Free money calculators for India
Money maths,
made easy.
Plan a loan closure, compare prepaying with investing, check a stock position, price a wedding or convert a unit, all in seconds. Every calculator follows how Indian banks and brokers work, shows its working, and downloads to Excel or PDF.
- No sign-up
- Your numbers stay on your device
- Free to use
Every calculator, grouped
Pick one to start. Your inputs are remembered on this device, so you can come back to them.
How it works
Choose a calculator
Use the menu at the top or the groups above. Each one opens with a worked example, so you can see what it does.
Put in your numbers
Results update as you type, with a clear answer at the top and the full working underneath.
Save or share it
Download an Excel file you can keep working in, or a clean PDF to send to family, your bank or your CA.
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Loan closure planner
Enter the loan as it stands today. The plan shows what you'd owe at closure, including the fee, and whether your savings and lump sums cover it.
Lump sums you expect
Month 1 is the month of your next EMI. A lump sum counts from the month you enter.
The total leaves out interest for the few days between your last EMI and the closure date, usually a small amount. HDFC's current personal loan slabs are 4% of principal outstanding up to 24 EMIs, 3% for 25 to 36, and 2% after, plus GST. Enter your lender's rate if it differs.
Home loan prepayment
Enter what's left on the loan today. Your EMI stays the same and the prepayments shorten the tenure. Extra EMIs are spread evenly through each year.
Average buy price
Add every purchase of the stock. Enter today's price to see where you stand.
Breakeven after a fall
A 50% fall needs a 100% rise to recover. Work it out from prices or from a percentage.
From prices
From a percentage fall
Target return
Type a target amount to get the return you need, or type a return to get the final amount. The other one updates.
Options calculator
Black-Scholes pricing for European options such as NIFTY and stock options on NSE.
Leave a premium blank to use the model's price at your volatility. Enter the actual premium you paid or received for a real trade.
Chance of profit assumes prices follow a lognormal path at your volatility. Real markets move in bigger jumps more often than that. Selling options needs margin, so check with your broker.
Compound interest
See how one investment grows, and how much the compounding frequency changes the result.
FD and interest payout
Compare taking the interest out each period with leaving it in to earn more.
Banks often pay a slightly lower rate on monthly payout FDs. TDS is deducted if the year's interest crosses the limit, so the amount you receive can be lower.
Currency converter
Rates are reference rates from around 18 September 2026. Markets move every day, so update them from your bank before you rely on a figure.
Edit rates (₹ per 1 unit)
What if it grows every day
The famous "1% a day" idea. Pick a small start, a gain per period and see where it lands, and how long it would really take to reach a billion.
Salary, hikes and bonus
See your pay before income tax, project it forward, work out your average hike, and see how big your bonus really is.
Taken out of CTC
Enter each as rupees a year or as a percentage of CTC. Percentage items grow with your pay, rupee amounts stay the same.
Income tax isn't included because it depends on your regime and investments.
Hike each year
Only know where you started and where you are
Bonuses received this year
Discount
Type the price you want to get the discount you need, or type a discount to get the price. The other one updates.
EMI calculator
For a car, phone or anything else you buy on a loan.
Fuel cost
Work out a trip's fuel cost from the distance, or from odometer readings when you need a record for a claim.
Home price per sq ft
Get the rate per sq ft from a total price, or the total price from a rate. Add stamp duty and GST to see what you'd really pay.
Rental yield
What rent earns you as a yearly return on the home's price, and the rent you'd need for a target return.
Return from the rent you get
Rent needed for a target return
Unit converter
Length, area, volume, weight, speed and temperature, shown in every unit at once.
Speed, distance and time
How long a drive takes, how fast you need to go to arrive on time, or how far you'll get.
Return calculators
Simple and compound returns, returns against a benchmark after fees, and returns on a foreign-currency investment.
From start and end values
Linking period returns
Enter each period's return in order, for example each year's or each month's return.
Dates and age
Exact age, days between two dates, working days in a range, and a countdown to any date.
Both dates are counted. Add holidays to leave them out too.
Fare per km
Turn a quoted fare into a rate per km, or a rate per km into the full fare with tolls, driver charges and GST.
Loan and invest, or pay cash
Buy on a loan, keep your money in an FD, and let the interest pay part of the EMI. See what comes in by itself, what you add from your pocket, and whether it beats paying cash.
Event cost
Plan a wedding, party or office event: venue, food by meal and plate type, and any other costs, each with its own discount.
Venue
Food
Each meal has its own plate prices, number of people and discount. Rename anything, add plate types, or add more meals.
Other costs
Split a bill
Add everyone who ate, list what was ordered, and say who shared each item. Taxes, the service charge and any tip are shared in proportion to what each person ordered, so nobody pays tax on a dish they never touched.
Read a bill from a photo
Optional. Take a photo of the bill or pick one, and the items are filled in below for you. Everything stays on your device: the picture is never uploaded. Printed bills read best; a creased or faded one will need a few corrections.
Who is splitting
What was ordered
Leave an item on Everyone to share it across the whole table, or pick the names that shared it.
Taxes, charges and tip
Enter each line as it appears on the bill. A percentage is worked out on the items total. Use a minus amount for a discount.
Support Ease My Finance
Ease My Finance is free, with no ads and no sign-up. If a calculator saved you time or helped you make a better decision, you can chip in to keep it running and pay for new calculators.
Pay with UPI
Scan the QR code with any UPI app and enter your amount. On your phone, pick an amount and tap the button to open your UPI app with it filled in.
Buy me a coffee
Paying from outside India, or prefer a card? UPI only works within India, so this covers everyone else.
Buy me a coffeeWhat your support pays for
Keeping the site online and the domain renewed, adding the calculators people ask for, and features like reading your bills and statements from a photo so you type less.
Other ways to help
Share a calculator with someone who'd find it useful, or tell me what to build next.
Automate the repetitive work
If your team spends hours every week copying data between files, building the same report or checking one system against another, I can automate it. Tell me what you do today and I'll reply with how it could work.
Excel and VBA macros
One-click imports, formatting, checks and exports for the workbooks you run every month.
Python tools
Desktop tools and scripts that process extracts, merge files and produce clean outputs.
Reports and reconciliations
Monthly reports and cross-checks between systems, built once and run reliably every time.
Data processing
Pipe-delimited, CSV and Excel files split, cleaned, validated and packaged automatically.
What happens next
Your message comes straight to my inbox. I'll reply by email, usually within two working days, with questions or a rough plan and estimate.
It helps to include which files or systems are involved, how often the task runs, and how long it takes today. Please don't send passwords or client data.