Free Financial Calculator API Directory (2026)

Calculate future value, total invested amount, and total returns for daily, weekly, monthly, quarterly, or yearly mutual fund SIPs.

Reverse-solve required monthly SIP contribution to achieve a target financial goal corpus.

Calculate returns for top-up SIPs where contributions increase by a fixed % or amount annually.

Calculate monthly retirement cashflows, capital depletion, and corpus longevity for mutual fund SWPs.

Compute Compound Annual Growth Rate (CAGR) for stocks, mutual funds, and real estate investments.

Generic compound growth engine. Calculates final value, total interest, and growth multiplier (Nx).

Calculate flat-rate simple interest (P × r × t / 100) and year-by-year principal interest schedules.

Calculate Recurring Deposit (RD) monthly savings maturity amount and quarterly compounding interest.

Calculate future maturity value of a one-time lumpsum mutual fund or stock investment.

Calculate future purchasing power erosion and future cost of living inflation targets.

Compare post-tax returns, 2.5% sovereign interest, and tax exemptions across SGB, Gold ETFs, and Digital Gold.

Compare post-tax net yield across Bank FDs, Debt Funds, and Arbitrage Mutual Funds, taxed on top of your other income.

Compare a monthly equity SIP with the same amount saved in a deposit, both after tax on top of your other income.

Compare a yearly equity SIP with the same amount in PPF at 7.1%, tax-free, after LTCG on the SIP.

Compare a monthly NPS contribution with the same amount in an equity mutual fund to retirement, including the ₹50,000 80CCD(1B) deduction and the annuity at exit.

Compute income tax liability under Old and New Tax Regimes (FY 2026-27 / AY 2027-28) with standard deduction and Sec 87A rebate.

Basic, DA and HRA at any fitment factor you choose, against 7th CPC pay today. The 8th CPC factor has not been decided.

Convert annual CTC into monthly take-home salary, employer EPF, gratuity, and employee deductions bridge.

Calculate monthly payroll TDS deductions and net in-hand bank deposit under Old vs New Tax Regime.

Allocate investments across PPF, ELSS, EPF, Insurance & NPS to calculate tax savings up to ₹2,00,000.

Calculate medical insurance tax deductions up to ₹1,00,000 for self, family, and senior citizen parents.

Presumptive tax optimizer for Indian freelancers, consultants, and tech contractors under Section 44ADA.

Compare Salaried CTC vs Freelance / Contractor income tax, EPF lock-ins, in-hand monthly take-home, and Section 44ADA savings.

Calculate net monthly in-hand take-home salary and equivalent corporate CTC for freelancers.

Calculate dual-stage Indian income tax on ESOP exercise perquisites and capital gains upon sale.

Indian tax on US RSUs, ESPP and directly bought US shares: the perquisite at vest and capital gains at sale, with US tax withheld as a foreign tax credit.

Calculate combined tax on Salary Income and Capital Gains (STCG 20% & LTCG 12.5%) under ITR-3 rules.

Calculate 12.5% LTCG tax on equity shares and mutual funds with ₹1.25 Lakh annual exemption.

Calculate 20% STCG tax on equity shares and mutual funds held for 12 months or less.

Calculate real estate capital gains tax: compare 12.5% without indexation vs 20% with CII indexation and Section 54/54EC exemptions.

Tax due at filing after working for up to four employers in one tax year, with joining bonus, severance and Form 122 (earlier 12B).

Calculate the exact break-even deductions required in the Old Regime to match New Tax Regime tax liability.

Income tax under the Old or the New Regime for the same income. Call it with regime=old and regime=new to see which is lower.

HRA exemption under Section 10(13A). Returns the three statutory bounds and exempt/taxable split.

Gratuity under the Code on Social Security, 2020 (which replaced the Payment of Gratuity Act, 1972): the 15/26 formula, the 50% wages rule, eligibility and the tax-free part under section 19 of the Income-tax Act, 2025.

Compute loan monthly EMI, total interest, total payment, and yearly amortization schedule.

