Finance Calculators
The finance calculators cover two markets. For India there are EMI and home loan calculators with prepayment and tax benefits, SIP, SWP, PPF, FD and RD for saving, GST, an income tax calculator that compares the new and old regimes for FY 2026-27, and a property planner that links stamp duty in 12 states with the Section 54 and 54F capital gains exemption. For the US there are mortgage, 401(k), federal income tax and sales tax calculators, real-estate investor tools such as DSCR, BRRRR, debt yield and 1031 exchange deadlines, dividend projections for popular ETFs, and tax on stock options and RSUs. For remote freelancers paid in dollars, a freelance salary calculator covers 15 countries' tax and social security. For founders selling a software business, a micro-SaaS valuation calculator turns MRR, churn and founder hours into an exit multiple, and a SaaS unit economics calculator links churn, LTV, CAC, payback and runway. Compound interest, inflation and retirement work anywhere. Every page shows its formula, a worked example and the date its figures were last checked.
Calculators for India (₹)
- EMI CalculatorWork out the monthly instalment on a home, car or personal loan — and what it costs you in interest.
- SIP CalculatorSee what a monthly mutual fund investment could grow into, or how much you need to invest each month to reach a goal.
- SWP CalculatorSee how long your savings last when you take a monthly income from them, raised every year to keep up with inflation.
- Stamp Duty & Capital Gains Planner (India)Sell one asset, buy a house: stamp duty and registration in 12 states, LTCG with or without indexation, and the Section 54 or 54F exemption, in one plan.
- Section 54F Exemption CalculatorSold a plot, shares or gold? Work out the 54F exemption with the proportionate formula, the ₹10 crore cap and stamp duty counted in the new house's cost.
- Section 54 Capital Gains Exemption CalculatorSold a house and buying another? The gain is exempt up to what you reinvest, stamp duty included, with the two-house option and the ₹10 crore cap.
- Capital Gains Tax on Property Calculator (India)LTCG on land, a flat or a house: 12.5% flat or 20% with indexation for property bought before 23 July 2024, whichever is lower, with surcharge and cess.
- Stamp Duty & Registration Charges CalculatorStamp duty and registration for men, women and joint buyers in 12 states and 15 cities, on the higher of price and circle rate, and what it adds to a 54 or 54F claim.
- NRI Property Sale Tax CalculatorSelling property in India from abroad: 12.5% LTCG without indexation, the TDS the buyer withholds, and how Section 54 or 54F can bring both down.
- Stamp Duty and Registration Charges MaharashtraMaharashtra stamp duty is 6%, 5% for women, with registration at 1%. Work out both for your home, on the price or the ready reckoner rate.
- Stamp Duty and Registration Charges KarnatakaKarnataka stamp duty is 5% plus 12% cess and surcharge on the duty, with registration at 2%. Work out both for your home, on the price or the guidance value.
- Stamp Duty and Registration Charges DelhiDelhi stamp duty is 6%, 4% for women, with registration at 1%. Work out both for your home, on the price or the circle rate.
- Stamp Duty and Registration Charges Tamil NaduTamil Nadu stamp duty is 7%, with registration at 4%. Work out both for your home, on the price or the guideline value.
- Stamp Duty and Registration Charges TelanganaTelangana stamp duty is 5.5%, with registration at 0.5%. Work out both for your home, on the price or the market value.
- Stamp Duty and Registration Charges Uttar PradeshUttar Pradesh stamp duty is 7%, 6% for women, with registration at 1%. Work out both for your home, on the price or the circle rate.
- Stamp Duty and Registration Charges HaryanaHaryana stamp duty is 7%, 5% for women, with registration at 1%. Work out both for your home, on the price or the collector rate.
- Stamp Duty and Registration Charges GujaratGujarat stamp duty is 4.9%, with registration at 1%. Work out both for your home, on the price or the jantri rate.
