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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Found a wrong formula, outdated slab, or broken share link?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.

See also: About beMyCalc · Disclaimer

All calculator formulas

123 tools — showing 61–80

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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)
Investment Return CalculatorReturns

Return % = (Ending value − Beginning value − Contributions) / (Beginning value + Contributions) × 100

Enter initial investment, final value, and holding period to calculate absolute return, percentage return, and annualized return.

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IP Subnet CalculatorEveryday Tools

Network = IP AND mask; broadcast = network OR ~mask; usable hosts = 2^(32−prefix) − 2 (except /31–/32)

Enter an IPv4 address with prefix length (e.g. 10.0.0.0/8). We compute network and broadcast addresses, usable host range, subnet mask, and wildcard mask.

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Length ConverterConverters

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

Enter a length value, choose the unit you have and the unit you want. Conversion uses SI-based factors (1 m = 3.28084 ft, 1 mi = 1.609344 km, etc.).

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Loan CalculatorLoans

Payment = P × r × (1 + r)^n / ((1 + r)^n − 1), where P = loan amount, r = monthly rate, n = months

Enter loan amount, annual interest rate, and tenure to calculate monthly payment, total interest, and total repayment.

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Lumpsum CalculatorInvestment

FV = P × (1 + r)^n, where P = lumpsum invested, r = annual return rate, n = years

Enter one-time investment amount, expected annual return, and investment period to see maturity value and wealth gained.

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Margin CalculatorTrading & Investing

Margin required = Position value / Leverage

Margin Required = Position Value / Leverage. Higher leverage means less capital needed but more risk.

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Markup CalculatorBusiness

Selling price = Cost × (1 + Markup% / 100)

Selling Price = Cost × (1 + Markup%). Markup is added on top of cost.

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Mortgage Affordability CalculatorProperty & Real Estate

Max payment = (Gross income × DTI%) − existing debts; max loan from payment using standard amortization

Uses debt-to-income ratio: max payment = (income × DTI%) − existing debts. Converts to max loan amount.

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Mortgage CalculatorLoans

Monthly payment = P × r × (1 + r)^n / ((1 + r)^n − 1); includes principal and interest over the loan term

Enter home price, down payment, interest rate, loan term, plus optional property tax and insurance for total monthly payment.

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Mortgage Refinance CalculatorProperty & Real Estate

Savings = (old total interest − new total interest) − closing costs; break-even = costs / monthly savings

Compares current EMI vs new rate/term, factoring closing costs to find break-even and lifetime savings.

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Mutual Fund CalculatorInvestment

SIP: standard monthly SIP formula; lumpsum: FV = P × (1 + r)^n

Choose SIP or lumpsum mode. Enter amount, expected annual return, and investment period. Uses standard compound growth formulas for monthly SIP or one-time investment.

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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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NPS CalculatorRetirementIndia

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.

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NPS vs PPF vs EPF CalculatorRetirementIndia

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.

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NSC CalculatorDepositsIndia

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).

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Options Profit CalculatorTrading & Investing

Profit per contract = (Intrinsic value at expiry − Premium paid) × 100 shares

Intrinsic value at expiry minus premium paid, multiplied by 100 shares per contract.

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Overtime CalculatorSalary & Payroll

Overtime pay = Overtime hours × (Hourly rate × multiplier), typically 1.5× or 2× base rate

Enter hourly rate, regular hours, overtime hours, and overtime multiplier (e.g., 1.5 for time-and-a-half) to calculate regular pay, overtime pay, and total earnings.

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Password GeneratorEveryday Tools

Random selection from enabled character pools (length L); strength from length and pool diversity

Choose length and character types. Passwords are generated locally in your browser using random selection from the enabled character pools.

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Payroll CalculatorSalary & Payroll

Net pay = Gross pay − tax withholding − employee benefit deductions

Enter number of employees, average monthly salary, employer tax rate, and benefits cost percentage to estimate total monthly and annual payroll cost.

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Percentage CalculatorEveryday Tools

% of = value × percent ÷ 100; what % = (part ÷ whole) × 100; change % = ((new − old) ÷ old) × 100

Choose a calculation type: percent of a number, what percent one value is of another, increase or decrease by a percent, or percent change between two amounts.

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