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Found a wrong formula, outdated slab, or broken share link?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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18 tools in India tax & schemes — showing 1–18
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.
Open calculator →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 →Monthly employee + employer PF contributions compounded at EPF rate: FV = SIP formula on combined monthly deposit
Enter your monthly employee PF contribution, employer match (%), expected EPF rate, and years of service. Corpus is projected using monthly compounding on combined contributions.
Open calculator →Net weight = gross × (1 − stone%); gold value = net weight × rate/gram; max loan = value × 75% (RBI norm). Repayment: EMI (reducing balance), interest-only (principal at maturity), or compound (unpaid interest capitalizes monthly)
Enter gross gold weight and stone deduction, pick purity, then set the lender's gold rate per gram and your gold loan interest rate. We value the ornament, apply the 75% loan cap, and calculate reducing-balance EMI for your tenure.
Open calculator →Gratuity = (15 × last drawn salary × years of service) / 26 under the Payment of Gratuity Act
Enter last drawn salary (basic + DA) and completed years of service. Gratuity = (15 × last drawn salary × years of service) / 26 under the standard formula.
Open calculator →Deduction = min(interest paid, ₹2L Section 24b cap) + min(principal repaid, ₹1.5L Section 80C cap)
Enter annual home loan interest and principal repaid. Section 24(b) allows up to ₹2 lakh interest deduction for self-occupied property. Principal counts under Section 80C (₹1.5L cap shared with PPF, ELSS, etc.).
Open calculator →Exempt HRA = minimum of (HRA received, Rent paid − 10% of Basic, 50%/40% of Basic for metro/non-metro)
Exempt HRA is the minimum of: (1) actual HRA received, (2) rent paid minus 10% of basic, (3) 50% of basic for metro or 40% for non-metro. Applicable under old tax regime only.
Open calculator →Tax = slab-wise tax − Section 87A rebate + 4% cess; old vs new regime use different slabs and deductions
Enter gross annual salary and deductions available under the old regime. We apply FY 2024-25 slabs, standard deduction (₹50k old / ₹75k new), Section 87A rebate, and 4% cess to show which regime leaves more in your pocket.
Open calculator →Corpus = FV of tier-1 contributions compounded at assumed return; annuity income = corpus × annuity rate
Enter monthly NPS contribution, expected return, current age, and retirement age to estimate corpus and annuity pension.
Open calculator →NPS and EPF corpus from monthly compounding; PPF from yearly deposits; all projected to the same retirement horizon
Enter monthly contribution, rates, age, and employer EPF match. NPS and EPF use monthly compounding; PPF uses yearly deposits up to your chosen amount.
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 →RD and SIP use monthly deposit formulas; FD uses lump-sum compounding on total savings at period start
Enter monthly savings, SIP/RD/FD rates, and years. RD and SIP use monthly deposits; FD assumes the full amount is deposited as a lump sum at the start.
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 →SIP FV uses compound growth on monthly deposits; FD/PPF use their respective compounding rules side by side
Enter monthly investment amount, expected SIP return, FD rate, PPF yearly deposit and rate. We project maturity values and highlight the best option.
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.
Open calculator →TDS = gross amount × TDS rate / 100; net amount = gross − TDS
Enter gross payment amount and TDS rate (%). TDS = gross × rate / 100; net amount = gross − TDS. Use the rate applicable to your payment section (194A, 194C, etc.).
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