Finance Tools
Quick, practical finance math — a loan payment before you commit, how an investment compounds over years, or splitting a bill fairly — without a spreadsheet or a banking app.
Compound Interest Calculator
Project final amount and interest earned across common compounding frequencies.
OpenGST Calculator
Add or remove GST at 5%, 18%, 40% or any rate, with CGST, SGST and IGST shown.
OpenLoan / EMI Calculator
Reducing-balance EMI calculation from loan amount, interest rate, and tenure.
OpenSIP Calculator
Mutual fund SIP and lump-sum returns with a step-up option and a year-by-year table.
OpenTip Calculator
Quick tip percentages, total bill, and per-person split.
OpenLoan / EMI Calculator works out the monthly payment on a loan given the principal, interest rate, and term — the number a lender's advertised rate doesn't show you directly. Compound Interest Calculator projects how savings or an investment grows over time with regular compounding, which is the single most useful number for understanding why starting early matters more than the amount you start with. Tip Calculator splits a bill and tip across any number of people instantly, rounding sensibly instead of leaving everyone doing mental math at the table.
These are calculators, not financial advice — they compute the math from numbers you enter, the same math a bank or spreadsheet would use, just faster and without opening a spreadsheet.
Built for the moment you actually need the number: comparing two loan offers side by side, checking what a 15-year investment horizon looks like versus 30, or figuring out an 18% tip on a bill split six ways.
What you can use it for
- Compare monthly EMI payments across different loan amounts, rates, or terms
- See how much total interest you'd pay over the life of a loan
- Project how a lump sum or regular deposit grows with compound interest over years
- Split a restaurant bill and tip evenly across a group
- Sanity-check a loan offer's numbers before signing
Frequently asked questions
Does the EMI calculator account for taxes or fees?
No — it calculates the standard EMI formula from principal, annual interest rate, and loan term. Processing fees, insurance, or taxes a lender adds are not included; check your loan's full terms for those separately.
Is this financial advice?
No. These are calculators that do arithmetic on numbers you provide — they don't know your full financial situation and shouldn't replace advice from a qualified financial advisor for major decisions.
Does compound interest here account for inflation?
No, the calculation shows nominal growth at your entered rate. To estimate real (inflation-adjusted) returns, subtract your expected inflation rate from the return rate before entering it.
Is my financial data sent anywhere?
No — every calculation runs in your browser. The numbers you enter are never transmitted or stored.