- Stamp Duty and Registration Charges West BengalWest Bengal stamp duty is 6%, with registration at 1%. Work out both for your home, on the price or the market value.
- Stamp Duty and Registration Charges KeralaKerala stamp duty is 8%, with registration at 2%. Work out both for your home, on the price or the fair value.
- Stamp Duty and Registration Charges RajasthanRajasthan stamp duty is 6%, 5% for women plus 20% infrastructure cess on the duty, with registration at 1%. Work out both for your home, on the price or the DLC rate.
- Stamp Duty and Registration Charges Madhya PradeshMadhya Pradesh stamp duty is 7.5%, with registration at 3%. Work out both for your home, on the price or the collector guideline rate.
- Stamp Duty in Mumbai CalculatorMumbai charges 5% stamp duty plus 1% metro cess, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Pune CalculatorPune charges 5% stamp duty, 1% LBT and 1% metro cess, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Thane CalculatorThane charges 5% stamp duty, 1% LBT and 1% metro cess, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Nagpur CalculatorNagpur charges 5% stamp duty, 1% LBT and 1% metro cess, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Bengaluru CalculatorBengaluru charges 5% stamp duty plus a 10% cess and 2% surcharge on the duty, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Chennai CalculatorChennai charges 7% stamp duty, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Hyderabad CalculatorHyderabad charges 4% stamp duty plus 1.5% transfer duty, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Gurugram CalculatorGurugram charges Haryana's urban rate: 7% for men, 5% for women, 6% joint, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Noida CalculatorNoida charges Uttar Pradesh's 7%, with 1 point off for women up to ₹1 crore, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Ghaziabad CalculatorGhaziabad charges Uttar Pradesh's 7%, with 1 point off for women up to ₹1 crore, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Lucknow CalculatorLucknow charges Uttar Pradesh's 7%, with 1 point off for women up to ₹1 crore, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Kolkata CalculatorKolkata charges 6% up to ₹1 crore and 7% above, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Ahmedabad CalculatorAhmedabad charges 3.5% stamp duty plus a 1.4% surcharge, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Jaipur CalculatorJaipur charges 6% for men or 5% for women, plus a 20% cess on the duty, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Stamp Duty in Indore CalculatorIndore charges 7.5% stamp duty including local body duties, and registration on top. See the duty for your flat as a man, woman or joint buyer, and what it adds to a 54F claim.
- Income Tax Calculator (India)Compare your tax under the new and old regimes for FY 2026-27, with the 87A rebate, surcharge and cess worked out slab by slab.
- GST CalculatorAdd GST to a price or take it out of an inclusive one, split into CGST and SGST or IGST at the 2025 rates.
- Home Loan EMI CalculatorHome loan EMI, total interest and a yearly schedule, plus how much a yearly part-prepayment saves and the tax you get back.
- Compound Interest CalculatorSee a lump sum and regular additions grow with interest on interest, compounded yearly, quarterly, monthly, daily or continuously.
- Inflation CalculatorWhat today's expenses will cost in the future, and how much of your money's buying power inflation takes away.
- Retirement CalculatorHow big a corpus you need to retire, whether your savings will get there, and the extra monthly investment to close any gap.
- FD CalculatorMaturity amount and interest on a bank fixed deposit, compounded quarterly the way Indian banks do it.
- RD CalculatorMaturity value of a recurring deposit at a bank or post office, with each instalment compounded quarterly.
- PPF CalculatorTax-free maturity value of a Public Provident Fund account over 15 years, or longer with 5-year extensions.
Calculators for the US ($)
- Stock Option & RSU Tax CalculatorRSU vests, ISO and NSO exercises in one tax year: regular tax, AMT, FICA, what your employer withholds and what is left to pay.
- ISO AMT CalculatorHow many incentive stock options you can exercise and hold before the alternative minimum tax kicks in, and what it costs past that point.
- RSU Tax CalculatorTax on your RSU vest, how many shares sell-to-cover takes, and how much more you will owe in April than the 22% your employer withheld.
