Free Financial Calculators
95+ calculators for loans, investments, savings, taxes, and more.
Loans & Debt
EMI calculators, amortization schedules, debt payoff strategies, and refinancing tools.
Loan EMI Calculator
Calculate your equated monthly installment for any loan amount, tenure, and interest rate.
Amortization Schedule
View a month-by-month breakdown of principal and interest payments over the life of your loan.
Mortgage Affordability
Find out the maximum home price you can afford based on your income, debts, and down payment.
Refinance Savings
Compare your current loan with a refinanced loan to see monthly and total savings.
Debt Payoff Calculator
Compare avalanche and snowball strategies to find the fastest, cheapest way to eliminate debt.
Credit Card Payoff
See how long it takes to pay off a credit card balance with minimum or fixed payments.
Compound Interest
Calculate how your money grows with compound interest over time at various frequencies.
Interest-Only Loan
Compare interest-only payments with fully amortizing payments to understand total cost differences.
Auto Loan Calculator
Calculate monthly payments and total cost for a car loan including taxes and fees.
Student Loan Repayment
Compare repayment plans for student loans and see total cost under each scenario.
Debt-to-Income Ratio
Calculate your DTI ratio and see how lenders evaluate your borrowing capacity.
Extra Payment Impact
See how additional monthly payments reduce your loan tenure and total interest paid.
Prepayment Savings
Calculate interest saved and tenure reduction from a lump-sum prepayment on your loan.
Bi-Weekly vs Monthly
Compare bi-weekly and monthly payment schedules to see years and interest saved.
Investing & Wealth Growth
SIP, CAGR, XIRR, retirement planning, FIRE, and dividend calculators.
SIP Calculator
Calculate the future value of systematic monthly investments at an expected rate of return.
Lump Sum Growth
Project the future value of a one-time investment at a given rate of return.
CAGR Calculator
Calculate the compound annual growth rate between a beginning and ending value.
XIRR Calculator
Calculate the internal rate of return for irregular cash flows with specific dates.
Future Value
Calculate the future value of a present sum given a rate of return and time period.
Present Value
Determine the current worth of a future sum discounted at a given rate.
Rule of 72
Quickly estimate how many years it takes to double your money at a given interest rate.
Retirement Corpus
Calculate the total corpus needed for retirement and the monthly investment to get there.
FIRE Number
Calculate your Financial Independence, Retire Early target and the years to reach it.
Safe Withdrawal Rate
Model portfolio longevity under different annual withdrawal rates and market scenarios.
Dividend Yield
Calculate current yield and yield on cost for dividend-paying investments.
Dividend Reinvestment
See how reinvesting dividends compounds your share count and income over time.
Inflation Adjusted Returns
Compare nominal returns with real (inflation-adjusted) returns to see true purchasing power growth.
Goal-Based Investment
Calculate the monthly investment needed to reach a specific financial goal by a target date.
Fixed Deposit / GIC
Compare maturity values and effective annual rates across different fixed deposit tenures.
Millionaire Timeline
Calculate how many years until you reach one million (or any target) with regular investments.
Savings & Cashflow
Emergency fund, budgeting, savings goals, and expense planning tools.
Emergency Fund
Calculate your ideal emergency fund size and monthly savings needed to build it.
50/30/20 Budget
Split your after-tax income into needs, wants, and savings using the popular budgeting rule.
Savings Goal
Calculate the monthly savings needed to reach a target amount by a specific date.
Expense Runway
Calculate how many months your current savings will last at your current spending rate.
Pay Yourself First
Allocate a savings percentage from your income first, then see what remains for spending.
Salary Hike Impact
See how a salary increase changes your monthly take-home and where to allocate the raise.
Bonus Allocation
Split a bonus or windfall into savings, investments, debt payoff, and fun money.
Big Purchase Planner
Plan and save for a major purchase, comparing cash savings versus financing options.
Vacation Savings Goal
Calculate weekly or monthly savings needed to fund your vacation by the departure date.
Annual Savings Projection
Project your total savings for the year based on monthly income, expenses, and seasonal variations.
Currency & Cross-Border
Salary conversion, PPP comparison, remittance fees, and relocation budgeting.
Salary Conversion
Convert a salary between currencies and break it down into annual, monthly, and hourly equivalents.
PPP Lifestyle Comparison
Compare purchasing power parity between countries to see what your salary really buys.
Remittance Fee Comparison
Compare transfer costs across providers to find the cheapest way to send money abroad.
FX Fee Calculator
Calculate the total cost of a foreign exchange transaction including spread and fees.
Country Relocation Budget
Estimate one-time and recurring costs of relocating to a new country.
FX Gain/Loss
Separate investment returns into asset performance and currency movement components.
Cross-Country Salary Comparison
Compare net salaries across countries after taxes, deductions, and cost-of-living adjustments.