Calculate net interest saved, lower EMI, and processing fee payback period when switching lenders.

Compare Option A (Reduce Monthly EMI) vs Option B (Reduce Tenure) side-by-side on lump-sum part payments.

Compare prepaying your home loan early vs investing surplus funds in a mutual fund equity SIP.

Calculate interest savings and either the tenure cut or the lower EMI for one-time, monthly, quarterly, or annual prepayment.

Calculate parallel mutual fund SIP investment strategy to completely offset home loan interest.

Compare buying a house with home loan EMI vs renting and investing down payment in Equity SIPs.

Calculate maximum home loan qualification based on FOIR, net monthly income, and existing EMIs.

Calculate ex-showroom price, state RTO road tax, motor insurance, TCS, and monthly car loan EMI.

Calculate Human Life Value (HLV) to determine exact term life insurance cover required.

Calculate 21-year SSY maturity corpus, 8.2% tax-free interest, and age 18 higher education withdrawal.

Compare the Unified Pension Scheme assured payout and lump sum with an NPS corpus and annuity for a central government employee.

Calculate age-based monthly contribution and guaranteed monthly pension (₹1k-₹5k) at age 60 under PFRDA rules.

Calculate Post Office NSC VIII Issue 5-year compounding maturity amount and Section 80C tax benefits.

Calculate 15-year PPF maturity corpus, tax-free EEE returns at 7.1% interest rate, and Section 80C benefits.

Estimate NPS retirement corpus and Section 80CCD tax savings; at exit at least 20% of the corpus buys an annuity (40% for government employees).

Project EPF retirement accumulation with 8.25% EPFO rate, 12% employee contribution, and 3.67% employer EPF contribution.

Calculate 2x money doubling tenure (115 months) and maturity amount for Post Office KVP at 7.5% interest rate.

Calculate the monthly interest payout, 5-year income and maturity for a Post Office MIS deposit at 7.4% a year.

Calculate the quarterly interest payout, 5-year interest and Section 80C deduction (old regime only) for an SCSS deposit of up to ₹30 Lakhs at 8.2%.

Calculate inflation-adjusted retirement corpus, reverse monthly SIP, and safe withdrawal rate.

Calculate Output GST liability, Input Tax Credit on purchases, and net cash GST payable.

Get the Export Declaration Form due date, the payment realisation deadline and the ₹10 lakh declaration-closure test for one export-of-services invoice.

Taxable value, CGST + SGST or IGST, total and amount in words for an invoice, by where the client is.

Calculate gross monthly burn, net burn rate, and cash runway in months for startups and founders.

Calculate Gross & Net Rental Yield and Section 24(a) 30% statutory deduction for real estate in India.

Calculate total liquid, investment, and physical assets minus liabilities to measure net worth.

Calculate break-even sales volume, contribution margin, and margin of safety for business products.

Calculate Debt Service Coverage Ratio (DSCR) to evaluate commercial loan repayment capacity.

Calculate gross margin, operating margin, and net profit margin percentages.

Assess business liquidity, current ratio, quick ratio, and net working capital requirements.

Calculate daily mutual fund SIP returns and compounding value.

Calculate weekly mutual fund SIP returns and compounding value.

Calculate quarterly mutual fund SIP returns and compounding value.

Calculate annual yearly mutual fund SIP returns and compounding value.

Calculate auto loan monthly EMI, interest, and payment schedules.

Calculate personal loan monthly EMI, total interest, and repayment schedule.

Calculate education loan EMI and interest tax deduction under Section 80E.

Compute income tax liability under Budget FY 2026-27 / AY 2027-28 New Tax Regime with ₹75,000 standard deduction.

Compute income tax under Old Tax Regime with HRA, Section 80C, 80D, and Home Loan interest deductions.

Calculate net monthly take-home salary from annual CTC with PF and tax deductions.

Calculate GST amount (5%, 18%, 40%) and gross/net price for inclusive and exclusive goods.