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Calculators that show their working
Loans, savings, tax, trading, health, dates and unit conversions. Each calculator has a plain-language guide, worked examples and the formula, and everything runs in your browser.
Loans and EMI
Work out instalments, total interest and what prepaying saves before you sign for a loan.
EMI calculatorAn EMI (equated monthly instalment) is the fixed amount you pay each month until a loan is cleared.Home loan calculator with prepaymentA home loan runs for many years, so small prepayments can save a large amount of interest.Flat rate to effective rate calculatorSome lenders and dealers quote a flat rate.Loan affordability calculatorBefore applying for a loan, find a comfortable ceiling.Rent versus buy calculatorIs buying better than renting? It depends on the loan rate, how much the home price and rents grow, and what you could earn by investing instead.Prepay loan or invest calculatorIf you have spare money each month, should it go to the loan or to investments? This calculator compares the two ways over the rest of the loan term.
Savings and investing
SIP, lump sum, FD, RD, PPF, goals, inflation and retirement: see how money may grow, with honest assumptions.
SIP calculatorA systematic investment plan (SIP) puts a fixed amount into an investment every month.Step-up SIP calculatorMost people earn more over time, so raising your SIP each year is natural.Lumpsum investment calculatorIf you invest a single amount today and leave it, compounding does the rest.SWP (systematic withdrawal) calculatorA systematic withdrawal plan (SWP) takes a fixed amount out of your investments each month.Fixed deposit (FD) calculatorA fixed deposit pays a set interest rate for a set time.Recurring deposit (RD) calculatorA recurring deposit lets you save a fixed amount every month at a fixed rate.PPF calculatorThe Public Provident Fund is a long-term government savings scheme in India.Compound interest calculatorCompound interest means interest earns interest.Simple interest calculatorWith simple interest, interest is charged only on the original amount.CAGR calculatorCAGR is the steady yearly rate that would turn your starting value into your ending value.Savings goal calculatorStart from the goal and work backwards.Inflation calculatorInflation raises prices over time, so the same money buys less.Retirement corpus calculatorThis calculator estimates the savings you need on the day you retire to fund your spending until a cautious end age, and the monthly saving required to close any gap.Savings growth calculatorStart with what you have, add a monthly deposit, and see how it might grow.Emergency fund calculatorAn emergency fund is money you can reach quickly if income stops or a big bill arrives.
Business, tax and percentages
GST, margins, break-even, discounts, percentages, gratuity and HRA for everyday money questions.
GST calculatorUse this to work out the GST on a price, or to find the price before GST when you only know the bill total.Margin and markup calculatorMarkup and margin are both ways to describe profit, but they are not the same number.Break-even calculatorYour break-even point is the sales level where you stop losing money.Discount calculatorWork out what you pay after a discount, or how big a discount really is.Percentage calculatorOne tool for the percentage questions that come up most: find a share, find a percent, add or remove a percentage, or work back to the whole.Percentage change calculatorCompare a new value with an old one.Gratuity calculatorGratuity is a lump sum an employer pays on leaving after long service.HRA exemption calculatorIf you pay rent and receive HRA, part of it can be exempt from tax under the old tax regime.Progressive tax illustrationIn a progressive tax system each slice of income is taxed at its own rate.Income tax calculator: old versus new regime (India)Enter your income and, if you want the old regime, your deductions.Salary calculator: CTC to monthly in-hand (India)CTC is not what reaches your bank account.
Trading and risk
Position size, risk-reward, average price and drawdown recovery for people who trade or invest actively.
Position size calculatorPosition sizing decides how much you can lose if a trade fails.Risk-reward and expectancy calculatorA trade is worth taking only if the reward justifies the risk and your win rate.Average price calculatorWhen you buy the same share in several lots at different prices, your cost per share is the weighted average.Drawdown recovery calculatorLosses are harder to recover than they look.
Health
BMI and daily calorie estimates, with the limits of each number spelled out.
Date and time
Age, days between dates, adding days and counting working days.
Age calculatorEnter a date of birth to see an exact age.Date difference calculatorFind how long it is between two dates, as days, as weeks and days, and as years, months and days.Add or subtract days from a dateUse this to find a due date, a notice period end, a warranty expiry or a date 90 days ago.Working days calculatorCount business days for deadlines, notice periods and delivery estimates.
Unit converters
Length, weight, temperature, area, volume and speed, including units used in India.
Length converterConvert any length unit into any other.Weight and mass converterConvert weights between metric, imperial and units used in India such as the quintal and the tola.Temperature converterConvert a temperature between Celsius, Fahrenheit and Kelvin.Area converterConvert land and floor areas between metric units, square feet, acres and the gunta used in parts of India.Volume converterConvert liquid and cooking volumes between metric and US or UK units.Speed converterConvert speeds between road, running, ship and aviation units.
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