Gold & Precious Metals
Gold purity, unit conversion, melt value, and portfolio allocation calculators.
Gold Unit Converter
Convert gold weight between grams, ounces, tolas, sovereigns, and other common units.
Gold Purity Calculator
Calculate pure gold content based on karat rating or fineness.
Jewelry Melt Value
Calculate the raw metal value of jewelry based on weight, purity, and current spot price.
Making Charge Impact
See how making charges, wastage, and GST affect the total cost and break-even price of jewelry.
Gold Average Cost
Track your average cost per gram across multiple gold purchases over time.
Silver Unit Converter
Convert silver weight between grams, troy ounces, kilograms, and other units.
Portfolio Gold Allocation
Check if your gold holdings are within the recommended allocation range for your portfolio.
Wedding Gold Planner
Plan and save for wedding gold purchases with target weight, budget, and timeline.
Real Estate
Rent vs buy, rental yield, cap rate, property ROI, and mortgage tools.
Rent vs Buy
Compare the total long-term cost of renting versus buying a home.
Rental Yield
Calculate gross and net rental yield on an investment property.
Cap Rate
Calculate the capitalization rate to evaluate and compare investment properties.
Cash on Cash Return
Calculate the annual return on the actual cash invested in a rental property.
Property ROI
Calculate total return on a property investment including rental income and appreciation.
Property Appreciation
Project the future value of a property based on historical or expected appreciation rates.
Down Payment Calculator
Compare monthly payments and PMI costs at different down payment percentages.
Closing Costs Estimator
Estimate total closing costs for a home purchase including all fees and taxes.
Vacancy Impact
See how different vacancy rates affect your rental property yield and income.
Home Equity Growth
Track how your home equity grows through mortgage payments and property appreciation.
Maintenance Reserve
Calculate the annual maintenance budget for a property based on age, size, and condition.
Mortgage vs Rent Over Time
Compare cumulative mortgage and rent costs over 30 years to find the break-even point.
Family & Life Goals
Education fund, marriage planning, life insurance, and inheritance calculators.
Child Education Fund
Calculate the corpus needed for your child's education and the monthly SIP to build it.
Education Inflation
Project future education costs using education-specific inflation rates.
Marriage Corpus Planner
Plan and save for wedding expenses with an inflation-adjusted target and savings timeline.
Life Insurance Need
Calculate the life insurance coverage your family needs to maintain their lifestyle.
Elder Care Fund
Estimate the fund needed for parents' or elders' care expenses over their remaining years.
Inheritance Split
Calculate fair inheritance distribution among beneficiaries with different allocation rules.
Generational Wealth Projection
Project how wealth grows or depletes across generations with different saving and spending patterns.
Couples Finance Planner
Calculate fair contribution splits for couples with different incomes sharing expenses.
Tax & Income
Take-home salary, capital gains, dividend tax, RSU vesting, and retirement account tools.
Take-Home Salary
Calculate your net salary after all taxes, deductions, and contributions.
Capital Gains Tax
Calculate tax owed on investment gains with short-term and long-term rate comparison.
Dividend Tax
Calculate tax on dividend income and see your net dividend after tax withholding.
RSU Vest Tax
Calculate the tax impact and net value when restricted stock units vest.
Salary Increment Impact
See how a raise changes your tax bracket, net income, and the actual amount you keep.
Contractor vs Employee
Compare total compensation as an independent contractor versus a salaried employee.
Freelancer Tax Reserve
Calculate how much freelancers should set aside for quarterly estimated tax payments.
401k / IRA Impact
Compare traditional and Roth retirement accounts to see which saves more in taxes over time.
RRSP / TFSA Impact
Compare RRSP and TFSA strategies to optimize tax-advantaged savings in Canada.
Bonus Tax Impact
Calculate effective tax on a bonus and see the difference between withholding and actual tax owed.
Financial Ratios & Utils
Net worth ratio, liquidity ratio, savings rate, and risk assessment tools.
Net Worth Ratio
Compare your net worth against age-based benchmarks and the expected net worth formula.
Liquidity Ratio
Calculate how many months of expenses your liquid assets can cover.
Savings Rate
Calculate your savings rate and compare it against FIRE movement benchmarks.
Debt Ratio
Calculate your total debt as a percentage of total assets to assess financial health.
Financial Independence Ratio
Track your progress toward financial independence as a ratio of passive income to expenses.
Housing Affordability
Check if your housing costs are within recommended ratios for your income.
Investment Allocation
Check your portfolio allocation against age-based and risk-based model portfolios.
Country Exposure
Analyze geographic concentration risk in your investment portfolio.
Cash Reserve Months
Calculate how many months of essential expenses your cash reserves cover.
Risk Capacity Score
Assess your financial capacity to take investment risk based on objective factors.