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Methodology

How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.

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Calculations run in your browser

When you move a slider or type an amount, the math runs locally in your browser. We do not send loan balances, salaries, or investment amounts to our servers. Share links encode your inputs in the URL so you can bookmark or send a scenario — treat shared URLs like any link that contains personal numbers.

Standard formulas

Most tools use widely published financial math: reducing-balance EMI amortization, compound interest, SIP future value, CAGR, present/future value, and similar textbook formulas. Below you'll find every calculator with its formula and a link to the live tool. Each calculator page also has a "How we calculate" panel with the same equation.

India tax & government schemes

India income tax, HRA, and regime-compare tools use slab rates and deductions documented for FY 2024-25 (AY 2025-26). PPF, NPS, SSY, NSC, and similar scheme calculators let you enter the notified interest rate — we do not hard-code a single live government rate unless the tool explicitly states one as a default example.

Scheme limits (80C cap, PPF yearly maximum, etc.) follow commonly cited rules at the time of the last review. Indian rules change in Union Budgets and notifications — always confirm with the Income Tax portal, EPFO, or your chartered accountant before filing or investing.

Currency exchange rates

The currency converter fetches indicative mid-market rates from the Frankfurter API (European Central Bank reference data), cached for about an hour. Banks and card networks apply their own spreads and fees — use the exchange calculator to model fees separately.

Worked examples & guides

Calculator pages show sample scenarios (e.g. ₹10L loan at 8.5% for 20 years). These are illustrations to explain the tool, not recommendations. Guides on /guides link to calculators so you can replace example numbers with your own.

How we update tools

  • India tax slabs and standard deductions when a new financial year is notified.
  • Default example rates when major scheme notifications change.
  • Formula bugs reported via contact or on-page "Report an issue" links.
  • New calculators when user demand and formula clarity justify a dedicated tool.

Report an error

Found a wrong formula, outdated slab, or broken share link? Use our contact form with the calculator URL and your expected result.

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All calculator formulas

123 tools — showing 1–20

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All calculators (123)India tax & schemes (18)Investment (13)Loans (14)Interest (2)Deposits (8)Retirement (7)Returns (4)Salary & Payroll (9)Tax (8)Property & Real Estate (5)Trading & Investing (11)Business (4)Currency (2)Budgeting & Planning (3)Health & Wellness (5)Converters (13)Everyday Tools (15)
15 vs 20 vs 30 Year Home Loan CalculatorLoans

EMI = P × r × (1 + r)^n / ((1 + r)^n − 1) for 15, 20, and 30-year tenures on the same principal

Enter loan amount and interest rate. We calculate EMI, total interest, and total repayment for 15, 20, and 30-year tenures using standard reducing-balance amortization.

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Age CalculatorHealth & Wellness

Age = calendar difference from date of birth to as-of date (years, months, days after month/day borrowing). Total days = end − start in whole days.

Enter your date of birth and optionally an “as of” date. We compute exact calendar age, total time lived, next birthday countdown, a live seconds counter when birth time is set, Journey of Life stats, and milestone timeline — with PDF export.

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Age Difference CalculatorHealth & Wellness

Gap = calendar span from earlier birth date to later birth date (years, months, days). Each person's age uses the same rules from their DOB to the as-of date.

Enter two dates of birth (optional names) and an as-of date. We compute each person's exact age and the calendar gap from the earlier birth to the later one — years, months, days, and total days apart.

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APY CalculatorRetirementIndia

Monthly contribution from PFRDA APY chart by entry age and pension slab; pension starts at 60; nominee corpus per slab

Select your entry age (18–40), desired guaranteed monthly pension (₹1,000 to ₹5,000), and payment frequency. Contribution amounts follow the official PFRDA APY chart.

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Area ConverterConverters

result = input × (factor_from ÷ factor_to) relative to the SI base unit for this type

Area converts via square metres. 1 acre = 4,046.86 m², 1 hectare = 10,000 m², 1 ft² = 0.092903 m².

