The arithmetic of every financial decision.

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🏦Loan / EMI→

Enter the amount, rate, and term to see your exact monthly payment. Useful before signing any loan, so you know the real cost — not just the headline rate. Popular

🏠Mortgage→

Full monthly payment including taxes, insurance, and PMI — not just principal and interest. Gives you the true number to compare against your budget before house-hunting. Popular

🧾Tax Estimator→

Estimate your US federal tax, effective rate, and take-home pay from your income. Helps with paycheck planning, freelance quarterly estimates, or job-offer comparisons.

💵Salary Calculator→

Convert pay between hourly, daily, monthly, and yearly instantly. Handy when comparing job offers quoted in different formats, or negotiating a rate.

✅Loan Eligibility→

See what loan amount you may qualify for based on income, debts, and credit profile. Check this before applying, so you don't waste a hard credit pull on a loan you won't get.

📊Debt-to-Income Ratio→

Calculates your debt-to-income ratio and checks it against typical lender thresholds. Lenders use this number to decide approval — know it before they do.

⏩Loan Prepayment→

Shows the time and interest you'd save by paying extra toward your loan each month. Useful for deciding whether prepaying beats investing that extra cash instead.

🔀Refinance Break-Even→

Works out how many months it takes to recoup refinancing closing costs. Answers the real question: will refinancing actually save you money before you move or sell?

📋Loan Comparison→

Compare up to three loan offers side by side on payment, total interest, and cost. Makes shopping multiple lenders simple instead of juggling separate quotes. Popular

🚗Auto Loan→

Car payment calculator with trade-in value, sales tax, and new-vs-used rates. Know your monthly payment and total cost before you're at the dealership finance desk.

🏡HELOC→

Estimates your borrowing power against home equity, plus draw and repayment schedules. Useful for planning a renovation or big expense funded by your home's equity.

🏘️Rent vs Buy→

Projects your net worth over time under renting vs buying, and finds the break-even year. Removes the guesswork from the biggest financial decision most people make.

⚖️Mortgage Comparison→

Compare up to three mortgage offers at once on rate, payment, and total cost. Built for when you have multiple lender quotes and need to see them side by side. Popular

🏛️Savings Estimator→

Projects compound growth on your savings and shows how long it takes to double. Good for setting realistic expectations before you pick a savings account or CD.

🎈Inflation Calculator→

Shows what a sum of money was, is, or will be worth after inflation. Useful for translating an old salary, price, or goal into today's purchasing power.

🏦Provident Fund→

Projects EPF/PF maturity value from your contributions, employer match, and interest rate. Helps you sanity-check what you'll actually have at retirement. Popular

👴Retirement Planner→

Checks whether your current savings rate puts you on track for retirement, adjusted for inflation. The core number to know before assuming you're saving "enough."

📜Social Security→

Shows how claiming at 62 vs full retirement age vs 70 changes your monthly benefit. A few years' difference in timing can mean tens of thousands over your lifetime. Popular

🏦401(k) Calculator→

Projects your 401(k) balance at retirement, including employer match and contribution growth. Useful for checking if you're leaving free employer money on the table.

💎Millionaire Calculator→

Estimates the age you'll cross $1,000,000 at your current savings pace. A motivating, concrete milestone rather than a vague long-term goal.

🔥FIRE Calculator→

Calculates years to financial independence based on your savings rate and expenses. The core number behind any FIRE (Financial Independence, Retire Early) plan.

💼Net Worth→

Totals your assets and liabilities into one net worth number, with a liquidity and debt-to-asset breakdown. The single best snapshot of your overall financial position.

❄️Snowball vs Avalanche→

Compares the snowball and avalanche payoff strategies to show which clears your debt faster and cheaper. Removes the guesswork from picking a payoff order. Popular

💳Debt Payoff Planner→

Builds a custom payoff plan across all your debts and shows the interest it will save. Turns a pile of balances into one clear, ordered plan.

🎫Credit Card Payoff→

Compares paying the minimum vs a fixed payment on credit card debt, and the real cost difference. Minimum payments can take over a decade — this shows exactly how much that costs you.

🏘️Rental Yield→

Calculates gross and net rental yield against a property's purchase price. A quick way to screen whether a rental property is actually a good deal.

🏡Rental Property→

Projects cash flow, returns, and a 10-year outlook for a rental property investment. Goes beyond yield to show the full financial picture before you buy.

🎯Savings Goal→

Works out the monthly amount needed to hit a savings target by a specific date. Turns a vague goal like "save for a wedding" into an actual monthly number. Popular

🥧50/30/20 Budget→

Checks your actual spending against the 50/30/20 rule for needs, wants, and savings. A fast gut-check on whether your budget is balanced or overextended.

🛡️Emergency Fund→

Calculates how big your emergency fund should be and how long it'll take to build. Answers "how much is enough" instead of guessing at a round number.

