Money maths,
sorted.settled.solved.simplified.decoded.crunched.planned.handled.done.
SIP, lump sum, SWP, annuity, loan EMI and interest on every kind of account — drag a slider or type the exact figure, pick your country & currency inside each table, and watch the working stay in the open.
detecting your location…
every receipt below is live — go on, slide something ✍
Welcome to the calculator desk. Every calculator runs the standard, textbook formulas — the same ones printed in CFA and banking literature — with nothing hidden. Each table below carries its own country & currency picker (auto-set for you), so every number speaks your money's language. Use the sliders to explore, or type exact figures; the two always agree. And nothing you type goes anywhere — no sign-up, no storage, no uploads; every calculation runs inside your browser.
Loan EMI calculator — every loan type
tenure is the biggest leverPick a loan type — typical street rates for your country pre-fill themselves — then slide to your number.
EMI = P × i × (1+i)ⁿ ÷ ((1+i)ⁿ − 1)
ca's corner: tenure is the biggest EMI lever you control — pull it down.
Loan affordability — how much can I borrow?
know your ceilingBanks decide your ceiling by capping the EMI share of your income. Flip that maths: get the EMI you can afford and the biggest loan it buys.
Max loan = EMI × [1 − (1+i)⁻ⁿ] ÷ i
ca’s corner: the bank approves what you can repay; you should approve what you can live with.
Prepayment calculator — pay off early
small extra, huge saveOne extra payment a month attacks the principal directly. Watch the interest melt and the finish line pull closer.
Same amortisation — but every extra rupee skips its interest
ca’s corner: check for a prepayment penalty first — most floating-rate home loans have none.
Credit card payoff calculator
kill the balance before it kills youCard debt compounds daily at brutal rates. See exactly how many months your payment needs — and what the interest really costs.
n = −ln(1 − B·i ÷ P) ÷ ln(1+i)
ca’s corner: paying only the minimum is how a phone turns into a two-year loan.
Budget planner — the 50/30/20 split
every rupee gets a jobSplit your take-home into needs, wants and savings — the classic 50/30/20 rule, with sliders because real life is not a textbook.
✳ Savings share is the remainder — aim for at least 20%.
Needs 50 · Wants 30 · Savings 20 — slide to fit your life
ca’s corner: a budget you can keep beats a perfect one you quit.
Emergency fund calculator
sleep-at-night moneyJob pauses, hospitals, gutted phones — life invoices without notice. Size the buffer that keeps a bad month from becoming debt.
Target = monthly essentials × months of cover
ca’s corner: this fund is not for investments — it’s for 3 a.m. emergencies. Keep it boring, keep it liquid.
Savings goal calculator — how much per month?
work backwards from the dreamA wedding, a home down-payment, a degree. Set the target and the date — this works out the exact monthly saving that lands it.
P = FV × i ÷ [((1+i)ⁿ − 1) × (1+i)]
ca’s corner: name the goal — unnamed savings always find a way to get spent.
SIP calculator
the quiet wealth machineInvest a fixed amount every month and let compounding do the quiet work.
✳ Monthly compounding assumed. Gains shown are pre-tax.
FV = P × [((1+i)ⁿ − 1) ÷ i] × (1+i)
ca's corner: a 10-year SIP is boring. that's exactly why it works.
Lump sum calculator
patience, compoundedOne deposit, left alone. The most underrated ingredient is the years.
✳ Monthly compounding assumed. Gains shown are pre-tax.
FV = P × (1+i)ⁿ, i = annual rate ÷ 12
ca's corner: one good lump sum + decades of patience = quiet compounding.
Interest income calculator — savings, FD, RD & schemes
ask about compoundingPick an account or scheme — typical rates for your country pre-fill — then set deposit and years. Compounding switches itself sensibly.
M = P × (1 + r/m)m×Y · simple: P(1 + rY)
ca's corner: compounding frequency is free money — always ask for it.
Retirement corpus calculator
your 60-year-old self says thanksInflate today’s lifestyle to retirement day, size the corpus with the 4% rule, and work out the monthly SIP that builds it.
✳ Corpus = 25× your first year of retirement expenses (the 4% rule).
Corpus = 25 × annual expense at retirement
ca’s corner: retirement is not an age — it’s a number. This finds yours.
SWP calculator
a salary from your own corpusWithdraw a fixed amount every month from a corpus and see what survives.
Bal = W(1+i)ⁿ − S × [((1+i)ⁿ − 1) ÷ i]
ca's corner: withdraw less than it earns, and the corpus never ages.
Annuity calculator
why pensions sleep peacefullyTurn a one-time corpus into a level monthly income for a fixed number of years.
PMT = W × i ÷ (1 − (1+i)⁻ⁿ)
ca's corner: annuity maths is why pension funds sleep peacefully.
Inflation impact calculator
why 100 shrinks without anyone stealing itSame item, same shelf — heavier price tag. See tomorrow’s price of anything, and what today’s money will actually buy then.
F = C × (1+f)ⁿ · purchasing power = C ÷ (1+f)ⁿ
ca’s corner: cash under the mattress is the only investment guaranteed to lose.
Country guide: accounts & loan rates
tap a row → it loads the calculatorPick a country to browse its typical savings schemes and loan rates. Tapping any row carries the country, currency and typical rate straight into the matching calculator above.
accounts & schemes
loans
ca's corner: rates move — treat these as a map, not a promise.
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