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All calculators

54 calculators across 8 categories. Every one shows its formula, a worked example and its limits, and runs entirely in your browser.

Loans & mortgages

Payments, payoff strategies, refinancing and what borrowing really costs.

Mortgage paymentMonthly payment, total interest and the full payoff picture.Rent vs buyThe comparison that counts what owning actually costs.Amortization scheduleThe full month-by-month interest and principal table.Mortgage recastWhat a lump sum + recast does to your monthly payment.Refinance break-evenThe month a refi actually starts saving you money.Mortgage pointsWhether buying down your rate actually pays off.Early payoffWhat an extra $100–500 a month really saves.Compare loansTwo offers, side by side, no salesmanship.EMIEMI, total interest, and how much you can actually borrow.Debt payoffSnowball vs avalanche on your actual debts.

Saving & investing

Compound growth, goals, returns and what inflation does to them.

How long will it lastThe date your savings run out, not a final balance.Compound interestGrowth with contributions, year by year.Savings goalThe date your target actually arrives.CAGRThe annualised growth rate behind a total return.XIRRYour real return when cash flows are messy.InflationWhat your money quietly loses each year.

India finance

SIP, FD, PPF, EPF, NPS, post office schemes, gratuity, HRA and GST, with the conventions Indian banks actually use.

Income taxNew vs old regime on your numbers, slab by slab.SIPWhat your monthly SIP grows into.Step-up SIPThe corpus when your SIP grows with your salary.SWPHow long your corpus lasts when you draw from it.Fixed depositFD maturity the way your bank computes it.PPFYour PPF corpus across the 15-year lock-in.GratuityWhat your years of service are worth on exit.HRA exemptionThe tax-free slice of your house rent allowance.GSTAdd or remove GST at any slab in one step.EPFYour provident fund at 58, employer share split out.NPSNPS corpus, lump sum and pension under the 2025 rules.Recurring depositRD maturity with the quarterly compounding banks use.Sukanya SamriddhiWhat your daughter’s SSY account will be worth at 21.NSCNSC maturity and the yearly accrued interest.Post Office MISMonthly payout from POMIS, limits included.Senior Citizens’ SavingsQuarterly income from SCSS, up to ₹30 lakh.Atal Pension YojanaThe APY contribution for your age and pension.

Tech, EV & creators

AI API bills, EV running costs and what creator views actually pay.

AI token costWhat your LLM API usage will actually cost.EV charging costCost per charge and per km, losses included.EV vs petrolThe real running-cost gap for your driving.YouTube earningsWhat those views actually pay, honestly.Engagement rateThe number brands check before they pay you.Freelance rateThe rate that actually replaces your salary.

Pay & work

Hourly ↔ salary, time cards, overtime and freelance rates.

Salary converterHourly ↔ annual, on your actual hours.Time cardWeekly hours, overtime split and total pay.

Everyday math

Percentages, discounts, fuel and the numbers daily life keeps asking for.

PercentageAll three percentage questions, one page.DiscountReal price after the discount, stacked ones too.Fuel costWhat the trip costs before you drive it.AgeYour exact age, to the day.Days between datesExact gap between any two dates.Days from today“90 days from today” answered precisely.Land area converterBigha, katha, gaj and acre, sized for your state.Unit converterEleven kinds of unit, exact definitions, both KB conventions.

Students

GPA, final-grade targets and percentage conversions.

GPAYour GPA, weighted the way registrars weight it.Final gradeThe score you need on the final, exactly.CGPA to percentageYour university’s own formula, with its source.

Health & fitness

BMI, daily calories and macro targets, with the formulas shown.

BMIBMI in either unit system, limits included.Calories & macrosMaintenance calories and macro grams, shown working.

How these calculators are different

Every page states the formula it uses, walks through a worked example you can check by hand, and names the convention behind it, quarterly compounding for Indian FDs, annuity-due for SIPs, actual/365 for XIRR, because those conventions are exactly where calculators quietly disagree with your bank. The full approach is on the methodology page.

Results are mathematical estimates from the numbers you enter, not financial advice. Nothing you type is sent anywhere: the calculations run in your browser.