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Money Studio — free money tools that run in your browser

52 free money calculators: EMI, SIP, FD, income tax, GST, take-home pay and business margins, with the formula behind each result shown.

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About Money Studio

Money Studio holds 52 calculators for borrowing, saving, tax and small-business pricing. Work out a monthly instalment and the full repayment schedule with the EMI Calculator, project a monthly investment with the SIP Calculator, or compare India's old and new tax regimes for the 2026-27 tax year with the Income Tax Calculator. Sellers and freelancers can check pricing with the Markup and Margin Calculator and the GST Calculator.

Each calculator explains the method it uses, so you can see why a number comes out the way it does instead of trusting a black box. Government figures such as tax slabs, scheme rates and limits are stored with their official source and the date they were last checked. Many tools let you switch between rupees, dollars, pounds and euros. Calculations run in your browser and nothing you type is stored or sent. The results are estimates to help you plan; for a decision about a loan, investment or tax return, confirm the details with your bank, fund house or a qualified adviser.

Frequently asked questions

Are these calculators only for India?
No. Loan, savings, inflation, NPV and payoff calculators work for any country, and many offer INR, USD, GBP and EUR. Tools for PPF, SSY, NPS, HRA, gratuity, GST and income tax follow Indian rules.
Where do the tax slabs and scheme rates come from?
From official sources such as the Income-tax Act and government scheme notices. Each figure is stored with its source and a verified-on date, and the calculator page lists those sources.
Why does my bank's EMI differ slightly from this one?
Banks may round the instalment, charge interest from the disbursement date or add fees and insurance. The EMI Calculator uses the standard reducing-balance formula without extra charges.
Is my salary or loan data saved?
No. The numbers stay in your browser tab and disappear when you close it. Nothing is sent to ToolsRift or anyone else.
Is this financial advice?
No. The calculators show what the formulas give for the numbers you enter. They do not know your full situation, so check important decisions with a qualified professional.

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