Financial Calculators
67 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earned and ending balance for any principal.SWPPlan a Systematic Withdrawal Plan: see your remaining corpus, total withdrawn, return earned and the exact month your money runs out from a lump sum, monthly withdrawal, expected return and tenure, with a balance-over-time chart.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.APRCalculate the true annual percentage rate (APR) of any loan by factoring in fees alongside the interest rate — uses the actuarial IRR method required by Reg Z for accurate, fee-adjusted cost comparison.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.CDCertificate of deposit (CD) maturity value, interest earned and the effective APY from your deposit amount, nominal rate, term and compounding frequency.
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.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.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.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.SSYProject a Sukanya Samriddhi Yojana account for a girl child: total deposits, interest earned and the maturity amount payable 21 years after opening.SCSSSenior Citizens Savings Scheme (SCSS) quarterly payout, annual interest and maturity value for the government-backed 5-year deposit, with the ₹30 lakh deposit cap.HSAProject your Health Savings Account balance growth and estimate the annual income-tax savings from your contributions, using the 2026 IRS HSA contribution limits.NSCNational Savings Certificate (NSC) maturity value and total interest on a fixed 5-year Post Office savings certificate, compounded annually at the notified rate.
Investment
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.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.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.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.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.Step-Up SIPProject a step-up (top-up) SIP whose monthly installment rises a set percentage each year: maturity value, total invested, returns and a yearly breakdown.
Shopping
Retirement
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.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.Roth IRAProject your Roth IRA balance at retirement — tax-free — from your starting balance, annual contribution, current age, retirement age and expected return, with a year-by-year growth chart and a total contributions vs growth breakdown.401(k)Project your 401(k) balance at retirement from your age, salary, contribution rate and tiered employer match — with the 2026 IRS limits and 50+ catch-up.RMDCalculate your Required Minimum Distribution (RMD) from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table and your prior year-end account balance.EPFEmployees' Provident Fund maturity value at retirement from your Basic + DA, the statutory 12% employee / employer split, and the current EPFO interest rate.Social SecurityEstimate your US Social Security retirement benefit from your average monthly earnings, birth year and claiming age, using the SSA's own PIA bend-point formula.Annuity PayoutFind the fixed periodic payout a lump-sum annuity balance can sustain over a set term and interest rate — ordinary or annuity-due, at any payout frequency.
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.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.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).Federal Income TaxEstimate your 2026 US federal income tax by filing status: taxable income, tax owed, effective and marginal rate, and refund, using current IRS brackets.Capital Gains TaxEstimate your 2026 US federal capital gains tax on an asset sale — short-term vs long-term, stacked on your other income, with effective rate and net proceeds.Property TaxEstimate annual property tax from market value, assessment ratio, exemptions and a mill or percent rate, with a full assessed-to-taxable value breakdown.LTCG/STCGFind out if your share, equity-fund, property or gold sale is long-term or short-term capital gains under India’s post-July-2024 rules, and the tax plus cess owed.Self-Employment TaxEstimate US self-employment (SECA) tax on 1099 or net-profit income: Social Security and Medicare portions, the Additional Medicare Tax, and the deductible half.Home Loan Tax BenefitEstimate the tax you save on a home loan under Section 24(b) interest, 80C principal, and 80EE/80EEA deductions — old regime, self-occupied or let-out.W-4 WithholdingSee how your Form W-4 choices — filing status, the multiple-jobs box, dependents and extra withholding — change the federal tax withheld from each 2026 paycheck.AI Tax RiskEstimate the IRS accuracy-related penalty, failure-to-pay penalty and interest you could owe if an AI tool understates your US federal tax bill.AMT CalculatorEstimate your 2026 US Alternative Minimum Tax: exemption after phaseout, tentative minimum tax at 26%/28%, and any AMT owed above your regular tax, by filing status.Biden Tax PlanSee how your US federal tax could change under Joe Biden's 2020 campaign tax plan — top rate, capital gains, Social Security and Child Tax Credit — vs 2021 law.Alabama TaxEstimate your Alabama state income tax on Form 40: taxable income, tax owed, and your effective and marginal rate, using the AL standard deduction and exemptions.
Cards
Salary
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.PaycheckEstimate your US take-home pay per paycheck — federal income tax, Social Security, Medicare and pre-tax deductions — by pay frequency and filing status.Cost of LivingCompare the cost of living between two cities using index values and find the salary you'd need in a new place to keep the same standard of living.Annual IncomeConvert hourly, daily, weekly, bi-weekly, semi-monthly, monthly or quarterly pay into gross annual income — plus every other pay-period equivalent, side by side.
Property
Rent vs BuyCompare the true net cost of renting vs buying over any horizon. Enter home price, mortgage details, ownership costs and rent, and see which path is cheaper, when buying breaks even, and the price-to-rent ratio for your market.Rent AffordabilityFind the maximum rent you can afford from your income using HUD's 30% rule, and see how a given rent stacks up against landlord 3x/40x screening thresholds.
Business
Break-EvenFind the break-even point in units and revenue for any product or business — from fixed costs, price per unit and variable cost per unit — with contribution margin and the target-profit variant.DepreciationCalculate asset depreciation with four standard accounting methods — straight-line, double-declining balance, sum-of-years-digits and units of production — with a year-by-year schedule.After-Tax Cost of DebtFind a company's after-tax cost of debt with the rd(1 − T) formula — from a pre-tax rate or from interest expense and total debt, plus the annual tax shield.