Financial
Financial calculators
Loans, tax, investments and the India finance cluster.
India Finance
EMI, income tax, PPF, NPS, SIP, GST and more — built for Indian rules and rupee amounts.
Loans & Mortgages
Mortgage, auto, personal, student and business loans, plus amortization and affordability tools.
Debt & Credit
Credit-card payoff, debt consolidation, DTI, APR and simple/compound interest.
Retirement & Investing
401(k), IRA, annuities, future/present value, ROI, IRR and investment growth.
Tax & Income
Salary, sales tax, VAT, take-home pay, marriage tax and estate tax.
Real Estate & Rental
Investment property cash flow, rental yield and rent affordability.
General Financial
Inflation, savings, budget, currency, margin, depreciation, discount and more.
All financial calculators
EMI CalculatorMonthly EMI, total interest and a year-by-year amortization schedule for any home, car or personal loan.Income Tax Calculator (Old vs New Regime)Compare your income tax under the Old and New regimes for FY 2025-26 and see which one saves you more.HRA Exemption CalculatorWork out the tax-exempt portion of your House Rent Allowance under Section 10(13A).PPF CalculatorProject the maturity value of your Public Provident Fund across the 15-year lock-in at the current rate.NPS CalculatorEstimate your National Pension System corpus at 60, the lump sum, and your monthly pension.EPF CalculatorProject your Employees' Provident Fund maturity from monthly contributions, salary growth and interest.Gratuity CalculatorCalculate the gratuity payable on leaving a job under the Payment of Gratuity Act.Sukanya Samriddhi Yojana CalculatorEstimate the maturity amount of an SSY account: deposits for 15 years, maturity at 21 years.SIP CalculatorSee how much your monthly mutual-fund SIP could grow into, with invested vs returns breakdown.Lumpsum CalculatorProject the future value of a one-time investment with annual compounding.Post Office FD / RD CalculatorMaturity value for Post Office Time Deposit (FD) and Recurring Deposit (RD) schemes.GST CalculatorAdd or remove GST at any slab and split the tax into CGST and SGST.Stamp Duty CalculatorEstimate stamp duty and registration charges on a property purchase, by state and buyer gender.Capital Gains Tax CalculatorEstimate LTCG/STCG tax on equity and property under the current (post-July 2024) rules.Loan CalculatorMonthly payment, total interest and amortization for any fixed-rate loan.Mortgage CalculatorEstimate your full monthly mortgage payment including principal, interest, property tax and insurance.Auto Loan CalculatorCar loan monthly payment after down payment, trade-in and sales tax.Personal Loan CalculatorMonthly payment, interest and an origination-fee-adjusted cost for a personal loan.Student Loan CalculatorEstimate the monthly repayment and total interest on a student loan.Business Loan CalculatorMonthly payment and total financing cost for a business loan including fees.Boat Loan CalculatorEstimate monthly payments on a boat or marine loan.VA Mortgage CalculatorEstimate a VA loan payment with the funding fee financed and no down payment.FHA Loan CalculatorFHA payment with the 1.75% upfront MIP financed and monthly mortgage insurance.Canadian Mortgage CalculatorMortgage payment using Canada's semi-annual compounding convention.UK Mortgage CalculatorMonthly repayment mortgage estimate in pounds sterling.Home Equity Loan CalculatorHow much you can borrow against your home equity, and the monthly payment.HELOC CalculatorInterest-only draw payment and the repayment-phase payment for a home equity line of credit.Refinance CalculatorMonthly savings and break-even point when refinancing a mortgage.Mortgage Payoff CalculatorSee how extra monthly payments shorten your mortgage and cut total interest.Mortgage Amortization CalculatorFull year-by-year breakdown of principal, interest and balance over a mortgage.Amortization CalculatorGenerate an amortization schedule for any installment loan.Payment CalculatorFind the fixed monthly payment for a given loan amount, rate and term.Down Payment CalculatorDown payment amount, the resulting loan, and the monthly payment.Rent vs. Buy CalculatorCompare the monthly cost of buying a home against renting.House Affordability CalculatorThe maximum home price you can afford from income, debts and a debt-to-income limit.Lease CalculatorMonthly lease payment from capitalized cost, residual value and money factor.Auto Lease CalculatorCar lease payment including any down payment (cap-cost reduction).Credit Card CalculatorHow long it takes