Financial Calculators
Tools to help you make informed financial decisions
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio to assess your loan repayment capacity.
Monthly Debts
Monthly Income
Your Debt-to-Income Ratio:
Guidelines:
- Under 36%: Healthy debt load
- 36% to 42%: Opportunity to improve
- 43% to 50%: Financial stress likely
- Over 50%: Financial action needed
Credit Card Payoff Calculator
Calculate how long it will take to pay off your credit card debt.
Credit Card Payoff Results:
Note: This calculator assumes you don't add new charges to your card.
Gratuity Calculator (India)
Calculate gratuity benefits for retirement in India using the formula: Gratuity = (15/26) × Last Drawn Salary × Years of Service.
Note: Years beyond 6 months are rounded to the next year, below 6 months are not counted.
Gratuity Calculation Results:
Formula Used:
Gratuity = (15/26) × Last Drawn Salary × Years of Service
Gratuity Rules in India:
- Minimum 5 years of continuous service required
- Tax-free up to ₹20 lakhs
- Payable on retirement, resignation, or termination
HRA Exemption Calculator (India)
Calculate House Rent Allowance (HRA) tax exemption for salaried employees in India.
HRA Exemption Calculation Results:
Calculation Method:
The least of the following three:
- Actual HRA received: ₹0
- Rent paid exceeding 10% of salary: ₹0
- 50% of salary: ₹0
Note:
- "Salary" means Basic Salary + Dearness Allowance
- 50% for metro cities, 40% for non-metro cities
- No exemption if you live in your own house or don't pay rent
Income Tax Calculator (India)
Calculate your income tax liability based on old or new tax regime.