Finance
Work out EMIs, SIP returns, compound interest, take home pay and more. Clear formulas, instant numbers, and no spreadsheet required.
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Related tool categories
Every category on ConvertNow, each one free and updated as new tools launch.
Understanding Finance
What these tools are for, and how to get the most reliable result from them.
Everyday money math, simplified
Loans, investments, tax and salary calculations are the kind of math most people reach for a spreadsheet or a bank website to solve. This page brings the calculators you actually use into one place, ready whenever a number needs checking.
Formulas you can verify yourself
Every calculator on this page uses the same formulas taught in finance courses and used by banks and lenders, so you can check the math by hand if you want full confidence in the result.
A tool for illustration, not advice
These calculators show how common financial formulas behave with the numbers you enter. They are not personalized financial, investment, or tax advice, and rules vary by country and change over time, so confirm current figures with a licensed professional before acting on them.
Frequently asked questions
Straight answers to what people ask most about these tools.
Are these calculators a substitute for financial advice?
No. These tools illustrate how common financial formulas work using the numbers you enter. They are not personalized financial, investment or tax advice. For decisions specific to your situation, speak with a licensed financial advisor or tax professional.
Do the calculators account for my country’s tax rules?
Where a calculator is country specific, like GST or take home pay, it is labeled accordingly. Tax rules change frequently, so always confirm current rates with your local tax authority.
What interest rate should I use for the EMI calculator?
Use the annual interest rate your lender quotes. The calculator converts it to a monthly rate internally as part of the formula.
Why do SIP and compound interest results differ from my bank’s app?
Small differences usually come from compounding frequency, monthly versus annual, or whether fees are included. Check which method your bank uses and match that setting in the calculator.
Is my financial data stored anywhere?
No. The numbers you enter are used only to calculate your result in that moment and are not saved or sent anywhere for storage.
Can I use these tools for a business loan, not just a personal loan?
The loan and EMI formulas work for any fixed rate, fixed term loan, personal or business. For variable rate loans, treat the result as an estimate based on the rate at the time you calculate.
How to use these tools
The same simple flow works across every tool on this page.
Pick the right calculator
Choose the one that matches your question, a loan, an investment, a salary, or a tax figure.
Enter your numbers
Principal, rate, tenure or income, whatever the calculator asks for.
Get an instant result
See the full breakdown where relevant, like a complete EMI schedule.
Compare scenarios
Adjust any input to see how a different rate or term changes the outcome.
Syntax and reference
Formulas, formats and quick references used across this category.
EMI formula
EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]
P = loan principal R = monthly interest rate N = number of monthly instalmentsCompound interest formula
A = P (1 + r/n)^(n x t)
P = principal r = annual rate n = compounds per year t = yearsGST amount formula
GST amount = (Original price x GST rate) / 100Built to be trusted, every time
No dark patterns, no forced accounts, and nothing you type is kept longer than it takes to give you an answer.
Nothing you enter is stored
Inputs are used only to generate your result, in that moment.
Free, with no catch
No sign up, no trial period, no hidden paywall on any tool.
Works on any device
Every tool is built to work on desktop, tablet and mobile.