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.
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7 tools in Retirement — showing 1–7
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 →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 →FIRE number = annual expenses × 25; years to FIRE from savings rate and expected investment return
Based on the 4% rule: FIRE number = annual expenses × 25. Enter savings rate to estimate years to FIRE.
Open calculator →Future value = Present value × (1 + inflation rate)^years; purchasing power erodes as prices rise
Enter current amount, inflation rate, and number of years to see future value equivalent and purchasing power loss.
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 →Corpus = FV of current savings + FV of monthly SIP; required corpus ≈ annual expenses × 25 (4% rule variant)
Enter current age, retirement age, monthly expenses, inflation rate, and expected returns to calculate required retirement corpus.
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