Calculators
33 calculators, and the working behind each.
The same maths the app runs on your own ledger — free here, on typical figures, with the year-by-year table you can check.
Loans & EMI
What it costs to borrow, and what prepaying buys back.
Home loan EMIHow much EMI will this home loan cost, and how much of it is interest?CalculateLoan prepaymentIf I prepay a lump sum, how many EMIs does it remove and how much interest does it save?CalculateEMIWhat is the EMI on any loan, and what does the interest add up to?CalculateCar loan EMIWhat does a car actually cost once it is financed?CalculateBike loan EMIWhat does a two-wheeler cost once it is financed?CalculatePersonal loan EMIWhat does an unsecured loan really cost once the processing fee is counted?CalculateInvesting & returns
What a SIP, a lumpsum or a fund becomes.
SIPWhat does this monthly SIP become, and how much of it is returns?CalculateLumpsumWhat does a one-time investment grow to, and how much of it is returns?CalculateSWPIf I draw a monthly income from this corpus, how long does it last?CalculateCAGRWhat annual return did this investment actually deliver?CalculateCompound interestWhat does this grow to, and how much of it is interest on interest?CalculateSimple interestWhat does simple interest come to, and what does it cost against compounding?CalculateELSSWhat does a tax-saving fund return after 80C and after LTCG?CalculateGoldPhysical, SGB or ETF — what is this gold worth after tax?CalculateRetirement & long-term
The corpus, and whether it lasts.
RetirementHow big a corpus do I need to retire, and what must I save each month to get there?CalculateFIRE — financial independenceWhen could I stop working, and what corpus does stopping actually need?CalculateNPSWhat monthly pension will NPS pay me, and how much can I take as cash at 60?CalculateEPFWhat will my EPF passbook be worth by the time I retire?CalculatePPFWhat does a PPF account mature to, and does it beat an FD once tax is paid?CalculateSukanya SamriddhiWhat will a Sukanya Samriddhi account be worth by the time my daughter needs it?CalculateGratuityHow much gratuity do I get when I leave, and does the ₹20 lakh cap bite?CalculateTax
What the year owes, under either regime.
Income taxHow much tax does this year owe, and is the old or the new regime cheaper?CalculateHRA exemptionHow much of my house rent allowance is exempt from tax?CalculateTDSHow much tax gets deducted at source before this payment reaches me?CalculateCapital gains taxWhat tax will I pay if I sell this, and is it cheaper to wait?CalculateGSTHow much GST is on this price, or inside it?CalculateStamp dutyWhat will stamp duty and registration cost on this property?CalculateSavings & deposits
Deposits, small-savings schemes and what they mature to.
Fixed depositWhat does this FD mature to, and what does TDS take out of it?CalculateRecurring depositWhat does putting a fixed amount away every month mature to?CalculateTake-home salaryWhat actually lands in my account each month, and which tax regime is better?CalculatePlanning
Decisions with two answers — rent or buy, now or later.
Rent vs buyShould I buy this house or keep renting and invest the difference?CalculateSubscriptionsWhat do the subscriptions really cost over ten years, and what if that money were invested instead?CalculatePercentageWhat is this much of that — GST, a discount, a hike, or what share of my income something takes?Calculate