- Stock Option Exercise Tax CalculatorCompare the tax on exercising ISOs and NSOs: what is withheld, what AMT you trigger, and exercising and holding versus selling right away.
- 1099 vs W-2 CalculatorTurn a 1099 contract rate into the W-2 salary that takes home the same, after self-employment tax, the QBI deduction and 2026 federal brackets.
- SCHD Dividend CalculatorProject income from the Schwab US Dividend Equity ETF, with reinvestment, monthly contributions and tax.
- VOO Dividend CalculatorProject dividend income and reinvested growth from Vanguard's S&P 500 ETF over any horizon.
- VYM Dividend CalculatorProject income from Vanguard's High Dividend Yield ETF, with reinvestment, contributions and tax.
- DGRO Dividend CalculatorProject income from the iShares Core Dividend Growth ETF, where the growth rate matters more than the starting yield.
- SPYD Dividend CalculatorProject income from the SPDR Portfolio S&P 500 High Dividend ETF, including what happens when the payout goes backwards.
- JEPI Dividend CalculatorProject monthly income from JPMorgan's Equity Premium Income ETF, including the tax treatment that catches people out.
- JEPQ Dividend CalculatorProject monthly income from JPMorgan's Nasdaq Equity Premium Income ETF, with its ordinary-income tax treatment modelled.
- QQQ Dividend CalculatorProject QQQ's small dividend alongside the growth that actually drives the result.
- BRRRR CalculatorBuy, rehab, rent, refinance: see how much cash stays in the deal and whether it still cash-flows.
- Crypto Staking CalculatorTurn an advertised APR into real tokens and dollars, after commission, compounding and price moves.
- DSCR CalculatorDebt service coverage ratio for a rental or commercial property, and the largest loan its income will support.
- Debt Yield CalculatorNOI as a percentage of the loan: the commercial lender's rate-proof test of how much debt a property can carry.
- Balloon Payment CalculatorCommercial loans that amortize over 25 years but mature in 10: see the payment and the balance still owed at maturity.
- 1031 Exchange Deadline CalculatorYour 45-day identification and 180-day closing deadlines, counted from the day the property you sold closed.
- Federal Income Tax CalculatorYour 2026 federal income tax, effective rate and bracket, with the standard deduction, senior deduction and credits.
- Sales Tax CalculatorAdd state and local sales tax to a price, or work back from a receipt total, for any US state.
- VAT CalculatorAdd VAT to a net price or take it out of a gross one, at UK, EU, Gulf or any other rate.
- Mortgage CalculatorYour full monthly house payment, with property tax, insurance, PMI and HOA, plus an amortization schedule.
- 401(k) CalculatorProject your 401(k) balance at retirement with your contributions, the employer match, raises and the 2026 IRS limits.
Calculators for any country
- Freelance Hourly Rate to Salary CalculatorTurn a US-dollar hourly rate into take-home pay, the equivalent salary and local purchasing power in 15 countries, with 2026 tax and social security rules.
- UK Freelance Salary CalculatorSee what a US-dollar contract rate leaves a UK sole trader after 2026/27 income tax and Class 4 National Insurance, and the PAYE salary it matches.
- Canada Freelance Salary CalculatorTurn a US-dollar contract rate into take-home pay for an Ontario sole proprietor after 2026 federal and provincial tax and both halves of CPP.
- Germany Freelance Salary CalculatorSee what a US-dollar rate leaves a German Freiberufler after 2026 income tax, solidarity surcharge and statutory health and care insurance.
- Spain Autónomo Salary CalculatorTurn a US-dollar rate into an autónomo's take-home pay after the 2026 cuota by income tramo and IRPF, with the salary an employee would need.
- Portugal Freelance Salary CalculatorSee what a US-dollar rate leaves a Portuguese trabalhador independente on the simplified regime after 2026 IRS and Segurança Social.
