Free financial calculators (India FY 2026-27 and US 2026)
India new-regime income tax, advance tax, 80C, 80D, 80TTA/80TTB, Section 24(b) home-loan interest, LTA exemption (2026–2029 block), NPS 80CCD(1B), Sukanya Samriddhi, NSC, ESI, FIRE number, listed-equity LTCG/STCG, HRA (metros include Bengaluru), GST 2.0 reverse/add/remove, Maharashtra stamp duty, India rent vs buy, and a rough TDS-on-salary withholding sketch — plus US HSA/FSA 2026, Child and Dependent Care Credit 2026 (not the FSA), Roth vs Traditional IRA, Roth conversion bracket-fill, Medicare IRMAA 2026, 529 vs taxable brokerage, 401(k) match and catch-up vs a card, I bonds vs T-bills, child tax credit 2026, extra-payment mortgage, refinance break-even months, hourly overtime 1.5× (gross only), 28/36 DTI affordability, PMI 78/80, auto extra payment, student-loan extra payment, HELOC payment, home-sale §121 exclusion, rent vs buy, rental 1% rule vs cap rate, MACRS 27.5-year depreciation, refinance vs sell, and break-even occupancy. Every calculator runs in this tab. Nothing is uploaded.
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Rental property
cap rate calculator
Free cap rate calculator for rental property. NOI ÷ price from rent, vacancy, and operating expenses — no mortgage. Runs in your browser. Nothing is uploaded.
rental property cash flow calculator
Free rental property cash flow calculator. Monthly cash flow, cash-on-cash, and DSCR after vacancy, expenses, and P&I. Browser tool — nothing is uploaded.
rent vs buy calculator
Free US rent vs buy calculator. Compare buying (P&I, tax, insurance, maintenance) with renting and investing the down payment. Browser tool — nothing is uploaded.
refinance vs sell rental
Free refinance vs sell rental calculator. Compare a cash-out refinance and hold with selling and investing the proceeds. Browser tool — nothing is uploaded.
rent vs buy calculator india
Free India rent vs buy calculator. Home-loan EMI, stamp-heavy closing, and rent-plus-invest in rupees. Browser tool — nothing is uploaded.
stamp duty calculator maharashtra
Free stamp duty calculator for Maharashtra (6% / 5% + 1% registration) or any state via input rate. Browser tool — nothing is uploaded.
break-even occupancy
Free break-even occupancy calculator for a rental. Occupancy that covers debt + opex (and a cash-flow target). Browser tool — nothing is uploaded.
1% rule
Free 1% rule vs cap rate calculator. Monthly rent ÷ price beside NOI ÷ price after vacancy and opex. Browser tool — nothing is uploaded.
macrs residential rental
Free MACRS 27.5-year residential rental depreciation calculator. Mid-month convention, building basis only. Browser tool — nothing is uploaded.
US mortgage
extra payment mortgage calculator
Free extra payment mortgage calculator. See how extra principal shortens a US fixed-rate loan — interest and months saved in this tab. Nothing is uploaded.
biweekly mortgage payment calculator
Free biweekly mortgage payment calculator. True biweekly: half the monthly P&I, 26 times a year. Browser tool — nothing is uploaded.
fha vs conventional
Free FHA vs conventional loan calculator. Compare 2026 FHA MIP (1.75% upfront + annual) with cancellable PMI. Browser tool — nothing is uploaded.
heloc vs cash-out refinance
Free HELOC vs cash-out refinance calculator. Compare a home-equity line with a cash-out first mortgage — payment, interest, and 80% LTV. Browser tool — nothing is uploaded.
heloc payment calculator
Free HELOC payment calculator. Interest-only or amortizing draw, first-year interest, and 85% CLTV flag. Browser tool — nothing is uploaded.
pmi removal
Free mortgage PMI removal calculator. HPA 80% request and 78% automatic on original value, plus extra principal. Browser tool — nothing is uploaded.
mortgage affordability
Free US mortgage affordability calculator. Classic 28/36 DTI — max home, max loan, and which ratio binds. Browser tool — nothing is uploaded.
mortgage refinance break-even
Free US mortgage refinance break-even calculator. Closing costs ÷ monthly P&I savings, optional financed fees. Not extra principal. Browser tool — nothing is uploaded.
