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Calculators Cafe

About Calculators Cafe

Every calculator you need, freshly brewed — that's the whole idea.

Calculators Cafe (calculators.cafe) is a small, independent project built around a simple belief: everyday calculations — loans, investments, tax, and money maths — should be quick, free and easy to understand. No accounts, no email walls, no app downloads. You open a page, type your numbers and get an answer.

Why we exist

Financial tools like EMI, SIP and GST calculators are some of the most searched terms online, yet many sites bury them behind clutter, pop-ups and confusing jargon. We wanted a cleaner alternative — one that behaves more like a friendly neighbourhood cafe than a busy portal. Everything is built to be fast, mobile-friendly and genuinely useful, with the formulas and reasoning shown openly on every page.

What we offer

Right now the cafe serves 10 free calculators across loans, investments and tax:

  • Loan EMI Calculator — Compute monthly EMI, total interest and total payment for home, car or personal loans with this free reducing-balance EMI calculator.
  • Simple Interest Calculator — Work out simple interest and total amount for any principal, rate and time period, including months and days.
  • Compound Interest Calculator — See how your money grows with compound interest over time — daily, monthly, quarterly or yearly compounding.
  • SIP Calculator (Mutual Funds) — Estimate the future value of your monthly mutual fund SIP investments and see how much you could accumulate over time.
  • FD Calculator (Fixed Deposit) — Calculate the maturity amount and interest earned on a fixed deposit with quarterly, half-yearly or yearly compounding.
  • PPF Calculator — Project the maturity value of your Public Provident Fund deposits with yearly compounding at the current PPF rate.
  • RD Calculator — Calculate the maturity amount of a bank Recurring Deposit with monthly instalments and quarterly compounding.
  • NPS Calculator — Estimate your National Pension System corpus and expected monthly pension from regular contributions.
  • EPF Calculator — Estimate your Employees Provident Fund balance at retirement from monthly contributions and current EPF interest.
  • Gratuity Calculator — Calculate the gratuity payable to you based on your last drawn salary and years of service.
  • Sukanya Samriddhi Calculator — Estimate the maturity value of a Sukanya Samriddhi Yojana account with 15 years of deposits and maturity at 21 years.
  • CAGR Calculator — Find the compound annual growth rate of an investment from its starting and ending value over any number of years.
  • Lumpsum Calculator — See how a one-time investment grows over time at a fixed annual return.
  • Step-up SIP Calculator — Project the value of a SIP where you increase your monthly investment every year as your income grows.
  • SWP Calculator — Plan a Systematic Withdrawal Plan and see how long your corpus lasts with regular monthly withdrawals.
  • Inflation Calculator — See how inflation reduces the buying power of your money and what a future expense will cost.
  • Retirement Calculator — Find out how big a retirement corpus you need to maintain your lifestyle after you stop working.
  • ROI Calculator — Calculate the return on investment, net profit and annualised return for any investment or business expense.
  • Target SIP Calculator — Work backwards from a financial goal to find the monthly SIP you need to reach it.
  • XIRR Calculator — Work out the annualised return on investments with irregular dates — SIPs, lumpsums, top-ups and redemptions — from your actual cashflows.
  • Percentage Calculator — Find a percentage of any number, and see the value after increasing or decreasing it by that percentage.
  • Percentage Change Calculator — Calculate the percentage increase or decrease between two values, with the absolute difference.
  • Discount Calculator — Work out the final price after a discount and exactly how much money you save.
  • Age Calculator — Find your exact age in years, months and days, plus your total days lived and next birthday.
  • Date Difference Calculator — Calculate the number of days, weeks, months and years between any two dates.
  • Average Calculator — Find the mean of any list of numbers, along with the total and count, in one click.
  • CGPA to Percentage Calculator — Convert a 10-point CGPA to a percentage and a 4-point GPA using the standard conversion factor.
  • Tip Calculator — Calculate the tip, total bill and per-person share when splitting a restaurant bill.
  • BMI Calculator — Calculate your Body Mass Index and see which weight category it falls into.
