Free tools
Free Personal Finance Calculators
$10,000 invested at 7% for 30 years grows to about $76,000, but add $100 a month and the same starting balance becomes $194,000. The math isn't intuitive until you see it run on your own numbers. The calculators below pair with our plain-English explainers, run in your browser, and link to the full article that explains the formula each one uses.
29 calculators · more on the way
Compound Interest Calculator
See how a starting balance grows over time with compound interest, optional monthly contributions, and adjustable compounding frequency.
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Inflation Calculator
Calculate how much a future expense will cost in today's purchasing power, or how much purchasing power your savings lose to inflation over time.
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Interest Calculator
Calculate the interest earned on a savings account or owed on a loan over a chosen period, using either simple or compound interest.
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Emergency Fund Calculator
Calculate how long it will take to build a 3-month, 6-month, and 12-month emergency fund based on your monthly expenses, current savings, and what you can save each month.
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Savings Goal Calculator
Work out how long you'll need to reach a savings target, or how much you need to save each month to hit a target by a specific date.
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Credit Card EMI Calculator
Convert a credit card purchase into EMIs and compare 3, 6, 12, and 24-month tenures side by side, with the monthly EMI, total interest, the 18% GST line most calculators hide, and the true cost of a no-cost EMI.
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Credit Card Interest Calculator
See how many months and how much interest it takes to clear a credit card balance at your monthly payment, compared side by side with paying only the minimum, in ₹ (with 18% GST) or $.
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Loan Calculator
Calculate the monthly EMI, total interest paid, and total amount owed on a loan, and compare the same loan side-by-side at three different tenures to see how time changes the math.
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Salary Negotiation Impact Calculator
See the lifetime earnings impact of negotiating a higher starting salary, or compare staying at one job versus switching every few years over a 30-year career.
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PPF Maturity Calculator
Calculate the maturity amount, total contributed, and total interest earned on a Public Provident Fund account based on your annual contribution, lock-in period, and the current PPF interest rate.
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NPS Calculator
Project your National Pension System (NPS) corpus at retirement, split it into the mandatory annuity portion and the tax-free lump sum, and estimate your monthly pension across a realistic annuity-rate band.
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FD Calculator
Calculate the maturity value and total interest earned on a Fixed Deposit (FD in India) or Certificate of Deposit (CD in the US), comparing three tenures side by side at any compounding frequency.
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Debt Snowball vs Avalanche Calculator
Add your debts and compare the two payoff methods side by side: the snowball (smallest balance first) versus the avalanche (highest interest rate first), with months to debt-free and total interest for each, in INR or USD.
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RD Calculator
Calculate recurring deposit maturity using the standard quarterly-compounding formula, with a year-by-year growth table and the lump-sum comparison that shows why an RD's maturity sits below what its headline rate suggests. Reproduces the maturity value published in the scheme's own gazetted rules.
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Sukanya Samriddhi Yojana Calculator
Calculate the maturity amount of a Sukanya Samriddhi Yojana (SSY) account at the current 8.2% rate, with a full year-by-year growth table across the 15-year deposit period and the 6 extra compounding years to the 21-year maturity, plus total deposited and total tax-free interest.
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Post Office Monthly Income Scheme Calculator
Calculate the fixed monthly income from a Post Office Monthly Income Scheme (POMIS) deposit at the current 7.4% rate, with single and joint account limits, the 5-year total interest, and the principal returned at maturity.
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Senior Citizen Savings Scheme Calculator
Calculate the quarterly interest income from a Senior Citizen Savings Scheme (SCSS) deposit at the current 8.2% rate, with the monthly income equivalent, total interest over 5 or 8 years, the ₹30 lakh cap, and the principal returned at maturity.
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Kakeibo Calculator
A digital kakeibo ledger: set your monthly plan (income minus fixed costs minus a savings goal), log spending against the four categories (needs, wants, culture, unexpected), and see your spending money, category totals, and the four kakeibo questions answered, in ₹ or $.
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HRA Exemption Calculator
Calculate your tax-exempt House Rent Allowance under Section 10(13A) using the least-of-three Rule 2A formula, with a metro/non-metro toggle, the exact condition that caps your exemption, and the taxable remainder.
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Income Tax Calculator (India)
Compare your income tax under the old and new regimes for FY 2025-26, with a full side-by-side line-item breakdown, the Section 87A rebate, the marginal relief on the ₹12 lakh cliff that most calculators hide, surcharge, and 4% cess.
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EPF Calculator
Project your Employees' Provident Fund corpus at retirement, with the ₹15,000 EPS wage ceiling applied in the math, the 8.33% pension slice shown separately (because it earns no interest), a VPF input, the ₹2.5 lakh taxable-interest flag, and a full year-by-year table.
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Net Worth Calculator
Add up what you own and owe to find your net worth, in ₹ or $, with India-specific asset classes most calculators skip (EPF, PPF, NPS, gold, insurance surrender value), a liquid-assets line, correct home-equity handling, and a real Federal Reserve age benchmark.
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GST Calculator
Add or remove GST at the current post-reform slabs (5%, 18%, 40%), with the CGST/SGST vs IGST split, reverse GST from an inclusive price, an optional cess line, and the abolished 12% and 28% slabs kept only for pre-reform invoices.
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Take-Home Salary Calculator
Turn your annual CTC into monthly in-hand salary, with the old vs new tax regime side by side on the same CTC, a professional-tax state selector, the EPF ceiling toggle, gratuity at 4.81%, and the new Labour Code 50% basic floor that no other calculator models.
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Gratuity Calculator
Work out your gratuity under the Payment of Gratuity Act, with a covered vs not-covered toggle (the ÷26 and ÷30 formulas), correct year rounding from a years-and-months input, the ₹20 lakh statutory cap applied, the tax-free vs taxable split, and the new Labour Code fixed-term rule.
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EPS Pension Calculator
Estimate your monthly EPS-95 pension with the (salary × service) ÷ 70 formula, the ₹15,000 salary cap, the +2-year bonus for 20+ years of service, the ₹1,000 minimum, early and deferred pension by age, and a capped vs higher-pension toggle.
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NSC Calculator
Work out your National Savings Certificate maturity at the current 7.7% rate, with a year-by-year interest accrual table and the Section 80C twist competitors skip: the interest reinvested in years 1 to 4 is 80C-eligible, while the year-5 interest is paid out and taxable.
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KVP Calculator
Work out your Kisan Vikas Patra maturity at the current 7.5% rate, over the correct 115-month term, with the number every other KVP calculator leaves out: what you keep after tax. KVP doubles your money before tax, not after.
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APY Calculator
Find your Atal Pension Yojana contribution from the official PFRDA chart, then the figure no other APY tool computes: the actual return. APY is priced at about 8% a year whatever age you join, so joining early buys the same pension for less money, not a better rate.
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