EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); amortization splits each EMI into principal + interest
Personal loans use the same EMI formula. Enter loan amount, interest rate, and tenure to see your repayment schedule.
Open calculator →Methodology
How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.
Jump to all calculator formulas →
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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All calculator formulas
123 tools — showing 81–100
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)
Pet Age CalculatorEveryday Tools
Human years from species/size chart: year 1 ≈ 15 human years for dogs; cats use accelerated early years then ~4 human years per cat year after year 2
Enter your pet's age in years and months. Cats and dogs use common veterinary chart factors — dog size (small, medium, large) adjusts the curve.
Open calculator →Portfolio Return CalculatorTrading & Investing
Return % = (Final value − Initial value − Net contributions) / (Initial value + Net contributions) × 100
Return = (Final Value − Initial − Contributions) / (Initial + Contributions) × 100.
Open calculator →Position Size CalculatorTrading & Investing
Shares = (Account size × risk %) / (Entry price − Stop loss price)
Shares = (Account × Risk%) / (Entry − Stop Loss). Limits loss to your risk tolerance.
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 →Power ConverterConverters
result = input × (factor_from ÷ factor_to) relative to the SI base unit for this type
Power converts via watts. 1 hp (US) ≈ 745.7 W, 1 metric PS ≈ 735.5 W, 1 kW = 1,000 W.
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 →Interest saved = reduced EMI schedule vs original; investment gain = FV of prepay amount at assumed return
Enter outstanding loan balance, rate, remaining tenure, prepayment amount, and expected investment return. We compare total interest saved from prepayment against lump-sum investment gains over the same period.
Open calculator →Present Value CalculatorInvestment
PV = FV / (1 + r)^n
Present Value = Future Value / (1 + r)^n. Enter future amount, discount rate, and years.
Open calculator →Pressure ConverterConverters
result = input × (factor_from ÷ factor_to) relative to the SI base unit for this type
Pressure converts through pascals. 1 bar = 100,000 Pa, 1 atm = 101,325 Pa, 1 psi ≈ 6,894.76 Pa.
Open calculator →Profit Margin CalculatorBusiness
Profit margin % = (Revenue − Costs) / Revenue × 100
Profit Margin = (Revenue − Costs) / Revenue × 100.
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)^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 →Rent vs Buy CalculatorProperty & Real Estate
Compare cumulative rent paid vs mortgage payments + maintenance − home equity gained over the holding period
Compares cumulative rent payments vs mortgage, down payment, and home equity appreciation over your timeline.
Open calculator →Rental Yield CalculatorProperty & Real Estate
Gross yield = (Annual rent / Property price) × 100; Net yield subtracts annual costs from rent
Gross Yield = (Annual Rent / Property Price) × 100. Net yield subtracts annual costs.
Open calculator →Retirement CalculatorRetirement
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.
Open calculator →Risk/Reward CalculatorTrading & Investing
Risk = |Entry − Stop loss|; Reward = |Target − Entry|; Ratio = Reward / Risk
Risk = |Entry − Stop Loss|. Reward = |Target − Entry|. Ratio = Reward / Risk.
Open calculator →ROI CalculatorReturns
ROI % = (Gain − Cost) / Cost × 100
ROI = (Net Profit / Cost of Investment) × 100. Enter investment cost and returns to get ROI percentage.
Open calculator →Salary CalculatorSalary & Payroll
Gross pay − statutory deductions (tax, social security, etc.) = net take-home; rates depend on country and bracket
Enter your annual CTC, basic salary percentage, HRA, PF contribution, and estimated tax rate. The calculator splits your package into components and estimates monthly net pay.
Open calculator →Sales tax = Price × tax rate / 100; Total = Price + Sales tax
Enter product price, sales tax rate, and choose whether the price is before or after tax to get the tax amount and final price.
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