Every FinClamp calculator
Thirty-eight calculators covering loans, deposits, investments, tax, property and everyday spending. Each one shows the formula it uses and a worked example, so the answer can be checked rather than taken on trust. All free, no sign-up, and every calculation runs on your own device.
Loans & EMI
- EMI Calculator — Calculate loan EMI and repayment schedule
- Mortgage Calculator — Home loan calculator with advanced features
- Personal Loan — Personal loan EMI calculator
- Loan Prepayment — See what a lump sum or an extra monthly payment saves you in interest, and how much sooner the loan ends
- Debt Payoff Plan — Clear several debts at once — compare paying the highest rate first against the smallest balance first
- Credit Card Escape — How long a card balance really takes to clear, what the minimum due costs you, and whether moving it to a cheaper loan is worth the fee
Decisions
- Compare Two Choices — Rent or buy, SIP or FD, prepay or invest, new car or used — one engine that funds both choices from the same budget and says which leaves you richer, and when it changes hands
- Prepay or Invest? — The return your investments have to beat, after tax, for investing a lump sum to beat putting it into the home loan
- Cost of Waiting — What putting off a SIP, a prepayment, a retirement plan or an emergency fund by a few years actually takes off the end
- True Cost of a Car — Depreciation, interest, fuel, insurance, servicing and the return the money gave up — the whole cost of a car, not its instalment
- FIRE Reality Check — When you can actually retire, simulated month by month — and how far one point of inflation moves the date
Deposits
- Fixed Deposit — Calculate FD maturity amount and returns
- Recurring Deposit — RD maturity calculator
- PPF Calculator — Public Provident Fund calculator
Investments
- SIP Calculator — Systematic Investment Plan calculator
- SWP Calculator — Systematic Withdrawal Plan calculator
- CAGR Calculator — Compound Annual Growth Rate calculator
Tax
- Income Tax — Calculate income tax liability
- Capital Gains — Calculate capital gains tax
- HRA Exemption — How much of the HRA on your payslip is exempt under section 10(13A), and which of the three rules caps it
Retirement
- NPS Calculator — National Pension Scheme calculator
- EPF Calculator — Employee Provident Fund calculator
- Gratuity Calculator — Gratuity calculation for employees
- Retirement Planner — Work out the corpus you need at retirement in future money, what you are on course for, and the gap between them
Budget & Goals
- Budget Planner — Track income vs expenses and plan monthly budget
- Savings Goal Tracker — Calculate daily/monthly savings to meet goals
- Stock Average — Calculate average stock price over multiple purchases
- Net Worth Calculator — Add up your assets, subtract what you owe, and track your net worth over named sheets
- Emergency Fund — Size an emergency fund against what you actually have to keep paying, and see how long it takes to build
Property
- Real Estate — Calculate home loan EMI, total costs, and affordability
- Property Valuation — Estimate property value based on area, location
- Rent vs Buy — Compare renting vs buying costs over time
- Property Tax — Calculate annual property tax
Everyday Spends
- Bill Split — Split bills among friends or roommates
- Tip Calculator — Calculate tips and split bills
- Subscriptions — Track subscription costs
- Daily Interest — Calculate daily interest
- Monthly Expenses — Analyze monthly expenses
- Daily Spending — Track daily spending habits
- Grocery Budget — Estimate grocery needs
- Commute Cost — Calculate commute expenses
- WFH Savings — Calculate WFH cost savings
- Habit Cost Tracker — Track habit costs over time
Interest & Basics
- Discount Calculator — Calculate price after discounts
- Fuel Cost — Calculate fuel expenses
- Compound Interest — Calculate compound interest
- Simple Interest — Calculate simple interest
- Inflation Calculator — Calculate inflation impact
Business
- Quotation Builder — Create professional quotations
These calculators are for information and education. They are not financial advice — see the disclaimer.