Free Finance Calculators

Work out tax, take-home pay, loan EMIs and investment growth with calculators that show the formula and a year-by-year breakdown, not just one number.

Income Tax CalculatorFY 2026-27 new vs old regime comparison with 87A rebate, deductions, surcharge and cess.UK Tax CalculatorTake-home pay for 2026/27 after Income Tax, NI, student loan and pension. England, Wales, NI and Scotland.US Tax Calculator2026 take-home pay after federal and state income tax, Social Security and Medicare, for all 50 states and DC, any filing status.Canada Income Tax Calculator2026 take-home pay in every province and territory after federal and provincial tax, CPP/QPP, EI and RRSP.Capital Gains Tax CalculatorTax on a gain from shares, property or crypto: US 2026 (0/15/20% and NIIT), UK 2026/27 (18%/24%) and Australia (50% discount).Crypto Tax Calculator (India)Tax on crypto and VDA gains for FY 2026-27: 30% plus cess, 1% TDS credit, losses not set off.In-Hand Salary CalculatorSalary calculator for India: CTC to monthly take-home after PF, professional tax and income tax (FY 2026-27).Salary Hike CalculatorNew salary from a hike %, or the hike % between two salaries.Mortgage CalculatorMonthly mortgage payment with tax, insurance and PMI or CMHC, extra payments and an amortization schedule. US, UK, Canada, Australia, India.Loan CalculatorMonthly payment, total interest and an amortization schedule for any loan, in your currency, with extra payments.Car Loan CalculatorAuto loan payment with down payment, trade-in, sales tax, fees and an optional balloon, plus the full schedule.Personal Loan CalculatorMonthly payment, total interest and the real APR after an origination or processing fee.Student Loan CalculatorStudent loan payments with interest that builds up while you study, extra payments and a payoff date.Business Loan CalculatorWeekly or monthly business loan payments, fees and APR, including factor-rate loans.EMI CalculatorMonthly EMI, total interest and a year-by-year repayment table for home, car and personal loans.Interest Rate CalculatorConvert APR to APY or effective annual rate for any compounding, and find a loan's interest rate from its payment.Home Loan Eligibility CalculatorHow much home loan your salary supports, capped by RBI loan-to-value limits.SIP CalculatorSee how a monthly mutual fund SIP can grow, with an optional yearly step-up and a yearly value table.Lumpsum CalculatorFuture value of a one-time investment at an expected return.SWP CalculatorHow long a corpus lasts with fixed monthly withdrawals.Savings Goal CalculatorHow much to save each month to reach a goal by a date, or how long your monthly savings take, with interest.FD CalculatorFixed deposit (CD) maturity and interest with quarterly or monthly compounding.RD CalculatorRecurring deposit maturity value with bank-style quarterly compounding.PPF CalculatorPublic Provident Fund maturity at 7.1% with a year-by-year balance.EPF CalculatorPF balance at retirement with your current balance, raises and 8.25% interest.Sukanya Samriddhi CalculatorSSY maturity at 21 years with the current 8.2% rate.Retirement CalculatorInflation-adjusted retirement corpus and the monthly SIP needed.401(k) CalculatorYour 401(k) at retirement with the 2026 IRS limits ($24,500 plus catch-up), your employer match and yearly raises.Inflation CalculatorWhat money from any year is worth now and how its buying power changed, from official CPI data: US since 1913, UK since 1988.Compound Interest CalculatorFinal amount with any compounding frequency, vs simple interest.Simple Interest CalculatorInterest calculator for simple interest: SI = P × R × T ÷ 100 with the total amount.CAGR CalculatorCompound annual growth rate of any investment or business metric.ROI CalculatorReturn on investment and annualized ROI from what you paid, what you got back, fees, income and how long you held it.NPV, IRR & XIRR CalculatorNet present value and internal rate of return for yearly or dated cash flows, including XIRR for SIPs and mutual funds.HRA CalculatorFY 2026-27 HRA exemption with the new 8-city metro list.Gratuity Calculator15/26 formula, ₹20 lakh cap and new labour code rules.GST CalculatorAdd or remove GST at 5%, 18% or 40% with the CGST/SGST or IGST split. Works for VAT at any rate too.Currency ConverterConvert 160+ currencies with daily mid-market rates: USD, EUR, GBP, INR, AED and more.Discount CalculatorSale price with extra bank or coupon discounts stacked.Invoice GeneratorCreate a PDF invoice in any currency with your logo, tax and discounts. No sign-up or watermark.GST Invoice GeneratorFree GST tax invoice PDF with CGST/SGST or IGST, GSTIN check and amount in words.Rent Receipt GeneratorMonthly rent receipts PDF for HRA claims, with landlord PAN and revenue stamp boxes.Amount in WordsNumber to words in rupees with lakh and crore, for cheques and invoices.YouTube Money CalculatorEstimate YouTube ad earnings in rupees from daily views and RPM.

Salary and tax

Start with the In-hand salary calculator to see monthly take-home pay after PF and tax, then compare the new and old regimes in the Income tax calculator. The HRA, gratuity and salary hike calculators cover the other common payslip questions.

Loans and investments

The Loan calculator works out the monthly payment, total interest and amortization schedule for any loan in your currency, and the car, personal, student and business loan calculators add what each kind of loan needs: trade-in and sales tax, fees and APR, interest while you study, or weekly payments and factor rates. EMI calculator does the same for Indian loans, and Home loan eligibility estimates how much a bank may lend on your income. The Mortgage calculator works out house payments in the US, UK, Canada, Australia and India, with property tax, PMI or CMHC insurance and extra payments. For investing, compare SIP, lumpsum, FD, RD and PPF returns, and use the retirement calculator to see what corpus you need.

Returns, rates and inflation

Measure an investment with the ROI calculator (simple and annualized), or with NPV, IRR and XIRR when money goes in and out on different dates, such as a monthly SIP. The interest rate calculator turns an APR into the APY or effective rate and finds the real rate on a loan; the savings goal calculator works out the monthly saving a target needs; and the inflation calculator shows what money from past years is worth now, from official US and UK price data. In the US, the 401(k) calculator projects your balance with the 2026 limits and your employer match, and the capital gains tax calculator covers the US, UK and Australia.

Estimates, not advice

Results are estimates based on the rules and rates shown on each page. Banks, employers and tax rules can differ, so confirm important numbers with the lender, your employer or a tax adviser.

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