Personal finance, worked out in numbers you can check.
Loans, mortgages, tax, investing and debt payoff, explained and worked through — with health, school and everyday tools alongside. 206 free calculators, plus in-depth guides. No sign-up, no data leaves your browser.
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Worked out here first
Questions we computed rather than repeated — crossover points, thresholds and the exact figures behind them.
Old vs New Tax Regime: The Crossover Points, FY 2026-27
We computed the actual boundaries rather than working an example. The old regime wins in two separate salary bands, not one — and between them the new regime wins even with deductions maxed.
RAP vs IBR: Where Each Plan Is Cheaper (2026 Study)
We computed both income-driven repayment plans across every income from $0 to $300,000 and 20 household types. RAP is cheaper in three of them, and never by more than $50.50 a month — while IBR can win by $554.50.
The Advance Tax Cliff: Why ₹100 Short on 15 September Costs ₹1,083
At 1% a month, deferring advance tax costs a reasonable 12% a year. But s.234C attaches a 36% trigger to the September instalment, and missing it by ₹100 costs ₹1,083 on a ₹4 lakh liability.
Marginal Relief Above ₹12 Lakh: The Band Where a Raise Earns You Nothing
Cross ₹12,00,000 of taxable income by ₹10,000 and you owe ₹10,400, not ₹63,960. Marginal relief removes the cliff — but leaves a ₹71,000 band taxed at 104%.
Prepay the Loan or Invest the Difference? We Found the Exact Crossover
We modelled both choices over a full loan term at every return from 1% to 25%, at six different loan rates. The break-even landed within 0.1 percentage points of the loan rate itself, every time.
Direct vs Regular Mutual Fund Plans: What the Gap Actually Costs
Same fund, same manager, same portfolio — one costs about 1.2 points a year more. Over 25 years at ₹10,000 a month that gap came to ₹32.80 lakh, more than the total invested.
All 49 guides are in the archive, grouped by topic.
Finance
Loans, tax, savings, and everyday money math.
Currency Converter
Live exchange rates between world currencies.
Loan / EMI Calculator
Monthly payment and total interest, any currency, years or months.
Car Loan Calculator
Monthly payment with trade-in value and sales tax.
Mortgage Calculator
Monthly payment with property tax, insurance, and PMI.
Refinance Calculator
Compare your current loan against a new rate and term.
Rent vs. Buy Calculator
Net cost of renting vs. buying, with a break-even year.
Tax Calculator
Income tax estimate by country, with deductions and regimes.
Paycheck Calculator
Take-home pay per paycheck, after tax and payroll deductions.
Freelancer Tax Calculator (India)
44ADA vs books, GST threshold and advance tax dates.
GST / VAT Calculator
Add or remove GST/VAT for 8+ countries.
Investment Calculator
SIP, SWP, compound growth, and CAGR.
SIP Calculator
Systematic investment plan maturity value, with step-up.
Compound Interest Calculator
Compound growth with optional monthly contributions.
Savings Goal Calculator
How long to reach a goal, or how much to save monthly.
Retirement Calculator
Retirement balance projection, with employer match.
Net Worth Calculator
Total assets minus liabilities.
Discount Calculator
Sale price, savings, or the original price in reverse.
Tip Calculator
Split a bill by percentage and number of people.
FD Calculator
Fixed deposit maturity with quarterly compounding (India).
RD Calculator
Recurring deposit maturity on monthly deposits (India).
PPF Calculator
15-year tax-free Public Provident Fund growth (India).
Old vs New Tax Regime Calculator
Which India regime wins, given your actual deductions.
Advance Tax Calculator
Instalment schedule with s.234B and s.234C interest (India).
ITR Form Selector
Which ITR form you must file for AY 2026-27, and your real deadline (India).
Residential Status Calculator
Resident, RNOR or non-resident under the Income-tax Act 2025 (India).
HRA Calculator
House rent allowance exemption, metro or non-metro (India).
Gratuity Calculator
Gratuity payout and tax-exempt portion under the ₹20 lakh limit (India).
EPF Calculator
Project your Employee Provident Fund corpus to retirement (India).
FIRE & Coast FIRE Calculator
Your retire-early number, plus how much you need saved today to coast there.
RSU Vesting Calculator
Year-by-year RSU vesting schedule with pre-tax and after-tax value.
Cross-Country Salary Calculator
Compare take-home pay across eight countries at live rates.
FX Hidden-Fee Calculator
See the real markup your bank or card charges vs. the live mid-market rate.
Zakat Calculator
2.5% of qualifying wealth above nisab, gold or silver basis.