- Netherlands ZZP Salary CalculatorTurn a US-dollar rate into a Dutch zzp'er's take-home pay after the 2026 zelfstandigenaftrek, MKB exemption, box 1 tax, credits and Zvw.
- Poland B2B Salary CalculatorTurn a US-dollar B2B rate into take-home pay on a Polish JDG, on the 12% ryczałt or 19% linear tax, after 2026 ZUS and health contributions.
- Romania PFA Salary CalculatorSee what a US-dollar rate leaves a Romanian PFA after 2026 CAS, CASS and 10% income tax, and the employment salary it matches.
- India Freelance Salary CalculatorTurn a US-dollar rate into take-home pay in rupees under section 44ADA or actual profit, on the FY 2026-27 new regime, and the salary that matches.
- Philippines Freelance Salary CalculatorTurn a US-dollar rate into take-home pay in pesos on the 8% flat rate or graduated rates, after SSS, PhilHealth and Pag-IBIG.
- Brazil PJ Salary CalculatorTurn a US-dollar rate into take-home pay as a PJ on Simples Nacional or a pessoa física on Carnê-Leão, and compare it with a CLT salary.
- Mexico Freelance Salary CalculatorTurn a US-dollar rate into take-home pay in pesos under RESICO or the general regime, with the 2026 ISR tariff and the salary that matches.
- Colombia Freelance Salary CalculatorTurn a US-dollar rate into take-home pay in pesos for a trabajador independiente after 2026 health, pension, ARL and renta.
- Australia Freelance Salary CalculatorTurn a US-dollar rate into a sole trader's take-home pay after 2026-27 tax with the new 15% bracket, LITO and the Medicare levy.
- Micro-SaaS Valuation CalculatorWhat your SaaS would sell for: SDE and EBITDA, an exit multiple adjusted for growth, churn, founder hours and platform risk, and an ARR cross-check.
- MRR Multiple CalculatorHow many times MRR your SaaS would sell for, worked out from the profit and risk buyers actually price rather than a flat rule of thumb.
- SaaS EBITDA Multiple CalculatorTurn owner earnings into EBITDA by paying for the founder's hours, and see the EBITDA and SDE multiples a sale price implies.
- B2B SaaS Valuation CalculatorWhat a bootstrapped B2B SaaS sells for: SDE, EBITDA and an exit multiple adjusted for growth, churn, seat pricing and founder time.
- Shopify App Valuation CalculatorWhat a Shopify app sells for: earnings after the App Store share, with the multiple adjusted for merchant churn and platform risk.
- Chrome Extension Valuation CalculatorWhat a paid Chrome extension sells for: subscription earnings, organic Web Store growth and the platform risk buyers price in.
- WordPress Plugin Valuation CalculatorWhat a premium WordPress plugin sells for: licence revenue as MRR, renewal rate as churn, and support hours as founder time.
- AI SaaS Valuation CalculatorWhat an AI app or GPT wrapper sells for: fast growth against high churn, thin margins after model costs and dependence on one LLM API.
- Developer Tool & API Valuation CalculatorWhat a developer tool or API business sells for: low churn, usage-based revenue and infrastructure costs, priced on 2026 deal data.
- Notion Template Business Valuation CalculatorWhat a Notion or no-code template business sells for: membership revenue, the churn of digital products and the creator's time.
- Productized Service Valuation CalculatorWhat a productised service or design subscription sells for: retainer revenue, contractor margins and how much it still needs its founder.
- SaaS Unit Economics CalculatorChurn, LTV, CAC, payback, NRR and runway from one set of inputs: change churn by a point and watch every metric, the valuation and your cash runway move.
- SaaS Churn Rate CalculatorConvert monthly churn to annual, see average customer lifetime and gross retention, and what each point of churn costs in LTV and runway.
- SaaS LTV CalculatorCustomer lifetime value with gross margin, expansion and a discount rate, next to the simple ARPU ÷ churn formula, so the number survives investor scrutiny.
