Finance Tools
Free finance tools — EMI calculator, currency converter, investment calculators, and financial utilities. Accurate calculations in your browser.
About Finance Tools
33 financial tools — EMI with reducing-balance math, SIP projections with worked examples, margin vs markup solver, GST invoices, salary take-home, and CAGR. Every calculation runs in your browser; no financial data is transmitted.
Mortgage Calculator
Calculate monthly mortgage payments with amortization schedule. Enter loan amount, interest rate, and term to see total interest paid. Figures never leave your device — every calculation runs locally in your browser.
Car Lease Calculator
Estimate monthly car lease payments from price, residual, and money factor. Know a $30k car's true monthly cost — free, local, no signup.
EMI Calculator
Splits a loan principal into equal monthly installments using the standard reducing-balance formula with configurable annual interest and tenure. Figures never leave your device — every calculation runs locally in your browser.
Car Loan Calculator
Calculate monthly car loan payments, total interest, and total cost. Enter loan amount, rate, and term for a complete auto financing picture. Figures never leave your device — every calculation runs locally in your browser.
Compound Interest Calculator
Calculate compound interest on a single principal. See how your money grows over time with different compounding frequencies. Figures never leave your device — every calculation runs locally in your browser.
SIP Calculator
Projects the future value of recurring mutual-fund investments using compounded monthly returns based on historical or assumed growth rates. Figures never leave your device — every calculation runs locally in your browser.
Savings Calculator
Calculate the future value of monthly savings with compound interest. Plan your savings goals and see your money grow over time. Figures never leave your device — every calculation runs locally in your browser.
Profit Margin Calculator
Compute gross margin from revenue and costs — know exact profitability. A $30 sale at $20 cost margins 33% — free, local, no signup.
Break-Even Calculator
Determines the exact unit volume or revenue required to cover fixed and variable costs, with presets for common business types. Essential for startup pricing strategy, product launch planning, and manufacturing cost analysis where knowing your break-even point is critical before committing to production.
CAGR Calculator
Calculate the Compound Annual Growth Rate (CAGR) for investments. Shows year-by-year growth breakdown. Figures never leave your device — every calculation runs locally in your browser.
Margin Calculator
Prices from cost and a target margin percentage — the tool solves for selling price, profit, and markup. Perfect for retail pricing, wholesale negotiations, and e-commerce listings where you work backwards from a target margin.
ROI Calculator
Measures return on investment by comparing net gain or loss against the original cost, expressed as both a percentage and a dollar amount. Essential for marketing campaign evaluation, equipment purchase decisions, real estate investment analysis, and comparing investment opportunities.
Simple Interest Calculator
Calculate simple interest using principal, rate, and time. Find total interest earned and final amount for basic interest calculations. Figures never leave your device — every calculation runs locally in your browser.
Retirement Calculator
Project your retirement savings based on current age, savings, monthly contributions, and expected returns. Plan for a comfortable retirement. Figures never leave your device — every calculation runs locally in your browser.
Rent vs Buy Calculator
Compare buy net cost against rent total over a timeframe you set, from home price, down payment, mortgage rate, and monthly rent. Figures never leave your device — every calculation runs locally in your browser.
Profit & Loss Calculator
Compute profit and loss from revenue, costs, and expenses with margin percentages. Close the month knowing exact numbers — free, local, no signup.
VAT Calculator
Computes VAT-inclusive and VAT-exclusive amounts from a single rate you enter, with presets for common UK, EU, India, UAE, and Swiss rates. Figures never leave your device — every calculation runs locally in your browser.
Net Worth Calculator
Compute net worth from total assets minus total liabilities. Track the number that actually matters yearly — free, local, no signup.
Debt Payoff Calculator
Plan a single-debt payoff from balance, rate, and monthly payment. See months to debt-free with a payoff timeline — free, local, no signup.
Tip Calculator
Calculate the tip amount and total bill per person. Customize tip percentage and split among any number of people. Figures never leave your device — every calculation runs locally in your browser.
Salary Calculator
Calculate net salary after taxes — enter gross salary, deductions, and tax brackets to see your take-home pay with a full breakdown.
Hourly to Salary Calculator
Convert hourly wage to annual salary. Enter hourly rate and hours per week to see your projected yearly income. Figures never leave your device — every calculation runs locally in your browser.
Tax Calculator
Estimate US federal income tax across progressive brackets with filing-status comparison, plus state tax and FICA. See what you keep before filing season — free, local, no signup.
TDS Calculator India
Estimate annual income tax in India by slab from income, age, and old/new regime. See yearly tax, effective rate, and in-hand pay — free, local, verify rules yearly.
Sales Tax Calculator
Add sales tax to prices instantly by rate — checkout totals, quotes, and receipts. Price a $49 item at 8% correctly — free, local, no signup.
Currency Converter
Converts between 160+ currencies when online — live rates refresh hourly from the server, with 12 quick-pick majors pinned on top. Offline, the same 12 convert from labeled fallback rates.
Invoice Generator
Produces printable invoices with editable line items, a single tax rate, notes, and sender/client blocks. Print to PDF or download a plain-text copy. Figures never leave your device — every calculation runs locally in your browser.
Bulk Invoice & Receipt Parser
Drop invoice or receipt PDFs and images; get vendor, date, invoice number, total, and a confidence flag per file as CSV rows. Bookkeepers close month-end without retyping — local Tesseract OCR, batches of 5 as guest, 25 signed-in, 500 on Pro.
Receipt Generator
Creates printer-friendly receipt pages with itemized purchases, payment method, date, and merchant details in a compact single-page layout. Figures never leave your device — every calculation runs locally in your browser.
IBAN Validator
Validate IBAN structure, length, and mod-97 check digits for 80+ countries. Catch transfer typos before money moves — local ibantools work, free, no signup.
Discount Calculator
Calculate savings and final price after a percentage discount. Perfect for shopping, sales, and budget planning. Figures never leave your device — every calculation runs locally in your browser.
Inflation Calculator
Project future prices at any inflation rate — $1,000 today at 3% for 10 years costs $1,344. Plan savings targets honestly — free, runs locally.
Markup Calculator
Price products from cost with markup percent — margin, selling price, and profit united. Cost $20 at 50% markup sells $30 — free, local, no signup.
More from Toolzum
✓ EMI, tax and ledger math computed locally — figures never uploaded.
Local tools work offline after first load; AI and live lookups need a connection.
Finance FAQs
How is EMI calculated?
On a reducing balance: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where r is the monthly rate. Early payments are mostly interest — the amortization table shows the principal/interest split per month.
How does compounding frequency change returns?
More frequent compounding earns slightly more: 8% compounded quarterly beats 8% annual by about 0.2 percentage points a year. The calculators let you compare monthly, quarterly, and annual side by side.
How do I make a GST-compliant invoice?
Add line items with HSN codes and GST slabs (5/12/18/28%), plus CGST+SGST for intra-state or IGST for inter-state sales. The GST invoice generator outputs a formatted, printable invoice with totals.
SIP vs lump sum — which grows more?
It depends on market timing, which no one controls. SIP smooths entry price through volatility; lump sum wins in steady uptrends. Model both with the same expected return to compare fairly.