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Personal finance calculators, balanced to the penny

Personal Finance Calculators

Thirteen free calculators for investing, borrowing, and planning — each with a full explanation of the formula behind it. Pick a currency and start.

🧮 13 calculators ⚡ Instant, live results 🔒 No signup required 🔐 Nothing leaves your browser

Trading

💱Forex P&L CalculatorCalculate the profit or loss on a currency trade from your entry price, exit price, and lot size.

Investing

📈SIP CalculatorEstimate the maturity value of a Systematic Investment Plan — a fixed amount invested every month. 💰Lumpsum CalculatorWhat a one-time investment grows to over the years, compounded annually. 🧮Compound Interest CalculatorA starting amount plus monthly contributions, compounding every month. 🏦FD CalculatorMaturity value of a fixed deposit with quarterly compounding, the standard at most banks. 🔁RD CalculatorA fixed monthly deposit into a bank RD, earning compound interest until maturity.

Loans & debt

🏠EMI CalculatorEquated Monthly Instalment for any loan — personal, car, home, or education. 🏡Mortgage CalculatorMonthly principal and interest on a home loan after your down payment. 📉Loan Payoff CalculatorHow extra monthly payments shorten a loan and cut the interest you pay. 💳Credit Card Payoff CalculatorHow long it takes to clear a card balance at a fixed monthly payment.

Planning

🎯Savings Goal CalculatorThe monthly amount you need to set aside to hit a target by your deadline. 🌅Retirement CalculatorThe nest egg you'd need to fund your retirement spending, and whether your savings rate gets you there. 📊Inflation CalculatorWhat today's money will be worth — and what today's expenses will cost — in the future.

How to use these calculators

Every calculator here does two things: it runs the standard formula used by banks, fund houses, and lenders, and it shows you the split between the money you put in and the money that growth or interest adds. That second part is usually the more informative one. On an investment, it tells you how much of your outcome came from compounding rather than contributions. On a loan, it tells you what borrowing actually costs you.

Each page also explains the formula, works through a numbered example, and sets out what the calculation deliberately leaves out — taxes, fees, inflation, and market volatility being the four that most often make real outcomes differ from projections. Reading that section matters more than the number itself.

Choosing the right calculator

If you are investing a fixed amount each month, start with the SIP calculator. For a single sum you already hold, use the lumpsum calculator. For guaranteed bank returns, the FD and RD calculators cover deposits made in one go and month by month respectively.

On the borrowing side, the EMI calculator works for any loan type, while the mortgage calculator handles the down payment separately for home purchases. If you already have a loan and want to know what paying extra achieves, use the loan payoff calculator.

For longer-range questions, the savings goal calculator works backwards from a target to a monthly figure, and the retirement calculator estimates the corpus your spending would require. Run any long-dated result through the inflation calculator before trusting it — a figure that looks comfortable in today's money often is not.