Break-Even & Profit Margin Calculator
Units to break even, plus gross margin and markup.
Debt Payoff Calculator
Snowball vs. avalanche payoff strategy comparison.
Salary Calculator
Convert pay between hourly, weekly, monthly, and annual.
Sales Tax Calculator
Add sales tax to a price, or back it out from a total.
CD Calculator
Certificate of deposit maturity value and APY (US).
Amortization Schedule Calculator
Full payment-by-payment principal vs. interest breakdown for any loan.
401(k) Calculator
Retirement balance projection with employer match and contribution %.
IRA & Roth IRA Calculator
Growth projection and traditional vs. Roth tax comparison.
House Affordability Calculator
Maximum home price from your income, debts, and down payment.
Down Payment Calculator
How much to save, and whether you'll owe PMI.
Debt-to-Income Ratio Calculator
The ratio lenders use to judge how much more you can borrow.
Simple Interest Calculator
Interest and total payable on principal, rate, and time — no compounding.
ROI Calculator
Return on investment, annualized return, from cost, gain, and time.
Credit Card Payoff Calculator
Months to pay off a card, or the payment needed to hit your target date.
Mortgage Payoff Calculator
Extra payments and their effect on your mortgage term and interest.
Rent Affordability Calculator
How much rent you can afford based on income and expenses.
Real Estate Investment Calculator
Cash flow, cap rate, and cash-on-cash return on a rental property.
Rental Property Calculator
Full income and expense breakdown for owning a rental.
APR Calculator
True annual percentage rate on a loan, including fees.
FHA Loan Calculator
FHA mortgage payment with upfront and annual mortgage insurance.
VA Mortgage Calculator
VA loan payment with funding fee, no PMI.
VA Funding Fee Calculator
Your exact VA funding fee rate by loan type, down payment and prior use.
Home Equity Loan Calculator
Payment on a lump-sum loan against your home's equity.
HELOC Calculator
Draw and repayment period payments on a home equity line of credit.
Cash Back or Low Interest Calculator
Compare a dealer cash-back offer against low-interest financing.
Auto Lease Calculator
Monthly lease payment from residual value, money factor, and term.
Finance Calculator (Time Value of Money)
Solve for present value, future value, rate, or payment.
Interest Rate Calculator
Solve for the interest rate given payment, principal, and term.
Bond Calculator
Bond price, yield to maturity, and coupon income.
Mutual Fund Calculator
Projected value of a lump sum plus recurring investments, net of fees.
Expense Ratio Calculator
What a fund fee costs over time, and how two ratios compare.
Dividend Calculator
Dividend income over time, with growth, tax, reinvestment and yield on cost.
Average Return Calculator
Average and annualized return across multiple years of gains/losses.
IRR Calculator
Internal rate of return on a series of cash flows.
Payback Period Calculator
Time to recover an initial investment from its cash flows.
Present Value Calculator
Today's value of a future lump sum or annuity.
Future Value Calculator
Future value of a lump sum plus regular contributions.
Savings Calculator
Balance grown from deposits and interest over time.
Pension Calculator
Estimated monthly pension from years of service and salary.
Social Security Calculator
Estimated monthly benefit by claiming age.
Annuity Calculator
Growth of a fixed annuity during the accumulation phase.
Annuity Payout Calculator
Monthly payout from an annuity over a fixed period or for life.
RMD Calculator
Required minimum distribution from a retirement account by age.
Marriage Tax Calculator
Tax difference between filing jointly vs. as two single filers.
Estate Tax Calculator
Estimated federal estate tax above the current exemption.
Inflation Calculator
What a past or future dollar amount is worth in today's money.
Debt Consolidation Calculator
Combined payment and payoff time vs. one consolidation loan.
Income-Driven Repayment Calculator
Compare the 2026 RAP plan against IBR and the standard payment.
PSLF Calculator
Track the 120 payments and what would be forgiven.
Student Loan Calculator
Monthly payment and total interest on a student loan.
College Cost Calculator
Projected total cost of college with tuition inflation.
Depreciation Calculator
Straight-line and declining-balance asset depreciation schedules.
Margin Calculator
Selling price, margin %, and markup % from cost and price.
Business Loan Calculator
Payment and total cost on a fixed-rate business loan.
Personal Loan Calculator
Monthly payment and total interest on an unsecured personal loan.
Boat Loan Calculator
Monthly payment on a fixed-rate boat loan.
Lease Calculator
Payment on a general equipment or property lease.
Budget Calculator
Income vs. expenses by category, and what's left to save.
Commission Calculator
Commission earned from a sale, flat-rate or tiered.
