Money & Budgeting Calculators
Plan a budget, grow your savings and protect against inflation — all in one place.
Updated June 2026 · Free · No sign-up
Sound money management starts with knowing where your income goes and what it will be worth tomorrow. This cluster brings together everyday planning tools — the Budget calculator to map monthly income against expenses, the Savings and Future Value calculators to project how regular deposits grow under compound interest, and the Inflation calculator to see the real purchasing power of money over a long horizon. They are built for Indian households planning goals such as a child's education, a down payment or retirement.
The hub also covers the maths behind returns and loans. The Average Return calculator distinguishes arithmetic mean, geometric mean and CAGR; the Amortization calculator generates a full month-by-month schedule of principal, interest and balance; and the Interest Rate calculator back-solves the rate from a known EMI. For investors, the CII Indexation calculator applies CBDT-published Cost Inflation Index values and runs the post-Budget-2024 comparison of 20% tax with indexation versus 12.5% without — alongside handy everyday tools such as Commission and Percent Off.
All Money & Budgeting Calculators
Budget Calculator
Create a personal budget, track expenses, and plan your monthly finances.
Savings Calculator
Calculate how fast your savings will grow with regular deposits and compound interest.
Inflation Calculator
Calculate the future cost of today's money under a given inflation rate, and the real purchasing power of a future amount in today's terms. Useful for retirement planning, education-goal sizing, and any long-horizon financial decision.
Future Value Calculator
Calculate the future value of an investment or savings with regular contributions and compound interest.
Interest Rate Calculator
Calculate the interest rate on a loan given principal, monthly payment, and term.
Average Return Calculator
Calculate arithmetic mean, geometric mean, and CAGR from a series of annual investment returns.
Amortization Calculator
Generate a full loan amortization schedule showing principal, interest, and balance each month.
Commission Calculator
Calculate sales commission, earned amount, and commission rate.
Percent Off Calculator
Calculate sale price and savings when a percent discount is applied.
CII Indexation Calculator
Calculate indexed cost of acquisition using CBDT-published CII values, plus the post-Budget-2024 dual-mode capital gains comparison: 20% with indexation vs 12.5% without indexation (for property and unlisted assets acquired before 23 July 2024).
Frequently asked questions
What is the difference between CAGR and average return?
The arithmetic average simply adds annual returns and divides by the number of years, which overstates real growth when returns swing up and down. CAGR (Compound Annual Growth Rate) is the single annual rate that takes your starting value to your ending value with compounding, so it reflects actual money grown. The Average Return calculator shows arithmetic mean, geometric mean and CAGR side by side.
Why does inflation matter for my savings goals?
Inflation erodes the purchasing power of money over time, so a sum that meets a goal today will buy less in future years. For long-horizon goals such as retirement or education, you must target the inflated future cost rather than today's price. The Inflation calculator projects the future cost of a present amount and the real value of a future sum in today's terms.
What is the Cost Inflation Index (CII) used for?
The Cost Inflation Index is published each financial year by the CBDT and is used to adjust the purchase cost of a long-term capital asset for inflation, which lowers the taxable gain. After Budget 2024, for eligible property and unlisted assets acquired before 23 July 2024, taxpayers can compare 20% tax with indexation against 12.5% without indexation and choose the lower. The CII Indexation calculator computes the indexed cost and runs both options.
How does a loan amortization schedule work?
Amortization splits each EMI into an interest portion and a principal portion, with interest charged on the outstanding balance. Early in the tenure most of the EMI is interest, and over time the principal share rises until the loan is fully repaid. The Amortization calculator generates the complete month-by-month table of principal paid, interest paid and remaining balance.
Explore other calculator hubs
Loan & EMI Calculators
Every EMI, eligibility and prepayment tool for Indian borrowers — in one place.
Income Tax Calculators (FY 2026-27)
Plan your FY 2026-27 taxes — regime comparison, deductions, TDS and salary, all updated to the latest slabs.
Investment & Mutual Fund Calculators
Project your wealth — SIP, lumpsum, step-up, withdrawals and return metrics for Indian investors.
Savings & Deposit Calculators
Maturity and interest for every Indian savings scheme — government and bank.
Health & Fitness Calculators
Know your numbers — body composition, calories and macros, with Asian-Indian health cutoffs.
CGPA & Percentage Calculators
Convert CGPA, SGPA and marks to percentage using each board's official formula.
Insurance Premium Calculators
Estimate the premium for every policy — life, health and motor — before you buy.
Retirement & Pension Calculators
Plan the corpus and monthly pension you'll retire on — every Indian retirement tool in one place.
GST & Business Calculators
Run the numbers for your shop or business — GST, pricing, margins and returns.
Date & Time Calculators
Work out any date, duration or auspicious time — from your age to today's Panchang.
Stock Market & Trading Calculators
Every trade-cost, margin and options tool an Indian trader needs — in one place.
Property, NRI & Forex Calculators
Property purchase, NRI remittance and forex transfers — costed for India in one place.
Pregnancy & Women's Health Calculators
Plan your cycle and pregnancy — ovulation, due dates and healthy weight gain in one place.
Fitness & Running Calculators
Train by the numbers — pace, heart-rate zones, splits and strength, all in one toolkit.
Diet & Body Metrics Calculators
Know your body's numbers — macros, hydration, fasting windows and key health markers.
Statistics & Probability Calculators
From averages to p-values — descriptive stats, probability and inference made simple.
Geometry Calculators
Solve area, volume, triangles and circles with the correct formula every time.
Algebra & Numbers Calculators
Solve percentages, fractions, quadratics, exponents and factors with full steps.
Math Tools & Converters
Everyday tools: a scientific calculator, unit converter, number-base and matrix maths.
Science & Engineering Calculators
Solve physics, chemistry and electronics with Ohm's law, half-life and molarity.
Exams & Admissions Calculators (India)
Predict your rank, band and score — and cost a degree abroad — all in one place.
Vehicle & Travel Calculators
Work out what your car really costs to buy and run — on-road price, fuel and EV charging.
Home & Energy Calculators
Get a grip on your power bill — estimate electricity costs, AC running and solar savings.
Construction & DIY Calculators
Estimate materials before you buy — concrete, tiles, roofing and Indian land units.
Everyday Tools & Fun Calculators
Quick everyday helpers and a few just-for-fun tools, from bill splits to pet ages.