Finance & Business Calculators

1. Choose the calculation and enter values with the displayed units.
2. Check the assumptions, dates and formula options.
3. Calculate and review the result before using it.

Limits and requirements

Estimates are not professional financial, medical, legal or engineering advice.

Check each operation’s notes. Some workflows run on your device; others use the OneTabTool server or a named third-party service. Don’t assume every tool processes files in the same way.

Available operations

• Loan payment & amortization schedule

  Fixed monthly rate, cents rounded per period, no fees or variable rates. Final payment adjusts the remaining balance.

• Compound interest
• Simple interest
• Savings goal monthly contribution
• Recurring investment / SIP

  Assumes a constant return and end-of-month contributions; actual returns vary.

• Tax / VAT add & remove
• Salary ↔ hourly
• India salary tax & take-home — FY 2026–27

  Resident salary, normal slab-rate income. After-tax salary shown before EPF/ESI/professional tax; use India payroll estimate for those deductions. Enter only deductions permitted in the selected regime.

• Inflation purchasing power
• Markup, margin & profit
• Break-even quantity
• Investment / crypto profit & loss
• Rental yield
• Freelance hourly rate
• Retirement savings projection

  Constant nominal return; excludes taxes and inflation.

• Debt payoff months
• Advertising costs
• Project cost estimate
• Net worth
• Dividend income / yield
• Emergency fund target
• Financial independence target

  Scenario calculation, not a guarantee of sustainable retirement income.

• Rent vs buy wealth projection

  Scenario model using your assumptions. Compares mortgage equity and invested savings; returns and property values are not predictions.

• Property tax estimate

  Uses your entered assessment and rate, not municipal rules.

• Simple late-payment interest

  Confirm applicable contract terms and legal limits before applying interest.

• Agency / service pricing
• Debt snowball payoff plan

  Fixed interest and payments; ignores fees, changing rates and lender-specific interest rules.

• Debt avalanche payoff plan

  Fixed interest and payments; ignores fees, changing rates and lender-specific interest rules.

• Currency converter & comparison

  Frankfurter daily reference rates, not live trading or your bank’s settlement rate. Currency codes go to the provider; the amount is calculated locally.

• Exchange rate history

  Daily historical reference data from Frankfurter. Non-business dates may have no new observation.

• India income tax — FY 2026–27

  Resident individuals, normal slab-rate income only. Includes rebate, marginal relief, surcharge and 4% cess. Excludes capital gains, lottery, agricultural integration and other special-rate income. Rules checked 19 October 2026: India Budget 2026 memorandum, Income Tax Department tax rates and deductions; EPF ceiling update PIB 16 September 2026; ESIC contribution publications.

• India salary & payroll estimate — FY 2026–27

  Estimate for a constant monthly salary and covered employee. Enter statutory contribution wages, not CTC. ESI coverage and professional tax depend on your situation/state. Include qualifying EPF in your entered old-regime deductions within its applicable cap. Excludes employer EPS split, EDLI, arrears and filing compliance. Rules checked 19 October 2026: India Budget 2026 memorandum, Income Tax Department tax rates and deductions; EPF ceiling update PIB 16 September 2026; ESIC contribution publications.

Questions about Finance & Business Calculators