Finance tools
Loan, tax, and savings calculators built around India's actual rules: GST, TDS, HRA exemption, EMI amortization schedules, SIP and compounding projections, and more. Each one shows the formula and a worked example next to the result, not just a final number.
25 tools
Finance tools guides
Simple Interest vs Compound Interest: The Real Difference
The same rate and the same principal produce very different totals depending on whether interest gets calculated once on the original amount, or repeatedly on a growing balance.
How a Loan Amortization Schedule Actually Works
The same fixed payment on a loan covers a completely different split of interest and principal every single month, and the schedule that shows this explains why paying a loan off early saves more than it looks like it should.
SIP vs Lump Sum: Which Actually Wins?
The math behind investing a lump sum all at once versus spreading it into monthly SIPs, and why the honest answer depends on what the market does next, not on a universal rule.
Flat Rate vs Reducing Balance Interest, Explained
Why a loan advertised at a lower flat rate can cost more than a higher reducing-balance rate, with the math that shows exactly how much more.
How EMI Is Actually Calculated (With a Worked Example)
The formula behind every EMI calculator, a worked example with real numbers, and why your interest payment shrinks every month even though the EMI itself doesn't.
Frequently asked
Are these tools actually free?
Yes. Every tool on this page is free to use, with no usage limits, watermarks, or paywalled features.
Is my file or data uploaded to a server?
No. Every tool listed here processes your file or input directly in your browser tab; nothing is sent to YourFileKit's servers or any third party.
Do I need to create an account?
No sign-up is required to use any tool. An optional account only exists for saving preferences like favorites across visits.
Are these calculators specific to India?
Yes. GST, TDS, HRA, and the income tax slabs here follow Indian rules. For VAT, US/UK/Canada/Australia tax, and other countries' calculators, see the Global Finance category.
Is this financial advice?
No. These are calculators for estimating numbers from formulas and rates shown on the page, not a substitute for a chartered accountant or financial advisor for anything that affects a filing or a contract.