Jay Sudha

Tools

Finance calculators for Indian money decisions

Accurate, India-first calculators — every one shows the formula, a worked example with real ₹ figures, and exactly how to use it. No sign-up, no fluff: put in your numbers and get an answer you can act on. They’re the decision-support layer for the guides — pair a calculator with the article on the same topic to understand the “why” behind the number.

Budgeting & Savings

Monthly Budget CalculatorSee your monthly surplus, total expenses and savings rate.Open calculator →50/30/20 Budget CalculatorRecommended vs actual needs/wants/savings, with a budget health estimate.Open calculator →Emergency Fund CalculatorFind your target emergency fund and the gap left to save.Open calculator →Savings Rate CalculatorSee what percentage of your income you actually save.Open calculator →Personal Finance Health ScoreScore your money health out of 100 across five pillars.Open calculator →Cash Flow CalculatorCompare monthly inflows and outflows to see your net cash flow.Open calculator →

Investing & Wealth

SIP CalculatorProjected maturity value and gains from a monthly SIP.Open calculator →Net Worth CalculatorTotal assets minus total liabilities — your real scorecard.Open calculator →Financial Goal CalculatorThe monthly SIP needed to reach a goal, adjusted for inflation.Open calculator →Compound Interest CalculatorHow a lump sum grows with compounding over time.Open calculator →PPF CalculatorMaturity value and tax-free interest on your PPF account.Open calculator →FD CalculatorMaturity value and interest earned on a bank fixed deposit.Open calculator →NPS CalculatorRetirement corpus, lump sum, and annuity from monthly NPS contributions.Open calculator →Lumpsum CalculatorMaturity value and gains from a one-time mutual fund investment.Open calculator →RD CalculatorMaturity value and interest on a monthly recurring deposit.Open calculator →

Loans & Credit

EMI CalculatorMonthly EMI, total interest, and total cost for any loan.Open calculator →Credit Card Payoff CalculatorMonths to clear a card balance and the interest it costs.Open calculator →Home Loan Eligibility CalculatorApproximate home loan amount you may qualify for by income.Open calculator →Credit Card Balance Transfer CalculatorInterest saved by moving a credit card balance to a lower rate, net of fee.Open calculator →Loan Repayment Time CalculatorHow long a loan takes to clear at a fixed monthly payment.Open calculator →Debt Payoff CalculatorTime and interest to clear your total debt at a set payment.Open calculator →

Tax

Income Tax CalculatorEstimate income tax under the new vs old regime, FY 2026-27 (verify final figures with the e-filing portal).Open calculator →GST CalculatorAdd or remove GST at 5/12/18/28% — CGST + SGST or IGST breakdown.Open calculator →HRA Exemption CalculatorFind your tax-exempt HRA under the old regime (Section 10(13A)).Open calculator →TDS CalculatorWork out TDS deducted and the net amount payable.Open calculator →

Business & SME

Profit Margin CalculatorProfit, profit margin %, and markup % from revenue and cost.Open calculator →Break-Even CalculatorUnits and revenue needed before you start making a profit.Open calculator →Business Loan EMI CalculatorEMI, interest, and total cost on an MSME / business loan.Open calculator →MSME Delayed-Payment Interest CalculatorEstimate the appointed day, delay, and statutory compound interest on a late MSME payment.Open calculator →Working Capital CalculatorWorking capital and current ratio for short-term health.Open calculator →Inventory Turnover CalculatorHow fast stock sells: turnover ratio and days held.Open calculator →Receivables Days (DSO) CalculatorAverage days to collect payment from customers (DSO).Open calculator →

Choosing the right calculator

Borrowing. The EMI calculator gives the instalment and total interest on any loan, and home loan eligibility estimates how much a lender may offer on your income. Loan repayment time, debt payoff and credit card payoff show how long a balance takes to clear, and balance transfer checks whether moving a card balance saves money after the fee.

Saving and investing. SIP, lumpsum and financial goal cover mutual fund plans; FD, RD and PPF cover fixed-return deposits; NPS projects a retirement corpus; and net worth shows where you stand today.

Tax. The income tax calculator compares the old and new regimes for tax year 2026-27, while HRA exemption, TDS and GST handle the sums that come up during the year.

Budgeting. Monthly budget, 50/30/20, savings rate, cash flow and emergency fund cover the monthly plan, and the personal finance health score rolls five areas into one number.

Business. Break-even, profit margin, working capital, receivables days, inventory turnover and business loan EMI cover day-to-day decisions, and MSME delayed-payment interest works out what a late-paying buyer owes under the MSMED Act.

Reading the result

Every calculator page shows the formula it uses, a worked example in rupees, the assumptions behind the estimate, and why another calculator may give a different figure. Treat the answer as an estimate: a lender’s EMI can differ by a few rupees because of rounding and the date interest starts, and a tax result depends on details no calculator sees. When a rate or rule changes, the page’s “last updated” date changes with it.

The calculators run in your browser: the numbers you enter are not sent to this site or saved.