Free Financial Calculators
Take control of your financial future with our suite of precise and easy-to-use planning tools. Whether you're calculating a home loan EMI or planning your next mutual fund investment, we've got you covered.
Break-even Calculator
Determine the exact sales volume needed to cover corporate operating expenses.
SWP Calculator
Calculate systematic withdrawal plan (SWP) withdrawals and final balance projections.
Break-even Calculator
Determine the exact sales volume needed to cover corporate operating expenses.
SWP Calculator
Calculate systematic withdrawal plan (SWP) withdrawals and final balance projections.
EMI Calculator
Plan home, car & personal loan repayments with full amortization schedules.
Calculate EMI 🚀SIP Calculator
Project mutual fund SIP growth and wealth accumulation over time.
Plan SIP 📈GST Calculator
Compute GST on goods & services across all Indian tax slabs (5%, 12%, 18%, 28%).
Calculate GST 🧾Income Tax Calculator
Estimate your tax liability under Old vs New Tax Regimes (FY 2024-25).
Estimate Tax ⚖️The mathematics of financial planning
Financial calculations are governed by interest rate equations, compounding frequencies, and tax rules. Historically, executing these models required spreadsheets or consulting financial planners. However, modern client-side scripting allows browsers to calculate compound interest curves and tax liabilities locally.
By running calculations directly in your browser, OrangeTool ensures your salary details, loan amounts, and investment strategies remain completely private. No financial inputs are transmitted over the network, providing security for your personal data.
Deep dive: Our financial calculators
1. EMI Loan Calculator
The Equated Monthly Installment (EMI) calculator uses the standard reducing-balance loan amortization formula:
EMI = [P x r x (1+r)^n] / [(1+r)^n - 1], where P is the principal, r is the monthly interest rate, and n is the tenure in months. The tool calculates monthly principal and interest components, helping you evaluate home, car, and personal loans.
2. SIP Investment Planner
Our Systematic Investment Plan (SIP) calculator uses the future value of an annuity formula:
FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P represents the monthly contribution, i is the monthly return rate, and n is the number of months. This tool helps project wealth accumulation in mutual funds.
3. GST Calculator (India)
Our GST calculator handles standard Indian tax slabs (5%, 12%, 18%, 28%). It calculates both inclusive GST:
GST Amount = Original Cost - (Original Cost * (100 / (100 + GST Rate))) and exclusive GST:
GST Amount = (Original Cost * GST Rate) / 100, ensuring accuracy for invoice matching.
4. Income Tax Planner
The Income Tax calculator compares tax liabilities under the Old and New tax regimes for FY 2024-25 (AY 2025-26). It applies updated slabs, standard deductions, and exemptions, helping you compare regimes and optimize your taxes.
Comparison: Old Tax Regime vs. New Tax Regime (FY 2024-25)
A comparison of tax brackets and standard rates for individuals under 60 years:
| Taxable Income Bracket | Old Regime Rates | New Regime Rates | Key Difference |
|---|---|---|---|
| Up to ₹3,000,000 | Exempt (up to ₹2.5L) / 5% above | 0% (Nil) | New regime has higher zero-tax threshold |
| ₹300,001 - ₹600,000 | 5% | 5% (Rebate up to ₹7L) | Rebate makes New Regime zero-tax up to ₹7L |
| ₹600,001 - ₹900,000 | 20% (above ₹5L) | 10% | New regime has lower tax rates for middle income |
| ₹900,001 - ₹1,200,000 | 30% (above ₹10L) | 15% | New regime has a lower rate (15% vs 30% Old) |
| Deductions (80C, 80D, HRA) | Fully Allowed | Disallowed (except standard) | Old Regime allows deductions to lower tax |
Frequently Asked Questions
Does the EMI calculator support variable or floating interest rates?
The tool uses a fixed-rate model, which is the standard baseline for EMI projections. If your bank adjusts interest rates, you can update the rate slider to check your new monthly payments or revised loan tenure.
Why do my SIP returns differ slightly from actual mutual fund results?
SIP calculators assume a constant annual return rate for simplicity. Actual mutual funds are subject to market volatility, meaning daily net asset values (NAV) will fluctuate and returns will vary over time.
How is tax rebate under Section 87A calculated in the New Tax Regime?
Under the New Regime (FY 2024-25), individuals with a taxable income up to ₹7,00,000 receive a rebate under Section 87A, reducing their tax liability to zero. This rebate is automatically calculated by our tool.
What is the difference between GST inclusive and GST exclusive pricing?
GST exclusive means the tax is added to the base price of goods. GST inclusive means the tax is already factored into the final price. Our GST tool calculates both amounts to help with pricing and invoicing.
Are my salary and investment inputs saved on a database?
No. The calculators run entirely in your browser's local memory. No data is sent over the network, ensuring complete privacy for your financial calculations.
Does the calculator support compounding frequencies other than monthly?
Yes. The Compound Interest Calculator allows you to choose from daily, monthly, quarterly, semi-annual, or annual compounding frequencies to match your investment terms.
How is gratuity calculated for employees in India?
Our Gratuity Calculator uses the standard formula under the Payment of Gratuity Act: Gratuity = (Last Drawn Salary * 15 * Years of Service) / 26. This calculation is verified by our experts.
How do you calculate HRA tax exemption?
The HRA exemption is calculated as the minimum of: 1) Actual HRA received, 2) Rent paid minus 10% of basic salary, or 3) 50% of basic salary (for metro cities) or 40% (for non-metros).
What formula is used for Recurring Deposit (RD) calculations?
The RD calculator uses the formula: M = R x [(1+i)^n - 1] / [1 - (1+i)^(-1/3)], where M is the maturity value, R is the monthly installment, i is the interest rate, and n is the tenure in quarters.
Is the standard deduction included in the tax calculator?
Yes. The calculator factors in the standard deduction of ₹50,000 (FY 2024-25) for salaried individuals under both the Old and New tax regimes.