Each calculator shows how it worked out the result, the assumptions it made and its limits. Your figures are sent only to calculate the result; they are not stored and do not appear in the page address.
Credit profile tools
Debt management tools
- Debt-to-income ratio calculatorAdd up your monthly loan EMIs and other debt payments and see what share of your income they take.
- Debt repayment planner (snowball and avalanche)List your debts and an extra monthly amount; compare the smallest-balance-first and highest-rate-first orders.
- Debt consolidation comparison calculatorCompare paying your debts as they are with one new loan that clears them: monthly payment, time and total cost.
- Extra monthly payment calculatorSee how much sooner a loan closes, and how much interest you save, if you pay a fixed amount above the EMI every month.
Personal finance tools
- Monthly budget plannerAdd up income, expenses, debt payments and savings to see what is left each month and your savings rate.
- Emergency fund calculatorWork out an emergency fund target from your essential expenses, how many months you are covered now, and how long the rest may take.
- Savings goal plannerFind the monthly saving needed to reach a goal by a date, with or without an assumed return.
- Savings timeline and goal progress calculatorSee how many months it takes to reach a goal at the amount you save each month, and how far you have come.
Credit and loan education
- Credit card repayment and interest calculatorSee how long a card balance takes to clear and the interest it costs, compared with paying only the minimum amount due.
- Loan affordability and personal loan readiness calculatorSee the EMI of a loan you are considering and what it would do to your monthly debt burden and the money left over.
- Credit card interest and outstanding balance calculatorEstimate the interest on the part of a card bill you do not pay, and the balance it leaves for the next statement.
- Loan tenure comparison and interest calculatorCompare the EMI, total interest and total repayment of the same loan over two or three tenures.