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Calculators

These pages show the arithmetic, not just a final number: income tax, GST, loan payments, deposits, percentages, age and BMI among them. Treat the figures as planning estimates and confirm anything you will file or sign.

129 tools · free · no account

EMI CalculatorNewEMI Calculator on Toolspire. Calculate your loan EMI, total interest and full repayment schedule instantly. See yearly charts.BMI CalculatorNewBMI Calculator on Toolspire: Enter height in feet or cm and weight in kg or lb to see your BMI, WHO or Asian (Indian) category and healthy weight range.Age CalculatorNewAge Calculator on Toolspire. Calculate your exact age in years, months and days, the next birthday countdown and age on any date.Scientific CalculatorNewTrig in degrees or radians, logs, powers, roots, factorial, nCr and nPr, fractions, memory and history. Works on phones.FD CalculatorNewFD Calculator on Toolspire: Calculate FD maturity and interest with quarterly compounding, monthly or quarterly payouts, senior citizen rates, tax and TDS.RD CalculatorNewRD Calculator on Toolspire: Calculate RD maturity amount and interest for any monthly deposit, rate and tenure.SIP CalculatorNewSIP Calculator on Toolspire: Calculate SIP returns for any monthly investment, rate and period — with yearly step-up, a lump sum, inflation.Percentage CalculatorNewPercentage Calculator on Toolspire: X% of a number, one number as a percent of another, percentage increase or decrease, marks and discounts — with the steps.PPF CalculatorNewPPF Calculator on Toolspire: Calculate PPF maturity and interest for yearly or monthly deposits at 7.1% or any rate — with 5-year extensions.Kundli MakerNewKundli Maker on Toolspire. Make a free janam kundli online by date, time and place of birth: lagna, Chandra and Navamsa charts, planet positions, nakshatra.Credit Card Payoff CalculatorNewCredit Card Payoff Calculator on Toolspire: See how long it takes to pay off a credit card and how much interest you pay — with 18% GST.Luxembourg Salary CalculatorNewLuxembourg Salary Calculator on Toolspire. Luxembourg gross to net salary calculator for 2026: income tax in class 1, 1a or 2, social contributions.GPA & CGPA CalculatorNewGPA & CGPA Calculator on Toolspire: Calculate SGPA, GPA and CGPA from credits and grades, convert CGPA to percentage with your university’s formula.GST CalculatorNewGST Calculator on Toolspire. GST calculator for India: add or remove GST at 5%, 18% or 40%, split CGST, SGST and IGST.Attendance CalculatorNewYour attendance %, how many classes you can skip or must attend to reach 75%, subject-wise tracking and a term planner.Car Loan EMI CalculatorNewCar loan EMI calculator for India: EMI on the on-road price, the real cost of a flat rate, processing fee and APR, tenure comparison and early closure.Home Loan EMI CalculatorNewHome Loan EMI Calculator on Toolspire: EMI, interest and schedule, prepayments that cut years off, rate changes, RBI LTV limits.Income Tax CalculatorNewIncome tax calculator for India, FY 2026-27 and 2025-26: compare the new and old regimes with HRA, 80C, 80D, NPS and home loan, slab by slab.Student Loan Payoff & Refinance CalculatorNewStudent Loan Payoff & Refinance Calculator on Toolspire: Student loan payoff calculator: add every loan, pay extra with the avalanche or snowball method.Mortgage CalculatorNewMortgage Calculator on Toolspire: US mortgage calculator with PMI, property tax, home insurance and HOA: monthly payment, when PMI ends.Auto Loan CalculatorNewAuto Loan Calculator on Toolspire: US auto loan calculator with trade-in, payoff owed, sales tax, rebates and fees: monthly payment, out-the-door price.Number to WordsNewNumber to Words on Toolspire: Turn an amount into words for a cheque or invoice: Indian lakh and crore, or millions.Compound Interest CalculatorNewCompound Interest Calculator on Toolspire: See how a lump sum grows with yearly, quarterly, monthly or daily compounding.Discount CalculatorNewDiscount Calculator on Toolspire. Work out a sale price, the rupees you save, and the real percent off when two discounts are stacked or you only know the was.Date Difference CalculatorNewDate Difference Calculator on Toolspire: Count the years, months, days and total days between two dates. No account is required.CAGR CalculatorNewFind the compound annual growth rate from a starting value, an ending value and the number of years, plus