Financial Calculators
40 toolsInterest, investments, savings and tax tools.
Interest
Compound InterestFuture value, total interest and APY with optional regular deposits, withdrawals and a full breakdown.Simple InterestFinal balance, interest accrued and end date using the classic I = P × r × t formula, with optional deposits and withdrawals.Daily CompoundFuture value with interest compounded daily — including weekend exclusion, partial reinvestment and optional deposits or withdrawals.APYConvert a nominal interest rate and compounding frequency into the effective annual percentage yield (APY), and see the one-year interest earned and ending balance for any principal.SWPPlan a Systematic Withdrawal Plan: see your remaining corpus, total withdrawn, return earned and the exact month your money runs out from a lump sum, monthly withdrawal, expected return and tenure, with a balance-over-time chart. Matches Groww and ClearTax.AnnuityCalculate the present value or future value of an annuity — a stream of equal periodic payments — for ordinary (end-of-period) or annuity-due (start-of-period) timing, at any payment frequency. Multi-currency.Present ValueDiscount a future lump sum or a series of periodic payments back to today's money using the PV = FV / (1 + r)^n formula, with adjustable compounding frequency, optional annuity and a year-by-year discount table. Multi-currency.
Savings
PPFPublic Provident Fund maturity value, total interest and a year-by-year breakdown, with the ₹1.5 lakh yearly limit and 15-year tenure.Savings GoalFind the required monthly (or periodic) deposit to reach a savings goal — from your target amount, starting balance, time horizon, and expected return rate.Savings PlanProject how much your savings will grow from regular deposits at a chosen interest rate — see final balance, total contributed and interest earned.
General
FDFixed deposit maturity value, interest earned and year-by-year growth from the deposit amount, rate, tenure and compounding frequency — quarterly, monthly, half-yearly or yearly.InflationSee the future value of money and its purchasing power over time — the future cost of an amount and what a fixed sum is worth in today’s money — from an average inflation rate or two CPI index values, with a year-by-year chart. Supports deflation.ROICalculate return on investment — your total (simple) ROI and the annualized ROI (CAGR) — plus net gain and investment multiple, from a cost, a final value and a holding period. Multi-currency, handles losses, and compares investments held for different lengths of time.DiscountWork out a sale price, the amount saved, the original price or the true percentage off — for a single discount, a fixed amount off, or a stack of successive discounts — and add sales tax. Stacked discounts compound (they do not add) and the discount is applied before tax. Multi-currency.Future ValueProject the future value of money — a present-day lump sum, a stream of regular contributions, or both together — at a chosen rate and horizon, with ordinary-annuity vs annuity-due timing and a year-by-year growth chart. The textbook time-value-of-money closed form, multi-currency.InvestmentProject the future value of an investment — an initial lump sum, regular contributions, or both together — at a chosen return rate, compounding frequency and horizon, with ordinary-annuity vs annuity-due timing and a year-by-year growth chart. Multi-currency, live, no sign-up.Retirement PlanningFind out if you are on track to retire. Project your nest egg from current savings and monthly contributions, then compare it to the corpus you need under the 4% / 25× safe-withdrawal rule — inflation-adjusted, with a year-by-year growth chart and a surplus-or-shortfall verdict. Multi-currency.RDRecurring deposit maturity value, interest earned and year-by-year growth from your fixed monthly deposit, interest rate and tenure — quarterly compounding, the Post Office and bank convention.LumpsumProject the maturity value, invested amount and estimated returns of a one-time lumpsum mutual-fund investment from your amount, expected return and tenure, with a year-by-year growth chart.NPSProject your National Pension System (NPS) retirement corpus, lump sum, annuity amount and estimated monthly pension. Enter your age, monthly Tier-1 contribution, expected return and annuity rate — with the annuity-due formula, the 40% minimum annuity and the 60% tax-free lump-sum rule.Hourly to SalaryConvert an hourly wage to an annual salary — or a salary back to an hourly rate — and see the daily, weekly, biweekly and monthly equivalents. Uses the 2,080-hour full-time rule (40h × 52wk), handles part-time and unpaid weeks, and works in any currency. Gross, pre-tax figures.Salary HikeCalculate a salary hike three ways: find your new salary after a raise, work out the hike percentage between an old and new salary, or back-calculate the old salary from a new figure — plus the increment amount. Hike % = ((New − Old) ÷ Old) × 100, works in any currency, gross pre-tax figures.GratuityCalculate the gratuity payable in India under the Payment of Gratuity Act, 1972 — the ÷26 (covered) and ÷30 (not covered) formulas, the >6-month round-up, the ₹20 lakh statutory cap and the Section 10(10) tax exemption. Enter your last drawn Basic + DA and years of service.Salary (CTC → In-Hand)Convert your annual CTC into monthly and annual in-hand (take-home) salary for India. See the full breakup — basic, employer PF, gratuity, gross, employee PF, professional tax and new-regime FY2025-26 income tax — with adjustable basic %, PF basis and tax basis.HRA ExemptionCalculate the House Rent Allowance exempt from income tax in India under Section 10(13A) read with Rule 2A — the least of actual HRA received, rent paid minus 10% of salary, and 50% (metro) / 40% (non-metro) of salary. See which limb caps your exemption and how much HRA stays taxable. Old tax regime only.
Tax
Tax RegimeCompare India's old and new income tax regimes for FY 2025-26, see your tax under both, your savings, and which regime to choose.GSTAdd GST to a price or reverse it out of a GST-inclusive total, and see the CGST + SGST (intra-state) or IGST (inter-state) split for any rate — 5%, 12%, 18%, 28% or custom.VATAdd VAT to a net price or remove it from a gross price — see the VAT amount and both the net and gross figures for any rate. Works for UK (20%), EU and global VAT rates.Sales TaxCalculate sales tax on any price — add tax to a net price or back-calculate the pre-tax amount from a tax-inclusive total. Works with any combined rate (state + county + city).
Cards
Investment
CAGRCalculate the compound annual growth rate (CAGR) between a beginning and ending value over any period — plus total (absolute) return, growth multiple and total gain, with a year-by-year implied-growth chart. Multi-currency, handles declines and fractional years, and annualises returns so investments held for different lengths of time compare fairly.SIPProject the maturity value, total invested and estimated returns of a monthly SIP (systematic investment plan) in a mutual fund, with a year-by-year growth chart.RetirementFind the retirement corpus you need and whether you are on track — from your age, monthly expenses, inflation and expected pre- and post-retirement returns. Uses the inflation-growing present-value method, shows the surplus or shortfall, the monthly SIP to close the gap, a 25× / 4%-rule sanity band and a year-by-year accumulation chart.FIREFind your FIRE number (annual expenses ÷ safe withdrawal rate — the 25× / 4% rule) and project the years, months and age to Financial Independence, Retire Early from your current savings, monthly investment and expected return, with a corpus-growth chart. Models Lean, Fat, Coast and Barista FIRE through your inputs.