Debt payoff
Auto loans
auto loan refinance calculator
Free US auto loan refinance calculator. Compare leftover balance, new APR, and fees. Monthly savings and break-even in your browser — nothing is uploaded.
auto loan extra payment
Free auto loan extra payment calculator. Extra principal on the current note — months and interest saved. Browser tool — nothing is uploaded.
US tax and retirement
self-employment tax calculator
Free self-employment tax calculator for 2026 Schedule SE: 92.35% base, $184,500 wage base, plus 0.9% Additional Medicare. Browser tool — nothing is uploaded.
401k employer match calculator
Free 401k employer match calculator for 2026: $24,500 deferral, $8,000 catch-up, $11,250 super catch-up ages 60–63. Browser tool — nothing is uploaded.
backdoor roth ira calculator
Free backdoor Roth IRA calculator. 2026 limit $7,500 ($8,600 age 50+); pro-rata taxable share of a conversion. Browser tool — nothing is uploaded.
roth ira vs traditional ira calculator
Free Roth IRA vs Traditional IRA calculator. Compare 2026 contributions, tax rates now vs retirement, growth, and after-tax take-home. Browser tool — nothing is uploaded.
child tax credit calculator
Free child tax credit calculator for 2026: $2,200 per child, $1,700 ACTC, phase-out $200k / $400k. Browser tool — nothing is uploaded.
standard vs itemized
Free standard vs itemized deduction calculator for 2026: $16,100 / $32,200 / $24,150 plus SALT cap $40,400. Browser tool — nothing is uploaded.
long term capital gains
Free US long-term capital gains calculator for 2026. Holding period (365-day line), 0% / 15% / 20% brackets, optional 3.8% NIIT. Browser tool — nothing is uploaded.
home sale capital gains exclusion
Free home sale capital gains exclusion calculator. $250k / $500k Section 121, 2-of-5 tests, unforeseen proration. Browser tool — nothing is uploaded.
529 vs taxable
Free 529 vs taxable brokerage calculator. Rough future value with tax drag, state deduction, and a non-qualified 10% fork. Browser tool — nothing is uploaded.
hsa contribution calculator
Free HSA contribution calculator 2026. $4,400 self / $8,750 family, $1,000 catch-up, months or last-month rule. Browser tool — nothing is uploaded.
i bond vs t-bill
Free I bond vs T-bill calculator. After-tax yields, $10,000 electronic cap, 12-month lock, 3-month penalty. Browser tool — nothing is uploaded.
credit card vs 401k
Free credit card vs 401k catch-up calculator. Extra take-home to a card or 2026 catch-up ($8,000 / $11,250). Browser tool — nothing is uploaded.
roth conversion
Free Roth conversion bracket-fill calculator. 2026 ordinary brackets (Rev. Proc. 2025-32) — room left and tax if you spill. Browser tool — nothing is uploaded.
medicare irmaa
Free Medicare IRMAA calculator 2026. CMS Part B $202.90 plus MAGI tiers (2024 lookback) and Part D IRMAA. Browser tool — nothing is uploaded.
fsa contribution
Free FSA contribution calculator 2026. Health FSA $3,400 / $680 carryover (Rev. Proc. 2025-32); dependent-care $7,500. Browser tool — nothing is uploaded.
child and dependent care credit
Free 2026 Child and Dependent Care Credit calculator. $3,000 / $6,000 expense caps, OBBBA 50%–20% rate — not the FSA. Browser tool — nothing is uploaded.
overtime paycheck
Free US overtime paycheck calculator. Hourly rate × regular hours plus 1.5× OT — gross only, not a state paycheck. Browser tool — nothing is uploaded.