- CAC CalculatorCustomer acquisition cost from sales and marketing spend and new customers, with the LTV:CAC and payback that tell you whether it is too high.
- CAC Payback Period CalculatorMonths to earn back customer acquisition cost from gross profit, with the slower churn-adjusted payback and benchmarks for your segment.
- LTV:CAC Ratio CalculatorLifetime value against acquisition cost, rated against the 3:1 rule, with the four levers that move it most and what each is worth.
- Net Revenue Retention (NRR) CalculatorNet and gross revenue retention from churn and expansion, and how NRR flows through to LTV, growth and the ARR multiple.
- Startup Runway CalculatorMonths of cash left from MRR, growth, churn and burn, projected month by month, with the break-even point and what each lever adds.
- SMB SaaS Benchmarks CalculatorChurn, NRR, margin and CAC payback benchmarks for SaaS sold to small businesses, with your own numbers scored against them.
- Mid-Market SaaS Benchmarks CalculatorBenchmarks for SaaS sold to mid-sized companies on $5,000 to $50,000 contracts, with your churn, NRR and payback scored against them.
- Enterprise SaaS Benchmarks CalculatorRetention, margin and payback benchmarks for SaaS sold on large annual contracts, and how your figures compare.
- PLG SaaS Benchmarks CalculatorBenchmarks for self-serve, product-led SaaS: high churn and low CAC, and whether your payback and expansion make the model work.
- Vertical SaaS Benchmarks CalculatorBenchmarks for software built for one industry, often with payments attached, and how your retention and margin compare.
- Early-Stage SaaS Benchmarks CalculatorBenchmarks for SaaS below $1M ARR: what seed investors look for in churn, payback and burn, and how long your cash lasts.
Questions about finance calculators
EMI or mortgage calculator: which one do I need?
For a loan in India, use the EMI calculator or the home loan EMI calculator: both use the reducing-balance EMI in rupees, and the home loan one adds prepayments and Indian tax benefits. For a US home, use the mortgage calculator, which adds property tax, insurance, PMI and HOA to the payment.
Which calculators use 2026 tax rules?
The India income tax calculator uses the FY 2026-27 slabs, and the federal income tax calculator uses the IRS's 2026 brackets and standard deductions. The sales tax calculator uses state and local rates as of 1 July 2026. Each page lists its sources and when they were checked.
How do I compare a freelance rate with a salary?
In the US, the 1099 vs W-2 calculator finds the W-2 salary that takes home the same as a contract rate after self-employment tax. For freelancers elsewhere paid in US dollars, the freelance hourly rate to salary calculator does the same for 15 countries, including India, the UK, Germany, Poland and Brazil, and adds purchasing power.
What is my SaaS business worth?
Most micro-SaaS businesses sell for 2.5 to 5 times SDE, their annual profit before the owner's pay. The micro-SaaS valuation calculator starts from that range and adjusts it for growth, churn, founder hours and platform risk, with pages for Shopify apps, Chrome extensions, AI apps and other verticals.
How do I save capital gains tax by buying a house in India?
Reinvest in a residential house. Section 54 exempts the gain on a house up to what you reinvest; Section 54F, for any other asset, exempts the share of the gain matching the share of the sale price reinvested, up to ₹10 crore. Stamp duty on the new house counts. The stamp duty and capital gains planner works out both.
How do I calculate SaaS LTV, CAC and payback?
CAC is sales and marketing spend divided by new customers, and payback is CAC divided by monthly gross profit per customer. LTV is that gross profit over a customer's life, shortened by churn. The SaaS unit economics calculator works out all three, plus NRR and runway, and scores them against 2026 benchmarks.
Are the results financial advice?
No. They are estimates from the formula shown on each page, using the rates you enter. A lender's fees, a fund's actual returns and your full tax position will differ, so confirm anything important with your bank, adviser or tax professional before acting on it.