to clear a credit-card balance at a fixed monthly payment, and the interest cost.Credit Card Payoff (Target Date)The monthly payment needed to clear a credit-card balance by a chosen number of months.Debt Payoff CalculatorPayoff time and interest for any debt at a fixed monthly payment.Debt Consolidation CalculatorCompare your current debts with a single consolidation loan to see the new payment and savings.Debt-to-Income Ratio CalculatorYour DTI ratio — a key number lenders use to assess loan eligibility.Repayment CalculatorWork out the regular repayment on a loan, with total interest.Cash Back vs Low Interest CalculatorCompare a manufacturer cash rebate against a low-interest finance offer on a vehicle.APR CalculatorEffective Annual Percentage Rate of a loan once fees are folded into the cost.Interest Rate CalculatorBack out the interest rate of a loan from its amount, payment and term.Interest CalculatorCompare the simple and compound interest earned on a deposit.Simple Interest CalculatorInterest and total from the simple-interest formula I = P × r × t.Compound Interest CalculatorFuture value with compound interest and optional regular contributions.Retirement CalculatorProject your retirement corpus from current savings and monthly contributions.401(k) CalculatorProject your 401(k) balance including the employer match.IRA CalculatorGrow a Traditional IRA from annual contributions and an expected return.Roth IRA CalculatorProject a Roth IRA's tax-free balance from annual contributions.RMD CalculatorRequired Minimum Distribution from a retirement account using the IRS Uniform Lifetime Table.Pension CalculatorAnnual pension from a defined-benefit formula: years × accrual rate × final salary.Social Security CalculatorEstimate your monthly Social Security benefit from your average indexed earnings (bend points).Annuity CalculatorFuture value of an annuity built from regular monthly contributions.Annuity Payout CalculatorThe fixed monthly income a lump sum can pay out over a chosen period.Investment CalculatorEnd balance of an investment with a starting amount plus regular contributions.Mutual Fund CalculatorInvestment growth net of the fund's expense ratio.CD CalculatorMaturity value of a Certificate of Deposit at a fixed APY.Bond CalculatorPrice a bond as the present value of its coupons plus face value at a market yield.IRR CalculatorAnnualized internal rate of return between an initial and final value.ROI CalculatorReturn on investment as a percentage, with an annualized figure.Present Value CalculatorWhat a future sum is worth today, discounted at a given rate.Future Value CalculatorWhat a sum today grows to, with optional monthly contributions.Average Return CalculatorCompound annual growth rate (CAGR) of an investment over time.Payback Period CalculatorHow long an investment takes to repay its initial cost from annual cash flow.Salary CalculatorConvert pay between hourly, weekly, monthly and annual.Sales Tax CalculatorAdd or remove sales tax from a price.VAT CalculatorAdd or remove Value Added Tax from a price.Marriage Tax CalculatorEstimate the marriage penalty or bonus from combining two incomes (illustrative US brackets).Take-Home Paycheck CalculatorEstimate net pay after taxes and deductions.Estate Tax CalculatorEstimate federal estate tax above the lifetime exemption.Real Estate Investment CalculatorProject a property's future resale value and total appreciation gain over your holding period.Rental Property CalculatorAnalyze a rental: NOI, cap rate and cash-on-cash from rent, expenses and financing.Rent Affordability CalculatorHow much rent you can comfortably afford from your income (30% rule).Currency CalculatorConvert an amount using an exchange rate you supply.Finance Calculator (TVM)Time-value-of-money: future value from a present value, rate, term and monthly payment.Inflation CalculatorHow prices grow and purchasing power erodes over time.Savings CalculatorGrow savings from an initial deposit plus regular monthly deposits.Budget CalculatorSplit your income with the 50/30/20 rule: needs, wants and savings.College Cost CalculatorProject the future cost of college and the monthly savings needed to fund it.Margin CalculatorSelling price, profit and markup from cost and a target margin.Depreciation CalculatorStraight-line depreciation: annual expense and book-value schedule.Commission CalculatorCommission earned on a sale and the net to the company.Discount CalculatorFinal price and amount saved after a discount.Percent Off CalculatorQuickly take a percentage off a price.