Finance tools

Projects lump-sum growth from principal, rate, years and compounding frequency. Use when forecasting a one-time deposit; differs from sip-calculator by single deposit vs monthly contributions. Returns maturity value, interest and schedule. 100% client-side.

Projects SIP wealth from monthly amount, expected return, years and timing. Use when planning recurring fund contributions; differs from compound-interest-calculator by monthly deposits vs lump sum. Returns maturity value, invested total and chart. 100% client-side.

Computes EMI from principal, rate and tenure with full amortization. Use for any generic loan estimate; differs from auto-loan by generic terms vs vehicle fees and down payment. Returns EMI, total interest and schedule. 100% client-side.

Plans home-loan payoff from balance, rate, term and extra payments. Use when weighing extra payments or refinance; differs from loan-emi-calculator by escrow, taxes and payoff focus. Returns payoff date, interest saved and schedule. 100% client-side.

Measures smoothed annual growth from start value, end value and years. Use when comparing investments over time; differs from roi-calculator by annualized rate vs total return. Returns CAGR %, total growth and yearly table. 100% client-side.

Measures total return from amount invested and amount returned. Use for single-holding profit checks; differs from cagr-calculator by overall % vs annualized rate. Returns ROI %, net gain and cost breakdown. 100% client-side.

Computes margins from revenue and cost or price inputs. Use when pricing products; differs from roi-calculator by per-sale margin and markup vs investment return. Returns gross margin %, net margin and markup %. 100% client-side.

Plans savings from target amount, deadline, current savings and rate. Use when hitting a dated goal; differs from retirement-savings by short-term target vs lifelong corpus. Returns monthly amount, schedule and shortfall. 100% client-side.

Estimates income tax from income, deductions and filing regime. Use when comparing old vs new regime liability; differs from capital-gains-tax by salary income vs asset-sale gains. Returns tax payable, effective rate and slab split. 100% client-side.

Estimates tax from buy price, sell price, holding period and asset type. Use when selling stocks, property or funds; differs from income-tax-calculator by asset gains vs salary income. Returns taxable gain, tax due and STCG/LTCG split. 100% client-side.

Plans multi-debt payoff from balances, APRs, minimums and monthly budget. Use when comparing snowball vs avalanche; differs from credit-card-payoff by multiple debts vs single card. Returns debt-free date, interest total and order. 100% client-side.

Plans single-card payoff from balance, APR and monthly payment. Use when clearing one card fastest; differs from debt-payoff by single card vs multi-debt snowball/avalanche. Returns months to payoff, interest cost and schedule. 100% client-side.

Computes DTI from gross monthly income and debt payments. Use when checking loan eligibility; differs from home-affordability by ratio check vs max house budget. Returns DTI %, front/back-end split and risk band. 100% client-side.

Finds break-even from fixed costs, price and variable cost per unit. Use when pricing a venture; differs from profit-margin-calculator by units to cover costs vs margin %. Returns break-even units, revenue and safety margin. 100% client-side.

Estimates car payments from price, down payment, trade-in, rate and term. Use when shopping vehicle financing; differs from loan-emi-calculator by auto fees vs generic loan. Returns monthly payment, total cost and schedule. 100% client-side.

Estimates education-loan payments from principal, rate, term and grace options. Use when comparing repayment plans; differs from auto-loan by study terms vs vehicle purchase. Returns monthly payment, interest and schedule. 100% client-side.

Estimates affordable home price from income, debts, down payment and rate. Use before house hunting; differs from mortgage-payoff by max budget vs existing-loan payoff. Returns affordable price, monthly payment and DTI check. 100% client-side.

Compares renting vs buying from rent, price, down payment, rate and horizon. Use when deciding to buy or rent; differs from home-affordability by side-by-side costs vs max budget. Returns cheaper option and break-even year. 100% client-side.

Projects retirement corpus from age, savings, contributions and expected return. Use when planning nest egg and withdrawals; differs from savings-goal-calculator by lifelong horizon vs dated target. Returns corpus, shortfall and projection. 100% client-side.

Projects FD maturity from principal, rate, tenure and payout frequency. Use for one-time term deposits; differs from recurring-deposit by lump sum vs monthly deposits. Returns maturity value, interest earned and growth table. 100% client-side.

Projects RD maturity from monthly deposit, rate and tenure. Use for monthly fixed-income saving; differs from fixed-deposit by recurring deposits vs one-time lump sum. Returns maturity value, deposits total and interest. 100% client-side.

Plans house down payment from target price, percent, timeline and savings rate. Use when saving for a first home; differs from savings-goal-calculator by closing costs vs generic goal. Returns monthly savings needed and milestones. 100% client-side.

Adds or strips VAT/GST from net or gross amounts at any rate. Use at checkout or invoicing; differs from tip-calculator by tax compliance vs gratuity. Returns net, tax and gross amounts with rate breakdown. 100% client-side.

Computes flat interest from principal, rate and time without compounding. Use for short-term loans or quick estimates; differs from compound-interest-calculator by linear growth vs compounding. Returns interest, total payable and split. 100% client-side.

Adjusts money for inflation from amount, rate and years. Use when valuing future costs; differs from compound-interest-calculator by purchasing power vs investment growth. Returns future cost, real value today and yearly table. 100% client-side.

Totals net worth from listed assets and liabilities. Use for periodic wealth checkups; differs from emergency-fund by full balance sheet vs months of expenses. Returns net worth, asset/liability split and ratio. 100% client-side.

Sizes an emergency buffer from monthly expenses and months of cover. Use when building a safety net; differs from savings-goal-calculator by expense coverage vs dated target. Returns target fund, monthly plan and progress. 100% client-side.

Converts amounts across currencies using live exchange rates. Use for travel or invoicing FX checks; differs from unit-converter by money vs physical units. Returns converted amount and rate. Server fetches public rates; inputs stay local.

Discount a future lump sum or stream of payments back to today. Result stays in your browser

Net present value of a series of cash flows at a discount rate. Result stays in your browser

Internal rate of return for a series of periodic cash flows. Result stays in your browser

Annualized return for irregularly dated cash flows, Excel-style. Result stays in your browser

Full monthly amortization schedule for a fixed-rate loan: EMI, per-payment principal/interest split, and running balance. Downloadable as CSV