Personal Finance Tools
These calculators and planners answer the money questions that come up in ordinary life: how savings grow, what a loan really costs, whether to rent or buy, how a fund has actually performed and how much is enough to retire. They are for individuals and households planning their own finances, and for anyone who wants to see the formula behind a bank's or adviser's number.
14 free tools · no sign-up · no ads
Compound and simple interest, SIP and lump sum, loan EMI, retirement savings and time-weighted return calculators.
Investment Calculator
Calculate investment returns and growthCompound Interest Calculator
Calculate compound interest and investment growthSimple Interest Calculator
Calculate simple interest on loans and investmentsInterest Calculator
Calculate various types of interestEMI Calculator
Calculate loan EMI and payment schedulesRetirement Calculator
Plan for retirement savings and expensesTime-Weighted Return Calculator
Time-weighted and money-weighted (XIRR) portfolio returns from your actual cash flows
A thesis checklist, stock valuation ratios, an ETF growth simulator, a rental property analyzer and a rent vs buy comparison.
Investment Thesis Analyzer
Analyze and score investment opportunitiesStock Analysis Calculator
Analyze stock metrics and valuationETF Investment Simulator
Simulate ETF investment scenarios and returnsReal Estate Investment Analyzer
Analyze real estate investment opportunitiesRent vs Buy Calculator
Compare renting vs buying a home financially
A monthly household budget planner and a FIRE planner that projects when savings could cover your spending.
Which tool do I need?
See how much a monthly investment could grow to
Project a monthly SIP or a lump sum at a fixed return, or compound a balance with regular deposits at any frequency.
Find the monthly payment and total interest on a loan
Get the EMI, total interest and a full amortization schedule, with insurance and property tax shown separately.
Decide whether to rent or buy a home
Compare the net worth of a buyer and a renter who invests the difference, year by year, and find the break-even year.
Check whether I am saving enough for retirement
Project savings against an inflation-adjusted target, or work out a FIRE number and the age you could reach it.
Measure my real return after adding and withdrawing money
Log buys and sells to get net return, XIRR and time-weighted return for a single fund or stock.
Build a monthly household budget
List income and expenses to see money left over, savings rate and how many months your emergency fund covers.
About Personal Finance
The category has three levels. Calculators handle single formulas: compound and simple interest, SIP and lump-sum projections, an EMI with a full amortization schedule, retirement savings and time-weighted return. Analysis Tools look at one decision in detail: a stock or ETF thesis checklist, ratio-based stock valuation, an ETF growth simulation with fees, a rental property analysis and a rent versus buy comparison. Planning Tools sit on top: a monthly budget planner and a FIRE planner that combine income, spending, savings rate and returns into a timeline.
Most projections assume a constant return with no bad years, before tax and often before fees, so run a pessimistic case next to the default. Amounts show a $ sign but the arithmetic works in any currency. Everything is calculated in your browser; the exception is the Stock Analysis Calculator, which calls Alpha Vantage with your own free API key, or shows labelled demo numbers without one. These are educational tools, not financial advice.
Guides
- How Compound Interest Works: Frequency, Deposits and the FormulaWhy 10% compounded monthly is not 10%, what A = P(1 + r/n)^(nt) really says, how deposits change the maths, and the mistakes that throw calculations off.
- EMI and Loan Amortization: Where Each Payment GoesThe EMI formula worked through by hand, why early payments are mostly interest, how tenure and prepayment change total cost, and the flat-rate trap.
- Rent vs Buy: Comparing Net Worth, Not Monthly PaymentsWhy comparing rent with a mortgage payment gives the wrong answer, how opportunity cost and selling costs change it, and how to find your break-even year.
- Your FIRE Number: The 4% Rule and Years to Financial IndependenceWhere the 4% rule comes from, why savings rate drives your timeline, how inflation changes the target, and the risks a 25x number does not cover.
Frequently asked questions
Which finance calculator should I use for savings and which for loans?
For savings, use the Compound Interest Calculator or the Investment Calculator for monthly SIPs. For borrowing, use the EMI Calculator, which uses the reducing-balance method lenders use for most home and car loans. The Simple Interest Calculator fits flat-rate loans and short deposits.
Why do investment calculators assume a constant return?
Because a single rate makes the arithmetic clear and comparable. Real markets deliver uneven returns, and the order of good and bad years matters a lot once you start withdrawing. Treat a constant-return projection as what that rate would produce, and test a lower rate alongside it.
Do the finance tools account for tax and inflation?
Some inflation, little tax. The retirement, ETF, rent vs buy and FIRE tools include an inflation input, and rent vs buy models the mortgage interest deduction. Tax on interest, dividends, capital gains and withdrawals is generally not modelled, so treat results as pre-tax.
Do the personal finance tools send my numbers anywhere?
No, with one exception. Calculations run in your browser, and several tools keep inputs in the page URL so you can share a link. The Stock Analysis Calculator sends a ticker and your API key from your browser straight to Alpha Vantage when you ask for real data.
Can I use the finance calculators with rupees, euros or pounds?
Yes. Amounts are labelled with a $ sign, but the formulas are currency-neutral, so enter figures in any currency and read the results in the same one. A few labels use US terms such as Social Security; enter your own pension or state benefit there.
How do I share a finance calculation with a partner or adviser?
Copy the page link or download the report. The interest, EMI, investment, ETF, property, rent vs buy and FIRE tools keep inputs in the URL, so a shared link reopens the same scenario. The budget planner exports a CSV instead, because it does not save its inputs.