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Finance Calculators

Free calculators for loans, taxes, retirement, investing, savings, inflation, real estate, and day-to-day money decisions. Every tool runs in your browser, with no sign-ups and no data sent to a server.

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India & US finance

Old vs New tax, EMI, SIP, FD for India — plus 401(k), Roth IRA, mortgage, FIRE, and Social Security for the US. Multi-currency: ₹ $ € £ A$ C$.

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100% private, client-side

Salary, loan, and investment data never leaves your browser. No server calls, no sign-up required, and no data stored anywhere.

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Depth beyond the basics

Amortization schedules, prepayment strategies, multi-scenario FIRE comparisons, and Excel export — features most paid tools charge for.

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Income Tax Calculator

Compare Old vs New Tax Regimes for FY 2025-26 with latest budget updates. Calculate tax liability, rebates, and standard deductions for salaried and business professionals.

TaxIndiaBudget 2025
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US Paycheck Calculator

Calculate take-home pay with federal and state tax, FICA, and pre-tax deductions. Covers all 50 states with 2025 tax brackets.

TaxUSPaycheck
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EMI Calculator

Advanced loan EMI calculator for home, car, and personal loans. Compare reduce-EMI vs reduce-tenure prepayment strategies, charts, and Excel export.

LoanEMIPrepayment
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FIRE Calculator

Calculate your Financial Independence Retire Early number. Compare Lean, Fat, Coast, and Barista FIRE strategies with portfolio projections.

RetirementFIREInvesting
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SIP Calculator

Calculate Systematic Investment Plan returns with step-up options, goal planning, and long-term mutual fund projections.

InvestmentSIPIndia
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Buy vs Rent Calculator

Compare buying versus renting with net worth analysis, opportunity cost, ownership expenses, and personalized housing recommendations.

Real EstateHome
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Compound Interest Calculator

Calculate compound interest with flexible compounding frequencies, recurring contributions, inflation adjustment, and growth charts.

InvestmentInterest
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Amortization Calculator

Generate detailed amortization schedules for loans. See principal vs interest by month, remaining balance, and prepayment impact.

LoanAmortization
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Mortgage Calculator

Estimate monthly house payment including principal, interest, property taxes, insurance, and PMI for home purchase planning.

MortgageReal Estate
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Credit Card Payoff Calculator

Compare debt avalanche, snowball, and minimum-only payoff strategies with interest saved, payoff dates, and per-card schedules.

DebtCredit Card
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401(k) Calculator

Project retirement balances with employer match, salary growth, contribution limits, and safe withdrawal assumptions.

RetirementUS
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Roth vs Traditional IRA

Compare Roth IRA vs Traditional IRA after tax, including side-fund analysis, contribution limits, and retirement tax trade-offs.

RetirementUSTax
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Auto Loan Calculator

Calculate car loan payments with sales tax, trade-in, dealer fees, and side-by-side term comparisons from 36 to 84 months.

LoanAuto
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Student Loan Calculator

Compare standard payoff, extra-payment, and refinance scenarios for student loans with multi-currency support.

LoanEducation
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Investment Calculator

Project lump-sum and monthly investments with inflation adjustment, annual step-up, and DCA vs lump-sum comparison.

InvestingMulti-currency
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Rental Property ROI

Calculate cap rate, cash flow, cash-on-cash return, DSCR, 1% rule, GRM, and rental expense assumptions.

Real EstateROI
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Net Worth Calculator

Track assets and liabilities with allocation charts and benchmark comparisons by age to understand financial health.

TrackingAssets
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US Inflation Calculator

Use 1913–2026 US CPI data to compare purchasing power and see how the dollar's value changed over time.

InflationUSCPI
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Sales Tax / VAT / GST

Add tax to a price or back it out with presets for US sales tax, EU/UK VAT, and Australian or Canadian GST/HST.

TaxVATGST
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Tip Calculator

Calculate tips, split bills, round totals, and review regional tipping etiquette across major markets.

TravelBill Split
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FD Calculator

Fixed Deposit calculator with quarterly compounding, senior citizen rates, TDS modeling, and post-tax maturity value.

SavingsIndiaFD
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RD Calculator

Recurring Deposit calculator with month-by-month growth, quarterly compounding, and senior citizen rate support.

SavingsIndiaRD
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Salary Hike Calculator

Compute new salary from a hike percentage or calculate the hike percentage from a new offer. Annual or monthly, multi-currency.

SalaryCareer
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Discount Calculator

Compute sale price after percentage or flat discounts, with optional tax. Useful for shopping, invoices, and quick price checks.

ShoppingPrice
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House Affordability Calculator

Estimate how much home you can afford from income, debts, down payment, PITI, and front/back DTI thresholds.

Real EstateMortgage
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Social Security Calculator

Compare Social Security claiming ages, monthly benefits, lifetime totals, break-even points, and spousal benefit scenarios.

RetirementUS
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Mortgage Refinance Break-Even

Find exactly when a refinance pays off. Compare monthly savings, closing-cost recovery period, and lifetime interest for any stay horizon.

MortgageUSReal Estate
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HELOC Calculator

Calculate your home equity line of credit limit, interest-only draw payments, and repayment-phase P&I including the payment shock jump.

MortgageUSReal Estate
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RMD Calculator

Compute your IRS Required Minimum Distribution from Traditional IRA or 401(k) using the Uniform Lifetime Table, with year-by-year projections.

RetirementUSTax
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HSA Calculator

Project HSA balance and quantify your triple-tax advantage — federal, state, and FICA savings — versus a taxable account over decades.

HealthcareUSTax
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Annuity Calculator

Calculate immediate annuity payments, deferred annuity growth, and fixed-period TVM across three modes with COLA support.

RetirementUSIncome
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Roth Conversion Calculator

See the federal tax cost of converting to Roth IRA using 2026 brackets, and compare after-tax future value vs staying in Traditional.

RetirementUSTax
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529 College Savings Calculator

Project 529 balance growth, inflate future tuition costs, find the funding gap, and get a recommended monthly contribution.

EducationUSSavings
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Capital Gains Tax Calculator

Calculate US federal short-term and long-term capital gains tax, NIIT, and state tax on stocks, crypto, or real estate sales.

TaxUSInvesting
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Reverse Mortgage Calculator

Estimate HECM reverse mortgage proceeds across lump sum, line of credit, term, and lifetime tenure payout options. 2026 FHA limits.

MortgageUSRetirement

All calculators run client-side, so your salary, loan, tax, and investment data stays on your device.

Popular calculator shortcuts

More specific calculator pages for common loan, retirement, mortgage, salary, and inflation searches.

Loan and EMI calculators

Mortgage and home-buying calculators

FIRE and retirement calculators

Inflation, salary, and tax calculators

What You Can Calculate

Toolisk finance calculators cover the decisions where a single headline number is not enough: loan affordability, repayment schedules, tax regime comparison, investment growth, retirement readiness, inflation, and real estate trade-offs.

Start with the EMI calculator for loan repayment planning, use the amortization calculator to inspect principal versus interest, or compare long-term goals with the FIRE calculator and investment tools.

Private by Design

Financial inputs are sensitive. These calculators run locally in your browser, so your loan amount, salary, taxes, assets, and investment plans are not uploaded just to get a result.