💯Financial Health Score→

Scores your overall financial health out of 100 across savings, debt, and spending. One number to track progress instead of juggling a dozen separate metrics.

🛡️Life Insurance Needs→

Estimates the life insurance coverage your family would actually need, based on income and obligations. Avoids both under-insuring and overpaying for coverage you don't need.

🏥Health Insurance Cost→

Compares two health plans by their true total annual cost — premiums plus expected out-of-pocket spending — not just the sticker-price premium. Shows which plan actually costs less at your expected level of care.

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📐CAGR Calculator→

Calculates the steady annual growth rate behind an investment's actual (bumpy) returns. The number that lets you fairly compare two very different-looking investments.

📅XIRR Calculator→

Calculates the true annualized return on cash flows that happen on irregular dates. What a normal return calculator gets wrong once you've added or withdrawn money mid-way.

💧Dividend Reinvestment→

Projects investment growth when dividends are automatically reinvested rather than taken as cash. Shows how much reinvesting compounds your returns over time.

📈Dividend Growth→

Projects your future dividend income growth and yield on cost for a dividend stock. Useful for anyone building toward dividend income as a goal.

🗂️ETF Growth→

Compares growth of popular ETFs like SPY, VTI, and QQQ side by side. A quick way to see how different index funds would have performed on the same money.

🥧Asset Allocation→

Suggests a stocks/bonds/cash mix based on your age and risk tolerance. A sanity check before you set (or reset) your portfolio allocation.

🏦Stock DCF Valuation→

Estimates what a stock is actually worth based on its projected future cash flows. Goes beyond the current price to ask whether a stock is over- or under-valued.

📏PEG Ratio→

Calculates the PEG ratio to judge if a stock's price is justified by its earnings growth, not just its P/E. Catches "expensive-looking" stocks that are actually cheap given their growth.

🏢EV/EBITDA→

Calculates enterprise value and shows what a peer company's multiple implies about a stock's worth. A valuation method that accounts for debt, unlike price-to-earnings alone.

📈SIP / Investment→

Projects a future lump sum from monthly SIP investing, including annual step-ups. Shows what consistent monthly investing actually adds up to over the years.

📊Dollar Cost Averaging→

Calculates shares bought and average cost under dollar-cost averaging vs a lump-sum investment. Helps decide whether investing gradually or all at once suits your situation.

📉SWP Calculator→

Shows how long a lump sum lasts under a fixed monthly withdrawal plan (SWP). Essential for anyone drawing down savings in retirement without running out early.

📉Stock P&L→

Calculates your real profit or loss on a stock trade after brokerage fees and taxes. The number your brokerage app doesn't always show you clearly.

⚡Options Profit & Breakeven→

Calculates breakeven price, max profit, and max loss for a call or put option. Know your actual risk and reward before placing an options trade.

🔀Stock Split→

Calculates your new share count and adjusted cost basis after a stock split. Keeps your portfolio records accurate after a split you didn't ask for.

🔥Burn Rate→

Calculates how many months of cash your business has left at its current spending rate. The single number every founder needs to know before it's too late.

🏷️Pricing Calculator→

Works out a product price using cost-plus, value-based, or competitor-based methods. Useful when you're not sure how to price something from scratch.

📐Equity Dilution→

Projects your ownership percentage after future funding rounds and option pool top-ups. Know how diluted your stake will be before you sign a term sheet.

📉Stock Dilution Impact→

Shows how a new share offering affects existing shareholders' EPS and ownership value. Useful for evaluating the real cost of a company raising more equity.

📊Revenue Forecast→

Forecasts monthly recurring revenue under best-case, expected, and worst-case scenarios. Built for planning and investor conversations, not just a single guess.

🎯CAC & LTV:CAC→

Calculates customer acquisition cost and your LTV:CAC ratio to judge if growth is actually profitable. The metric that separates healthy growth from growth that's quietly losing money.

📈Break-Even Analysis→

Calculates how many units you need to sell before the business turns a profit. The first number any new product or business plan should be built around.

💵Cash Flow Analyzer→

Analyzes what's coming in, what's going out, and what's left over for your business. A clearer picture than your bank balance alone gives you.

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💱Currency Converter→

Converts between 15 major currencies using live daily rates. Useful for travel budgeting, invoicing abroad, or checking if you're getting a fair exchange rate.

🍽️Itemized Bill Splitter→

Splits a shared bill fairly based on what each person actually ordered, not an even split. Ends the awkward math at the end of a group dinner.

🌍International Transfer Cost→

Calculates the true cost of sending money abroad, including the hidden markup on the exchange rate. Most transfer services aren't as "fee-free" as they advertise.

🔬Scientific Calculator→

A full scientific calculator with trig, logarithms, powers, factorials, and memory functions. Handy for the occasional calculation none of the finance tools cover.