US insurance
Auto Insurance Premium Estimator (US)
Free US auto insurance premium estimator from value, age, state factor, and coverage. Not a carrier quote. Browser tool — nothing is uploaded.
homeowners insurance premium estimator
Free US homeowners insurance premium estimator. Sketch an HO-3 from dwelling replacement, deductible, and coastal exposure. Browser tool — nothing is uploaded.
Life Insurance Needs Calculator (US)
Free US life insurance needs calculator. DIME sketch: debt, income years, mortgage, education, minus assets. Browser tool — nothing is uploaded.
Student loans
student loan refinance calculator
Free US student loan refinance calculator. Compare a federal or private rate to an offer and flag IDR/PSLF you give up. Browser tool — nothing is uploaded.
Student Loan IDR Calculator 2026
Free student loan IDR calculator for 2026. RAP vs new/old IBR using HHS poverty guidelines. SAVE is gone. Browser tool — nothing is uploaded.
student loan extra payment
Free student loan extra payment calculator. Extra principal on the current note — months and interest saved. Not IDR or a refinance. Browser tool — nothing is uploaded.
India income tax
income tax calculator
Free income tax calculator for FY 2026-27 (new regime). Budget 2026 slabs, ₹75,000 standard deduction, 87A rebate to ₹12 lakh. Browser tool — nothing is uploaded.
old vs new tax regime calculator
Free old vs new tax regime calculator for FY 2026-27. Compare 80C, HRA, 80D, NPS, and 24(b) in your browser. Nothing is uploaded.
advance tax calculator
Free advance tax calculator for India. FY 2026-27 new-regime tax split into 15 June / 15 September / 15 December / 15 March. Browser tool — nothing is uploaded.
80c tax saving calculator
Free 80C tax saving calculator. Room left under the ₹1.5 lakh old-regime cap (EPF, PPF, ELSS). Browser tool — nothing is uploaded.
ltcg stcg calculator india
Free India LTCG/STCG calculator for listed equity: 12.5% after ₹1.25 lakh (held > 12 months) or 20% short-term. Browser tool — nothing is uploaded.
80d deduction calculator
Free 80D health insurance deduction calculator. ₹25k / ₹50k self and parent buckets, ₹5,000 preventive inside the cap. Browser tool — nothing is uploaded.
80tta
Free 80TTA / 80TTB interest calculator. ₹10,000 savings (under 60) or ₹50,000 senior deposits — old regime only. Browser tool — nothing is uploaded.
home loan interest 24
Free Section 24(b) home-loan interest calculator. ₹2 lakh self-occupied cap (or ₹30,000), let-out uncapped, old regime. Browser tool — nothing is uploaded.
GST (India)
reverse gst calculator
Free reverse GST calculator. Back out base price and GST 2.0 (5%, 18%, 40%, 3% gold) from an inclusive amount. Browser tool — nothing is uploaded.
Add GST Calculator (India GST 2.0)
Free add GST calculator. Add GST 2.0 to a taxable value — intra-state CGST/SGST or inter-state IGST. Browser tool — nothing is uploaded.
Remove GST Calculator (India GST 2.0)
Free remove GST calculator. Strip GST from an inclusive price with the reverse formula. Browser tool — nothing is uploaded.
Salary and HRA
hra calculator
Free HRA calculator for FY 2026-27. Section 10(13A): least of actual HRA, rent − 10% of salary, and 50%/40%. Browser tool — nothing is uploaded.
HRA Exemption Calculator for Metro Cities
Free HRA exemption calculator for metro cities at 50% of basic + DA. Eight metros including Bengaluru. Browser tool — nothing is uploaded.