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Basic & Scientific CalculatorEveryday Tools

Immediate execution: a ⊕ b on next op or equals. Scientific: sin/cos/tan (DEG|RAD), asin/acos/atan, log₁₀, ln, x², x³, √, ∛, 1/x, n!, 10ˣ, eˣ, a^b, π, e; percent, ±, memory; invalid → Error

Use Basic mode for quick +, −, ×, ÷, percent, and memory keys. Tap Scientific to unlock sin, cos, tan, inverses, log, ln, powers, roots, factorial, π, and e. Angle functions respect DEG or RAD. Operations evaluate as you go — classic handheld style.

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Bike Loan CalculatorLoans

EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); loan amount = bike price − down payment

Enter bike price, down payment, interest rate, and loan tenure to calculate monthly EMI, total interest, and repayment schedule.

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Bill Split CalculatorEveryday Tools

Net = amount paid − share of expenses; settlements greedily match debtors to creditors to minimize transfers

Add people (25 by default, up to 50 with higher limits), log each bill or expense with who paid and who shares it, then settle with the fewest transfers so everyone is even.

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BMI CalculatorHealth & Wellness

Metric: BMI = weight (kg) ÷ height (m)². Imperial: BMI = 703 × weight (lb) ÷ height (in)². BMI Prime = BMI ÷ 25. Ponderal Index = weight (kg) ÷ height (m)³

Choose metric or imperial, enter age, gender, weight, and height. We compute BMI, BMI Prime, Ponderal Index, WHO category, healthy weight band, an 8-zone visual gauge, comparison chart, and personalised wellness tips — with a link to build a full diet and workout plan.

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BMR CalculatorHealth & Wellness

Men: BMR = 10×kg + 6.25×cm − 5×age + 5. Women: BMR = 10×kg + 6.25×cm − 5×age − 161 (Mifflin–St Jeor). TDEE = BMR × activity factor (1.2–1.9)

Enter age, gender, weight, and height (metric or imperial), then pick an activity level. We compute Mifflin–St Jeor BMR, TDEE for each activity factor, activity calories above rest, and gentle cut/surplus bands — with a link to build a full diet and workout plan.

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Bonus CalculatorSalary & Payroll

Bonus tax varies by jurisdiction; net bonus = Gross bonus − withholding tax

Enter annual salary, bonus percentage, and estimated tax rate on bonus income to calculate gross bonus, tax, and net amount received.

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Break-even CalculatorBusiness

Break-even units = Fixed costs / (Selling price − Variable cost per unit)

Break-even Units = Fixed Costs / (Price − Variable Cost per Unit).

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Brokerage CalculatorTrading & Investing

Per-order brokerage = min(turnover × %, flat cap); total = per-order fee × number of orders

Enter trade turnover, brokerage %, flat cap per order, and number of orders. Per-order fee = min(turnover × %, flat cap) — matching discount broker pricing models.

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Budget CalculatorBudgeting & Planning

Savings rate = (Income − Total expenses) / Income × 100

Enter monthly income and expenses by category to see total spending, surplus, and savings rate.

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Business Loan CalculatorBusiness

EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); total repayment = EMI × loan term in months

Enter loan amount, interest rate, and tenure to calculate monthly EMI and total repayment cost.

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CAGR CalculatorReturns

CAGR = (Ending value / Beginning value)^(1/years) − 1

CAGR = (Ending Value / Beginning Value)^(1/years) - 1. Enter start value, end value, and years.

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Car Loan CalculatorLoans

EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); total cost = down payment + (EMI × months)

Enter vehicle price, down payment, interest rate, and loan tenure to calculate monthly EMI and total cost of financing.

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Chit Fund CalculatorDepositsIndia

Installment = chit value ÷ months; net payment = installment − bid÷members; payout = chit value − bid − foreman commission

Enter chit value, tenure in months, foreman commission, the month you take the chit, your bid discount, and average bids in other months. We model monthly installment minus dividend share and payout when you are prized.

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Color ConverterConverters

Parse color input → RGB values → output HEX, rgb(), rgba(), hsl(), hsla()

Type a HEX code (#FF8000), rgb(), hsl(), or a named color (e.g. teal). We parse it and show all formats with a live swatch preview.

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Commission CalculatorSalary & Payroll

Commission = Sales amount × commission rate / 100

Enter total sales amount, commission rate, and optional base salary to calculate commission earned and total compensation.

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