  • BMR Calculator — Find your Basal Metabolic Rate — the calories your body burns at complete rest.
  • Calorie Calculator (TDEE) — Estimate the calories you burn daily and the intake needed to lose, maintain or gain weight.
  • Body Fat Calculator — Estimate your body fat percentage from simple tape measurements using the US Navy method.
  • Ideal Weight Calculator — Estimate your ideal body weight using four widely used medical formulas.
  • Water Intake Calculator — Find how much water you should drink each day based on your weight and activity.
  • Pregnancy Due Date Calculator — Estimate your baby's due date and current gestational age from your last menstrual period.
  • Protein Intake Calculator — Calculate how many grams of protein you need each day based on your weight and activity level.
  • GST Calculator — Add or remove GST (5%, 12%, 18%, 28%) from any amount and get the CGST + SGST or IGST split instantly.
  • Income Tax Calculator — Compare income tax under the new and old regimes side by side and see which one saves you more for FY 2025-26.
  • TDS Calculator — Calculate TDS on interest, dividends, contractor payments, rent, commission and professional fees with section-wise rates.
  • Salary Calculator (Take-Home) — Convert your annual CTC into monthly take-home pay after PF, professional tax and income tax deductions.
  • HRA Exemption Calculator — Find the exempt portion of your House Rent Allowance using the least-of-three rule (metro and non-metro rates).
  • Home Loan Eligibility Calculator — Estimate how much home loan you can get based on your income, existing EMIs and FOIR.
  • Loan Prepayment Calculator — See how much interest a part-payment saves and whether your EMI or tenure reduces.
  • Margin & Markup Calculator — Calculate profit, gross margin percentage and markup percentage from cost and selling price.
  • Break-even Calculator — Find the number of units you must sell to cover your fixed and variable costs.
  • Capital Gains Calculator — Estimate tax on equity and mutual fund gains for short-term and long-term holding periods.
  • Length Converter — Convert between millimetres, centimetres, metres, kilometres, inches, feet, yards and miles.
  • Weight Converter — Convert between milligrams, grams, kilograms, tonnes, ounces, pounds and stones.
  • Temperature Converter — Convert between Celsius, Fahrenheit and Kelvin with the correct formulas.
  • Area Converter — Convert between square metres, square feet, hectares, acres, square kilometres and more.
  • Volume Converter — Convert litres, millilitres, cubic metres, gallons, quarts, pints and cups.
  • Speed Converter — Convert between km/h, mph, metres per second, feet per second and knots.
  • Time Converter — Convert between milliseconds, seconds, minutes, hours, days, weeks, months and years.
  • Data Storage Converter — Convert between bits, bytes, kilobytes, megabytes, gigabytes and terabytes.
  • Pressure Converter — Convert between pascals, kilopascals, bar, psi, atmospheres and torr.
  • Energy Converter — Convert joules, kilojoules, calories, kilocalories, watt-hours and kilowatt-hours.
  • Number to Words Converter — Convert any number into words in the Indian (lakh, crore) or international (million, billion) system.
  • US Mortgage Calculator — Estimate your monthly US mortgage payment including principal, interest, property tax, insurance and HOA.
  • Sales Tax Calculator — Add or remove US sales tax from any amount and see the tax and pre-tax price instantly.
  • VAT Calculator — Add or remove VAT from any amount using the standard, reduced or a custom EU VAT rate.
  • UK Income Tax Calculator — Estimate UK income tax on your annual income with the personal allowance, basic, higher and additional rates.
  • 401(k) Calculator — Project your US 401(k) balance from employee contributions, employer match and market growth.

We add new tools regularly. If you need something that isn't on the menu yet, tell us on the contact page and we'll try to brew it.

How we keep it free

The site is free to use and supported by advertising. We display ads from Google AdSense, which may use cookies to show more relevant advertisements — you can read all about this in our Privacy Policy. Supporting the site this way lets us keep every tool free, forever.

A note on accuracy

We work hard to make every formula correct and easy to verify — each page shows its formula and a worked example so you can check the numbers yourself. However, the calculators provide estimates for general information only and should never replace professional financial, legal or tax advice. Please read our Terms of Use before relying on any result.