the total gain. Open CAGR Calculator on Toolspire.Gratuity CalculatorNewGratuity Calculator on Toolspire. Estimate gratuity from last drawn basic plus DA and years of service, using 15/26.HRA CalculatorNewFind house rent allowance exemption as the least of actual HRA, rent minus 10% of basic, and 50% or 40% of basic. Open HRA Calculator on Toolspire.In-hand Salary CalculatorNewIn-hand Salary Calculator on Toolspire: Turn annual CTC into monthly in-hand pay under the new tax regime, after employee PF, professional tax and income tax.Fuel Cost CalculatorNewFuel Cost Calculator on Toolspire: Estimate litres and rupees for a drive from distance, mileage and the price per litre.Electricity Bill CalculatorNewElectricity Bill Calculator on Toolspire. Estimate a power bill from units and up to three slab rates plus a fixed charge. Type your state board’s own rates.Calorie CalculatorNewCalorie Calculator on Toolspire. Estimate daily calories with the Mifflin–St Jeor equation, an activity level.Pregnancy Due Date CalculatorNewPregnancy Due Date Calculator on Toolspire. Estimate a due date as 280 days after the first day of the last period.Simple Interest CalculatorNewSimple Interest Calculator on Toolspire. Calculate simple interest from principal, annual rate and time in years, and see the total amount you repay or receive.Tip CalculatorNewAdd a tip percentage to a restaurant bill and split the total evenly across the number of people at the table. Open Tip Calculator on Toolspire.Profit Margin CalculatorNewProfit Margin Calculator on Toolspire. From cost and selling price, see profit, margin on the selling price, and markup on the cost.Break-even CalculatorNewBreak-even Calculator on Toolspire: Find how many units you must sell to cover fixed costs when you know the price and the variable cost of one unit.Overtime Pay CalculatorNewOvertime Pay Calculator on Toolspire: Add overtime to a wage: regular hours at the base rate and extra hours at a multiplier such as 1.5 or 2.Hourly Wage CalculatorNewHourly Wage Calculator on Toolspire: Convert a yearly salary into an hourly wage, or an hourly wage into yearly pay, using hours worked per week and 52 weeks.Savings Goal CalculatorNewSavings Goal Calculator on Toolspire. See how many months of saving it takes to reach a target, with an optional annual return on the balance you already have.Rule of 72 CalculatorNewRule of 72 Calculator on Toolspire: Estimate how many years money takes to double at a fixed annual rate, using the rule of 72 and the exact compound formula.SWP CalculatorNewSWP Calculator on Toolspire: See what a monthly withdrawal does to a corpus at a yearly return: ending balance, total withdrawn, and if the money runs out.EPF CalculatorNewEstimate an EPF corpus from basic pay, 12% employee share, employer EPF after EPS, and a yearly interest rate you can edit. Open EPF Calculator on Toolspire.Rent Affordability CalculatorNewRent Affordability Calculator on Toolspire: Turn a monthly income into a rent budget using a share of income, usually 30 percent.Split Bill CalculatorNewSplit Bill Calculator on Toolspire: Divide a bill across friends, with an optional tip, and see the exact amount each person should transfer.Ratio CalculatorNewSimplify two numbers to the smallest whole ratio and see what percent each part is of the total. The maths stays on your device.Quadratic Equation CalculatorNewQuadratic Equation Calculator on Toolspire. Solve a quadratic equation for its real roots from a, b and c. No account is required.Pythagorean CalculatorNewPythagorean Calculator on Toolspire: Find the hypotenuse of a right triangle from the two legs. No account is required.Circle CalculatorNewCircle Calculator on Toolspire: From a radius, get the area, circumference and diameter of a circle. The area uses π × radius squared.Inflation CalculatorNewInflation Calculator on Toolspire: See what today’s price becomes after years of inflation. No account is required.Paint CalculatorNewPaint Calculator on Toolspire: Estimate litres of paint for a rectangular room from length, width, height, coats and how many square metres a litre covers.Tile CalculatorNewTile Calculator on Toolspire: Count tiles for a rectangular floor from the room size and the tile size, then add a waste percentage for cuts and breakage.Down Payment CalculatorNewFrom a home or car price and a down-payment percent, see the cash you pay now and the loan that remains. The maths stays