Financial Tools
Calculators for loans, investments, savings, and wealth planning
EMI Calculator
Calculate monthly loan payments with detailed amortization schedule
Compound Interest
See how your money grows with the power of compounding
SIP Calculator
Plan systematic investment and watch your wealth grow
Retirement Planner
Calculate how much you need to save for retirement
Investment Calculator
Calculate returns on lump sum investments
Savings Goal
Plan how to reach your savings targets
Debt Payoff Planner
Snowball or avalanche method to become debt-free
Credit Card Payoff
Calculate time to pay off credit card debt
Net Worth Calculator
Calculate your total financial net worth
Emergency Fund
Find out how much emergency savings you need
Inflation Calculator
See how inflation affects purchasing power
Currency Converter
Live exchange rates from ECB
About Our Financial Calculators
Our financial calculators help you make informed decisions about loans, investments, savings, and retirement planning. Whether you're calculating EMI for a new loan, planning your retirement, or figuring out the best debt payoff strategy, our tools provide accurate results with detailed breakdowns.
All calculations are performed locally in your browser for maximum privacy. We use industry-standard formulas trusted by financial professionals worldwide.
Understanding Loan Calculations
Loan calculations form the basis of most financial decisions. The EMI (Equated Monthly Installment) formula considers three variables: principal amount, interest rate, and loan tenure. Understanding how these interact helps you negotiate better terms and choose loans that fit your budget.
Our EMI calculator breaks down each payment into principal and interest components, showing you exactly how much of each payment goes toward reducing your loan balance versus paying interest charges.
The Power of Compound Interest
Albert Einstein reportedly called compound interest the eighth wonder of the world. When your investment earnings generate their own earnings, the growth accelerates exponentially over time. This is why starting to invest early — even with small amounts — can lead to substantial wealth.
Use our compound interest and SIP calculators to see how regular investments of $100, $500, or $1,000 per month can grow over 10, 20, or 30 years at different return rates. The results often surprise people.
Planning for Retirement
Retirement planning is about answering a fundamental question: will you have enough money to maintain your lifestyle when you stop working? The answer depends on your current savings rate, expected investment returns, inflation, and how long you expect to be retired.
Our retirement planner uses these variables to project your savings trajectory and identify any gaps between what you'll have and what you'll need.
Managing Debt Effectively
Not all debt is equal. High-interest credit card debt can cost you thousands in unnecessary interest, while a low-rate mortgage leverages your money for asset appreciation. Understanding the true cost of each debt helps you prioritize which to pay off first.
Our debt payoff calculator supports both the snowball method (smallest balance first for psychological wins) and the avalanche method (highest interest first for mathematical optimization).