Personal tools
Calculators and everyday utilities for households, savers and borrowers
EMI / Loan Calculator
Work out the monthly instalment on any loan — home, car, personal or business — along with the total interest you will pay over its life.
Mortgage Calculator
The payment a lender quotes is rarely the payment you make. This adds property tax and insurance to principal and interest, so you see the whole monthly figure.
Loan Prepayment Calculator
Put a lump sum or a little extra each month against your loan and see exactly what it buys you — in interest saved and in months removed from the term.
Amortisation Schedule
See where each payment actually goes. A year-by-year breakdown of interest, principal and the balance left on your loan.
Refinance & Balance Transfer Calculator
A lower rate is not automatically a better deal. Weigh the saving against the switching cost and see how long you need to stay for the move to pay off.
Flat vs Reducing Rate Converter
A flat rate always sounds cheaper than it is. Convert it to the reducing-balance rate a bank would have to quote for the same repayment.
True APR Calculator
Processing fees, insurance and charges deducted at disbursal all raise what you actually pay. This restates the headline rate as the rate you are really being charged.
Compound Interest Calculator
See what a lump sum grows to over time, and how much of the final figure is interest rather than the money you put in.
SIP Calculator
Project what investing a fixed amount every month grows to — and see how much of the final figure you contributed versus what the market did.
Step-up SIP Calculator
Raise your monthly investment a little each year as your income grows, and see how much difference that single habit makes over a full term.
SWP Withdrawal Calculator
Draw a monthly income from a lump sum and find out how long it lasts — the question that matters most once you stop earning.
Savings Goal Calculator
Start from the number you need and the date you need it by, and find out what that means every month.
Retirement Calculator
Two numbers decide a retirement plan: what you will need, and what you are on course to have. This puts them side by side.
XIRR Calculator
The only honest way to measure a portfolio you have added to and withdrawn from at irregular intervals. Paste your dated cashflows and get the annualised return.
CAGR Calculator
Turn a start value, an end value and a number of years into the single annual rate that connects them.
Inflation-adjusted Return Calculator
A 9% return with 6% inflation is not a 9% return. See what your money is really earning once inflation and tax have taken their share.
Income Tax Estimator
Enter your income and your country’s tax bands to get the tax due, your effective rate and what is left. Works anywhere, because you supply the bands.
CTC to In-hand Salary Calculator
The number on your offer letter is not the number in your account. This walks through every deduction between cost to company and monthly take-home.
Gratuity Calculator
Work out the end-of-service payment your years of service have earned, using your last drawn salary.
Overtime Pay Calculator
Work out a full week’s pay when some of those hours were overtime — at time and a half, double time, or whatever your agreement says.
Notice Period & Leave Encashment Calculator
Leaving a job usually involves money moving in both directions. Set the notice you did not serve against the leave you did not take.
Capital Gains Tax Calculator
Work out the tax on selling an asset, and what actually lands in your account once costs and exemptions are accounted for.
Percentage Calculator
Every percentage question answered from the same two numbers — what percentage of, what percentage is, and how much it changed.
Discount Calculator
Find the real price after a discount — including stacked offers, where the headline percentages never simply add up.
Tip Splitter
Split a bill and its tip across the table, with an option to round each share to something people can actually hand over.
Fuel Cost Calculator
What a journey actually costs in fuel — and what the same trip costs you over a month of repeating it.
BMI & Health Calculator
Body mass index with the healthy range for your height — and an honest note on what the number can and cannot tell you.
Date & Time Calculator
Days between two dates, working days excluded from weekends, and the date that falls a given number of days from now.
Unit Converter
Convert between metric and imperial across length, mass, volume, area, speed and temperature.
Budget Planner
Set your actual spending against the 50/30/20 rule and see, category by category, where the money is going wrong.