on your device.Ideal Weight CalculatorNewIdeal Weight Calculator on Toolspire: Estimate an adult ideal weight from height with the Devine formula, for men and for women, in kilograms.Water Intake CalculatorNewWater Intake Calculator on Toolspire: Estimate a daily water target from body weight, about 35 ml per kilogram, with an optional extra for exercise.Dividend Yield CalculatorNewDivide the annual dividend per share by the current share price to get the dividend yield as a percent. The maths stays on your device.PE Ratio CalculatorNewPE Ratio Calculator on Toolspire. Calculate the price-to-earnings ratio from a share price and earnings per share, and the earnings yield that is its inverse.ROI CalculatorNewROI Calculator on Toolspire: Measure return on investment from what you paid and what you got back, as a percent of the original cost.Pace CalculatorNewConvert a run or ride into pace and speed from the distance and the time in minutes. The maths stays on your device. Open Pace Calculator on Toolspire.Concrete CalculatorNewWork out concrete volume in cubic metres from length, width and depth. Use metres for every side. The maths stays on your device.Loan to Value CalculatorNewLoan to Value Calculator on Toolspire: Divide the loan by the property price to get the loan-to-value ratio lenders use when they price a mortgage.Cap Rate CalculatorNewCalculate a property cap rate by dividing yearly net operating income by the price, before mortgage payments. The maths stays on your device.Fraction CalculatorNewFraction Calculator on Toolspire: Add, subtract, multiply or divide two fractions and see the result in lowest terms, plus the decimal value.Average CalculatorNewPaste a list of numbers and get the mean, median, minimum, maximum and how many values were counted. The maths stays on your device.Sleep Cycle CalculatorNewSleep Cycle Calculator on Toolspire: Pick a wake-up time and see bedtimes that land on 90-minute sleep cycles, with a few minutes to fall asleep.Business Days CalculatorNewBusiness Days Calculator on Toolspire: Count Monday-to-Friday days between two dates. Weekends are skipped. Public holidays are not.Aspect Ratio CalculatorNewAspect Ratio Calculator on Toolspire: Simplify a width and height to a ratio such as 16:9, and scale that ratio to any new width or height.DPI CalculatorNewFind pixels per inch from a screen’s pixel width, pixel height and diagonal size in inches. The maths stays on your device. Open DPI Calculator on Toolspire.Random Number GeneratorNewRandom Number Generator on Toolspire: Generate one or more random whole numbers between a minimum and a maximum. Each draw uses your browser’s random source.Countdown TimerNewCountdown Timer on Toolspire: Count down to a date and time in days, hours, minutes and seconds. The clock updates while this tab is open.StopwatchNewStopwatch on Toolspire: A stopwatch in the browser with start, stop and lap. Lap times stay on the page until you reset. Nothing is saved.Step-up SIP CalculatorNewProject a monthly SIP that increases by a fixed percent each year, and separate the money you deposit from the gain. Open Step-up SIP Calculator on Toolspire.Lumpsum CalculatorNewLumpsum Calculator on Toolspire. See what a one-time investment can become after yearly compounding, and how much of the result is growth rather than principal.XIRR CalculatorNewXIRR Calculator on Toolspire. Work out the annualised return of irregular investments and payouts. This is the XIRR figure mutual-fund apps show for a SIP.Retirement Corpus CalculatorNewRetirement Corpus Calculator on Toolspire: Estimate the corpus a monthly investment can build before retirement.Emergency Fund CalculatorNewEmergency Fund Calculator on Toolspire. Turn monthly essential expenses into an emergency fund of 3, 6 or 12 months.Sukanya Samriddhi CalculatorNewSukanya Samriddhi Calculator on Toolspire: Estimate a Sukanya Samriddhi maturity after 15 yearly deposits and six silent years.Home Loan Eligibility CalculatorNewHome Loan Eligibility Calculator on Toolspire: Estimate a home loan from monthly income, existing EMIs, a FOIR share and the rate and tenure you would accept.Flat vs Reducing CalculatorNewFlat vs Reducing Calculator on Toolspire. Compare a flat-rate EMI with a reducing-balance EMI on the same principal, annual rate and tenure.NPS CalculatorNewProject an NPS corpus from a fixed monthly contribution and an annual return, then split it 60% lump sum and 