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.
Open calculator →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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3 tools in Budgeting & Planning — showing 1–3
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)
Emergency Fund CalculatorBudgeting & Planning
Target fund = Monthly expenses × months of coverage (typically 3–6)
Multiply monthly expenses by number of months (typically 3-6) to get your emergency fund target.
Open calculator →Net Worth CalculatorBudgeting & Planning
Net worth = Σ assets − Σ liabilities
Net Worth = Total Assets − Total Liabilities. Include property, investments, cash, and all debts.
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