ModernCalcs

Finance Hub

Professional-grade financial tools designed for precision, clarity, and wealth planning.

Home Loan EMI
Calculate EMI with Section 80C & 24 tax benefits and amortization.
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Income Tax (2025)
Compare New vs Old regime with latest Budget 2025 updates.
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CTC to In-Hand
Detailed salary breakdown including PF, PT, and Gratuity.
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Rent vs Buy
City-wise analysis of real estate yield vs capital appreciation.
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Car & Bike Loan
On-road price builder including GST, RTO, and Insurance.
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SIP & Lumpsum
Combined wealth planner for regular and one-time investments.
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Education Loan
Plan student loans with moratorium and Section 80E benefits.
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Budget Planner
Monthly household budget with India-specific categories.
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IT Act Depreciation
WDV method calculator for businesses and CAs.
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PPF / EPF / NPS
Compare India's top govt retirement schemes in one view.
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Credit Card Payoff
Avoid the minimum payment trap and plan your debt-free date.
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CIBIL Simulator
Predict how financial actions will impact your credit score.
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FD Laddering
Strategy for maximum liquidity and high returns on FDs.
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Gratuity Calculator
Calculate your entitlement and find the tax-exempt portion.
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GST Calculator
Add or remove Goods and Services Tax instantly.
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Fixed Deposit (FD)
Calculate maturity amount and interest earned on FDs.
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FIRE Calculator
Find your magic number for early retirement.
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Startup Runway
Calculate survival runway and zero-cash date.
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Land Unit Converter
Convert Sq Ft to Bigha, Gaj, Cent, and Guntha (State-wise).
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Electricity Bill (India)
State-wise DISCOM rates and appliance cost tracker.
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Fuel & Trip Cost
Petrol/Diesel trip cost and Petrol vs EV savings simulator.
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Comprehensive Financial Planning for India

Our Finance Hub provides a curated suite of 20+ tools tailored for the Indian financial ecosystem. From calculating your Mutual Fund SIP returns to comparing Old vs New Tax Regimes, we empower you to make data-driven decisions for your wealth.

Loan and EMI Planning

Use our advanced Home Loan and Car Loan calculators to visualize your repayment schedule and understand the impact of prepayments. We include India-specific insights like PMAY subsidies and Section 80C/24 tax benefits.

Tax and Salary Optimization

Stay ahead of Budget 2025 updates with our Income Tax and GST calculators. Our CTC-to-In-Hand tool provides a granular breakdown of your salary, accounting for PF, Professional Tax, and Gratuity deductions.

Why use ModernCalcs?

  • 100% Privacy: Your financial data never leaves your browser.
  • No Signup: Instant access to premium features without an account.
  • India-First: Localized for Indian laws, units, and tax slabs.
  • High Precision: AI-tuned algorithms for consistent accuracy.