40% annuity. Open NPS Calculator on Toolspire.Amortization Schedule CalculatorNewAmortization Schedule Calculator on Toolspire. Build a reducing-balance loan schedule: the EMI, total interest.VAT CalculatorNewAdd VAT to an exclusive price, and extract the VAT already hidden inside an inclusive price, at the percentage you type. Open VAT Calculator on Toolspire.Percentage Change CalculatorNewMeasure the percent rise or fall from an old number to a new number, using (new − old) ÷ old. The maths stays on your device.Sales Tax CalculatorNewSales Tax Calculator on Toolspire: Add sales tax to a sticker price, and see how much tax is already inside a price that includes it, at one local rate.Day of Week CalculatorNewFind the weekday of a calendar date using UTC, so the answer does not shift when your laptop changes time zone. Open Day of Week Calculator on Toolspire.ISO Week NumberNewFind the ISO-8601 week number of a date, including the ISO year when the week belongs to the year next door. The maths stays on your device.Age Difference CalculatorNewFind the age gap between two birth dates in calendar years, months and days, plus the exact day count. The maths stays on your device.One Rep Max CalculatorNewOne Rep Max Calculator on Toolspire. Estimate a one-rep max from a weight and the reps you lifted, using the Epley formula and the Brzycki formula side by side.Macro CalculatorNewMacro Calculator on Toolspire: Turn a calorie target and protein, carbohydrate and fat percentages into grams, using 4, 4 and 9 calories per gram.Body Fat CalculatorNewBody Fat Calculator on Toolspire: Estimate body-fat percentage with the US Navy circumference method, typing height, neck, waist and hip in centimetres.Target Heart Rate CalculatorNewEstimate a maximum heart rate as 220 minus age, then list the 50, 60, 70 and 80 percent training zones. The maths stays on your device.Ovulation CalculatorNewEstimate an ovulation date as the last period plus cycle length minus 14 days, and mark a fertile window around it. Open Ovulation Calculator on Toolspire.Unit Price CalculatorNewUnit Price Calculator on Toolspire: Divide a pack price by the quantity inside it, then price a different quantity at that same rate per unit.Speed Distance Time CalculatorNewSpeed Distance Time Calculator on Toolspire. Solve speed, distance or time by leaving exactly one of the three blank. Distance is kilometres, speed is km/h.Present Value CalculatorNewDiscount a future lump sum back to today with present value = future ÷ (1 + rate) raised to the number of years. Open Present Value Calculator on Toolspire.Effective Annual Rate CalculatorNewEffective Annual Rate Calculator on Toolspire: Turn a nominal annual rate and a compounding count into the effective annual rate, (1 + r/n)^n − 1.Sinking Fund CalculatorNewFind the equal year-end deposit that grows to a target, using payment = target × r ÷ ((1 + r)^years − 1). The maths stays on your device.Straight-Line DepreciationNewStraight-Line Depreciation on Toolspire: Spread an asset’s cost minus salvage in equal yearly depreciation: (cost − salvage) ÷ useful life.Declining Balance DepreciationNewApply a fixed percent to the opening book value, and show year-one depreciation plus the book value left. The maths stays on your device.Current Ratio CalculatorNewCurrent Ratio Calculator on Toolspire. Divide current assets by current liabilities. A result of 2 means there are two rupees of short-term assets per rupee.Quick Ratio CalculatorNewQuick Ratio Calculator on Toolspire. Subtract inventory from current assets, then divide by current liabilities. This is the acid-test ratio.Debt to Equity CalculatorNewDivide total debt by shareholders’ equity. 150 of debt and 100 of equity is a debt-to-equity ratio of 1.5. The maths stays on your device.Inventory Turnover CalculatorNewInventory Turnover Calculator on Toolspire: Divide cost of goods sold by average inventory, then turn that turnover into days on hand using a 365-day year.Days Sales OutstandingNewDays Sales Outstanding on Toolspire: Turn receivables and credit sales into days sales outstanding: receivables ÷ credit sales × 365.Payment Gateway Fee CalculatorNewPayment Gateway Fee Calculator on Toolspire: Add a percent fee and a fixed fee on a payment, and show what remains after that gateway charge.Freelancer Rate CalculatorNewFreelancer Rate Calculator on Toolspire: Gross up a desired annual take-home across billable hours and a tax percent.ROAS