salary parity requirements and geo-arbitrage savings.

Currency Converter: Live Foreign Exchange (FX) & Cross-Rate Calculator

Calculate foreign currency conversions instantly. Mid-market reference exchange rates, inverse cross-rates, bank spread fee simulator & multi-currency matrix.

Import Duty Calculator: Customs Valuation, Landed Cost & Tariff Surcharges

Calculate import customs duty, social welfare surcharge, compounded import GST/VAT, and total landed cost per unit across CIF and FOB valuation standards.

Purchasing Power Calculator: Real Cash Value, Inflation Decay & Wage Growth

Calculate how inflation erodes your money's buying power over time. Compute real purchasing power, future equivalent cost, halving years & real wage growth.

Remittance Fee Calculator: True FX Spread & Cross-Border Transfer Cost

Calculate money transfer fees, hidden FX markups, recipient bank deductions, and effective net payout across 20+ global currency transfer corridors.

Credit & Debt Calculators

Credit Card Payoff & Debt Avalanche Calculator (Highest APR First Strategy)

Calculate exact credit card payoff timelines, interest savings, and strategy comparisons between Debt Avalanche (highest APR first) and Debt Snowball.

Debt Avalanche Calculator (Highest Interest Rate First)

Model Debt Avalanche debt payoff by targeting highest interest APR debts first. Calculate total interest saved, debt-free timeline, and compare vs Snowball.

Debt Snowball vs Debt Avalanche Calculator (Multi-Loan Repayment Engine)

Compare Debt Avalanche vs Debt Snowball strategies. Calculate total interest saved, debt-free date, and payoff sequence for credit cards and loans.

Debt-to-Income (DTI) Ratio Calculator (Front-End & Back-End Analysis)

Calculate your Front-End & Back-End Debt-to-Income (DTI) ratio. Analyze educational debt-burden bands and illustrative 36% & 43% DTI benchmarks. Free DTI tool.

Crypto Calculators

Crypto Profit/Loss Calculator: Net ROI, Cost Basis & Break-Even Exit Price

Calculate cryptocurrency profit/loss, ROI %, net proceeds, exchange trading fees, network gas costs, and break-even exit price across all major digital assets.

Crypto Tax Calculator: Multi-Jurisdiction Capital Gains & Income Engine

Calculate crypto capital gains tax, ordinary income on staking/mining, cost basis, holding periods, and tax liabilities across the US, India, UK, and more.

Dollar Cost Averaging (DCA) Calculator: Periodic Investment & Cost Basis Engine

Calculate Dollar Cost Averaging (DCA) returns, unit accumulation, average cost basis, fee drag, and compare DCA vs Lump-Sum across market scenarios.

Gas Fee Calculator: Ethereum & EVM Transaction Cost Engine

Calculate Ethereum and EVM gas fees, EIP-1559 base and priority fees, gas limit vs actual usage, batch costs, and fiat transaction pricing.

Impermanent Loss Calculator: DeFi Liquidity Pool vs HODL Engine

Calculate impermanent loss, constant-product AMM rebalancing, LP vs HODL portfolio returns, and break-even trading fee APR for DeFi liquidity pools.

Crypto Mining Profitability Calculator: Hashrate, Power Cost & Payback

Calculate cryptocurrency mining profitability, daily net revenue, electricity costs, hardware payback, and break-even coin price for ASIC and GPU miners.

NFT Royalty Calculator: Creator Earnings & Secondary Resale Fee Engine

Calculate NFT creator royalties, marketplace fees, seller net proceeds, lifetime multi-sale resale earnings, and marketplace enforcement risks.

Crypto Staking Rewards Calculator: APY, Compounding & Validator Fees

Calculate cryptocurrency staking yields, compounding frequencies, validator commissions, net token earnings, and fiat return on investment (ROI).

Token Vesting Calculator: Crypto & Web3 Unlock Schedule Engine

Calculate token vesting schedules, cliff periods, linear unlock tranches, TGE allocations, vested vs unvested token valuations, and price sensitivity.

Yield Farming APY Calculator: DeFi Liquidity Mining & Compounding Engine

Calculate DeFi yield farming APY, compounding frequencies, deposit fees, reward token price volatility, and net returns across liquidity mining pools.

Deposit & Savings Calculators

Emergency Fund Calculator (Essential Expenses & Reserve Planning)

Calculate your estimated emergency fund target based on essential monthly expenses, job stability, and dependents. Plan your liquid cash buffer.

Fixed Deposit (FD) Calculator: Quarterly Compounding & TDS Estimator

Calculate fixed deposit (FD) maturity values with quarterly compounding, monthly income payouts, senior citizen rate bonus, and Section 194A TDS.

FD vs Debt Mutual Fund Calculator (Post-Tax Fixed Income Decision Engine)

Compare post-tax maturity returns of Bank Fixed Deposits vs Debt Mutual Funds & Equity Arbitrage Funds under Section 50AA and Section 112A rules.

Kisan Vikas Patra (KVP) Calculator

Calculate Kisan Vikas Patra (KVP) 115-month doubling maturity payouts, 7.5% p.a. interest, 30-month premature encashment tables, and tax slab impact.

National Savings Certificate (NSC) Calculator: 5Y Maturity & Sec 80C

Calculate National Savings Certificate (NSC) 5-year maturity returns, 7.7% annual compounding interest, and Section 80C tax savings.

Post Office Monthly Income Scheme (POMIS) Calculator

Calculate Post Office Monthly Income Scheme (POMIS) monthly interest payouts, 7.4% p.a. rate, single and joint account limits, and tax slab impact.

Public Provident Fund (PPF) Calculator: 15-Year EEE Tax-Free Growth

Calculate Public Provident Fund (PPF) 15-year statutory maturity corpus, 5-year extension blocks, Section 80C tax savings, and EEE tax-free interest.

Recurring Deposit (RD) Calculator: Quarterly Bank Compounding

Calculate Recurring Deposit (RD) maturity values with quarterly bank compounding, senior citizen rate bonus, Section 194A TDS, and RD vs SIP comparison.

Senior Citizens Savings Scheme (SCSS) Calculator: Quarterly Income & Tax Audit

Calculate Senior Citizens Savings Scheme (SCSS) quarterly payouts, ₹30L/₹60L statutory caps, Section 80C/80TTB tax savings, Section 194A TDS, and Form 15H.

Sukanya Samriddhi Yojana (SSY) Calculator: 8.2% Tax-Free Corpus

Calculate Sukanya Samriddhi Yojana (SSY) maturity corpus, 8.2% annual interest, 15-year deposit limit, 50% education withdrawal, and EEE tax savings.