HRA Calculator Bangalore FY 2026-27
Free HRA calculator for Bangalore. Bengaluru is a Rule 279 metro for FY 2026-27 — 50% of salary, not 40%. Browser tool — nothing is uploaded.
ctc to take-home calculator
Free CTC to take-home calculator. Split CTC into basic, HRA, PF, and new-regime tax for FY 2026-27. Browser tool — nothing is uploaded.
Gratuity Calculator 15/26
Free gratuity calculator (15/26). Payment of Gratuity Act: 15/26 × last drawn × years, capped at ₹20 lakh. Browser tool — nothing is uploaded.
epf calculator monthly
Free EPF calculator for monthly contributions. Employee 12%, employer 12% split with EPS on the ₹15,000 wage cap. Browser tool — nothing is uploaded.
esi calculator india
Free ESI calculator India. Employee 0.75%, employer 3.25%, ₹21,000 monthly wage ceiling. Browser tool — nothing is uploaded.
lta exemption
Free India LTA exemption calculator. Least of LTA received, actual fare, and eligible fare — 2026–2029 block, old regime. Browser tool — nothing is uploaded.
TDS (India)
TDS Calculator 194IA for Property
Free TDS calculator 194IA for property. 1% on the higher of consideration and stamp duty at ₹50 lakh or more. Browser tool — nothing is uploaded.
TDS on Rent Calculator 194IB
Free TDS on rent calculator 194IB. 2% when monthly rent exceeds ₹50,000 (individuals / HUF not liable for tax audit). Browser tool — nothing is uploaded.
tds on salary
Free India TDS on salary calculator. Rough monthly withholding from FY 2026-27 new-regime tax — not 194IA/194IB or Form 16. Browser tool — nothing is uploaded.
Investing
xirr calculator
Free XIRR calculator. Compute XIRR from dated cash flows in your browser — same job as Excel, no spreadsheet upload. Nothing is uploaded.
Retirement Corpus Calculator
Free retirement corpus calculator. Inflation-adjusted corpus and the monthly SIP needed to close the gap. Browser tool — nothing is uploaded.
Step-up SIP Calculator
Free step-up SIP calculator. Growing monthly SIP with an annual step-up percent — not a generic SIP tool. Browser tool — nothing is uploaded.
Savings
PPF Calculator Monthly Deposit
Free PPF calculator for monthly deposits. Yearly deposit (monthly equivalent shown), ₹1.5 lakh cap, annual compounding. Browser tool — nothing is uploaded.
nps 80ccd
Free NPS 80CCD(1B) calculator. Extra ₹50,000, 80CCD(1) inside 80CCE, employer 80CCD(2) at 14% — old vs new regime. Browser tool — nothing is uploaded.
fire number calculator india
Free FIRE number calculator for India. 25× at 4% SWR, or any withdrawal rate, with inflation to the FIRE year. Browser tool — nothing is uploaded.
sukanya samriddhi
Free Sukanya Samriddhi calculator. ₹1.5 lakh cap, 15-year deposits, 21-year compound, rate as an input. Browser tool — nothing is uploaded.
nsc calculator
Free NSC calculator. 5-year National Savings Certificate, annual compound, notified rate as an input. Browser tool — nothing is uploaded.
Frequently asked questions
- Which India tax year is this?
- FY 2026-27 new regime. A ₹15 lakh salary lands at ₹97,500 tax after the ₹75,000 standard deduction. Section 87A rebates up to ₹60,000 if taxable income is ≤ ₹12 lakh.
- How does reverse GST work?
- GST 2.0: base = inclusive ÷ (1 + rate/100). Typical rates are 5%, 18%, and 40%.
- Is Bengaluru an HRA metro?
- Yes. Rule 279 metros include Bengaluru, so the 50% of salary cap applies — not 40%.
- Are US figures tax advice?
- No. 401(k), Roth, mortgage, and insurance pages are sketches for tax year 2026. Confirm with a plan document or a professional.