CalculatorNewDivide revenue attributed to ads by ad spend. A ROAS of 5 means ₹5 of revenue for each ₹1 of spend. The maths stays on your device.CTR CalculatorNewDivide clicks by impressions and multiply by 100. Fifty clicks on 1,000 impressions is a 5% click-through rate. Open CTR Calculator on Toolspire.CPM CalculatorNewCPM Calculator on Toolspire: Find cost per mille: ad spend ÷ impressions × 1,000. ₹200 for 10,000 impressions is a ₹20 CPM. The maths stays on your device.Conversion Rate CalculatorNewConversion Rate Calculator on Toolspire. Divide completed actions by visits and multiply by 100. Twenty-five actions from 500 visits is a 5% conversion rate.Churn Rate CalculatorNewDivide customers lost by customers at the start of the period. Ten lost from 200 is a 5% churn rate. The maths stays on your device.Customer Lifetime ValueNewCustomer Lifetime Value on Toolspire. Estimate a simple lifetime value as average revenue per customer divided by the churn rate. ₹50 at 5% churn is ₹1,000.Payback Period CalculatorNewPayback Period Calculator on Toolspire. Divide an upfront cost by the steady monthly net cash it returns. ₹12,000 recovered at ₹1,000 a month takes 12 months.NPV CalculatorNewNPV Calculator on Toolspire: Discount a run of equal year-end cash flows and subtract the upfront cost. The rate is yearly. The flows do not change.NSC CalculatorNewNSC Calculator on Toolspire: Compound a National Savings Certificate deposit annually for five years at the rate you type. The term is fixed at five years.Post Office MIS CalculatorNewPost Office MIS Calculator on Toolspire. Turn a principal and an annual rate into a monthly interest cheque: principal × rate ÷ 100 ÷ 12.Prorated Salary CalculatorNewProrated Salary Calculator on Toolspire: Prorate a monthly salary by days worked over the days in that month. ₹30,000 across 30 days is ₹1,000 a day.Leave Encashment CalculatorNewLeave Encashment Calculator on Toolspire: Value encashed leave as monthly basic ÷ 30 × leave days. ₹30,000 basic and 15 days is ₹15,000.Bonus CalculatorNewApply a bonus percent to basic pay, capped by a ceiling. ₹20,000 basic, 8.33% and a ₹7,000 ceiling uses ₹7,000 as the base. Open Bonus Calculator on Toolspire.Markup CalculatorNewMarkup Calculator on Toolspire: Add a markup percent to cost to get a selling price, and show the margin that markup becomes on the selling price.Add Days CalculatorNewAdd Days Calculator on Toolspire. Add a number of days to a calendar date in UTC. 31 January 2024 plus 1 day is 1 February 2024.Quarter CalculatorNewQuarter Calculator on Toolspire: Name the calendar quarter of a date. January through March are Q1. 15 January 2026 is Q1 2026. October is Q4.Indian Fiscal YearNewName the Indian financial year of a date. 15 January 2026 is FY 2025-26. 1 April 2026 is FY 2026-27. The maths stays on your device.Body Surface AreaNewBody Surface Area on Toolspire. Estimate body surface area with the Mosteller formula, the square root of height times weight over 3600.Mean Arterial PressureNewEstimate mean arterial pressure as (systolic + 2 × diastolic) / 3. 120 and 80 give 93.33 mmHg. The maths stays on your device.Waist Hip RatioNewDivide waist circumference by hip circumference. A waist of 80 and a hip of 100 give a ratio of 0.8. The maths stays on your device.Appliance Energy CalculatorNewAppliance Energy Calculator on Toolspire: Turn watts and hours into kilowatt-hours, then price them. A 1000 W appliance for 2 hours uses 2 kWh.Cross Rate CalculatorNewCross Rate Calculator on Toolspire. Multiply two exchange quotes that share a middle currency. If 1 USD is 83 INR and 1 EUR is 1.1 USD, then 1 EUR is 91.3 INR.ESI CalculatorNewEstimate ESI on a monthly wage at or under ₹21,000: employee 0.75% and employer 3.25%. ₹20,000 is ₹150 and ₹650. Open ESI Calculator on Toolspire.

FAQ

Calculators: common questions

What belongs in Calculators on Toolspire?

Calculators is one collection on justtools.info. Open any tool and the page tells you whether the work stays on your device or a public lookup is required.

How accurate are the calculators?

Each calculator uses the standard published formula for its topic and shows the working, so you can check every step.

Are the results financial or medical advice?

No. Results are estimates for planning and general information. Confirm important figures with your bank, a qualified adviser or a doctor.

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