How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.
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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.
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 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.
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.
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.
Found a wrong formula, outdated slab, or broken share link?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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8 tools in Deposits — showing 1–8
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.
Open calculator →Maturity = P × (1 + r/n)^(n×t) for compounded FD; simple FD uses A = P × (1 + r × t)
Enter deposit amount, annual interest rate, and tenure. FD interest is typically compounded quarterly in India.
Open calculator →Maturity = P × (1 + r)^n with annual compounding over the 5-year NSC tenure
Enter lump-sum NSC deposit and current NSC interest rate. Maturity is calculated with annual compounding over 5 years (standard NSC VIII issue tenure).
Open calculator →Monthly income = deposit × annual rate / 12; principal returned at maturity after 5 years
Enter deposit amount and MIS interest rate. Monthly income = deposit × annual rate / 12; principal is returned at maturity after 5 years.
Open calculator →Yearly balance compounds at the PPF rate; annual deposits capped at ₹1.5L with 15-year minimum lock-in
PPF has a 15-year lock-in with annual compounding. Enter yearly deposit amount, interest rate, and tenure.
Open calculator →Maturity = P × [((1 + r)^n − 1) / r] × (1 + r), where P = monthly deposit, r = monthly rate, n = months
Enter monthly deposit amount, interest rate, and tenure. Each installment earns interest compounded quarterly.
Open calculator →Maturity = P × (1 + r/4)^(4×t) with quarterly compounding over the SCSS tenure
Enter SCSS deposit and interest rate. Interest compounds quarterly over the 5-year tenure (extendable once by 3 years in real accounts).
Open calculator →Yearly SSY deposits compound at the notified rate; maturity when the account completes its 21-year tenure
Enter yearly deposit (up to ₹1.5 lakh), current SSY interest rate, and tenure (15–21 years). Returns compound annually like PPF until maturity when the girl child turns 21.
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