Free Online Calculators

Most international calculator sites cover loans and BMI, then stop. The schemes people in India actually plan around are usually missing, or modelled with the wrong compounding. This collection covers them directly: PPF, EPF, NPS, NSC, Sukanya Samriddhi Yojana and the Senior Citizen Savings Scheme, each with the compounding and tenure the scheme actually uses.

On the salary side, income tax compares the old and new regimes side by side including the standard deduction, 87A rebate and cess, while HRA and gratuity handle the exemptions that decide your real take-home. GST works in both directions — add it to a base price, or extract it from a tax-inclusive total.

Government-notified rates change from time to time. Rather than hard-coding a figure that quietly goes stale, every scheme calculator takes the rate as an input with a sensible current default, so you can enter the notified rate and still get an accurate answer.

Borrowing. The EMI calculator is the usual starting point for a home, car or personal loan — it returns the monthly instalment, total interest and a full amortisation schedule, so you can see how much of each early payment is interest rather than principal. If you are carrying a balance instead, the credit card payoff calculator shows how long a fixed payment takes to clear it.

Investing. Use the SIP calculator for a monthly mutual-fund contribution and lumpsum for a one-time investment. To measure a return you have already earned rather than project a future one, use CAGR.

Everyday maths. The percentage calculator handles increases, decreases and “what percent of” in one place, and students converting marks can go straight to CGPA to percentage. For document and image work instead, see the PDF tools and image tools.

Financial and health results are estimates for planning only. Confirm anything consequential with a qualified professional before acting on it.