Health
Body and fitness metrics.
BMI Calculator
Body mass index from height and weight.
Calorie / BMR Calculator
BMR and daily calorie needs by activity level.
Macro Calculator
Protein, carb, and fat targets in grams.
Pregnancy Due Date Calculator
Due date, current week, and trimester.
Ovulation Calculator
Ovulation day and fertile window estimate.
Ideal Weight Calculator
Healthy weight range across four medical formulas.
Body Fat Calculator
Body fat percentage from tape-measure circumferences (US Navy method).
Army Body Fat Calculator
Body fat % using the US Army's circumference-based standard.
Lean Body Mass Calculator
Fat-free mass across four medical formulas.
Healthy Weight Calculator
BMI-based healthy weight range for your height.
Calories Burned Calculator
Calories burned by activity, duration, and body weight.
One Rep Max Calculator
Estimated one-rep max from any weight and rep count.
Target Heart Rate Calculator
Training heart-rate zones from age and resting heart rate.
Pregnancy Calculator
Current week, trimester, and milestones from your last period.
Pregnancy Weight Gain Calculator
Recommended weight gain range by pre-pregnancy BMI.
Conception Calculator
Likely conception date from a due date or last period.
Sleep Cycle Calculator
Best bedtime or wake-up time based on 90-minute sleep cycles.
Water Intake Calculator
Daily hydration target from weight, exercise, and climate.
TDEE Calculator
Total daily calorie burn from BMR and activity level.
Protein Calculator
Daily protein target in grams, by training goal.
Child Height Predictor
Mid-parental target height, with the real prediction range.
eGFR Calculator
Kidney function from creatinine, using the 2021 race-free CKD-EPI equation.
Body Surface Area Calculator
Four published BSA formulas side by side, with the spread shown.
Blood Alcohol Calculator
Widmark BAC estimate from drinks, weight and time.
Fat Intake Calculator
Daily grams of fat from a calorie target, with saturated fat limits.
Period Calculator
Six-cycle forecast with ovulation and PMS windows.
Education
School and academic math.
GCF Calculator
Greatest common factor, with prime factorisations.
LCM Calculator
Least common multiple of two or more numbers.
Factor Calculator
Every factor of a number plus its prime factorisation.
Rounding Calculator
Decimals, significant figures and banker’s rounding.
Scientific Notation Calculator
Convert to and from scientific and engineering notation.
Big Number Calculator
Exact arithmetic on integers of any size.
Number Sequence Calculator
Arithmetic, geometric and Fibonacci sequences.
Probability Calculator
Two events: and, or, neither, and conditional.
Matrix Calculator
Add, multiply, determinant and inverse for 2×2 and 3×3.
Circle Calculator
Radius, diameter, circumference and area from any one.
Area Calculator
Area and perimeter for seven common 2D shapes.
Volume Calculator
Volume and surface area for six common solids.
Surface Area Calculator
Total and lateral surface area for five solids.
Slope Calculator
Slope, angle, intercept and line equation from two points.
Coordinate Distance Calculator
Distance and midpoint between two points, 2D or 3D.
Pythagorean Theorem Calculator
Solve a² + b² = c² for any missing side.
Right Triangle Calculator
Sides, angles, area and perimeter from any two knowns.
Triangle Calculator
Solve any triangle from SSS, SAS or ASA.
GPA Calculator
GPA on the 4.0, 5.0, or 10.0 scale, by credit hours.
Grade Calculator
Weighted course grade, plus the score you need on what's left.
Scientific Calculator
Trig, logs, powers, roots, and memory keys.
Fraction Calculator
Add, subtract, multiply, divide, and simplify fractions.
Statistics Calculator
Mean, median, mode, range, variance, and standard deviation.
Percent Error Calculator
Percent error between an experimental and true value.
Exponent Calculator
Raise any base to any power, including negative and fractional.
Binary Calculator
Add, subtract, and convert between binary and decimal.
Hex Calculator
Add, subtract, and convert between hexadecimal and decimal.
Half-Life Calculator
Remaining quantity after any number of half-lives, or the half-life itself.
Quadratic Formula Calculator
Real or complex roots of ax² + bx + c = 0.
Log Calculator
Logarithm to any base, including natural log.
Ratio Calculator
Simplify a ratio, or solve for a missing term in A:B = C:D.
Root Calculator
Square root, cube root, or any nth root.
Standard Deviation Calculator
Population and sample standard deviation and variance.
Sample Size Calculator
Required survey sample size for a target confidence and margin of error.
Mean, Median, Mode & Range Calculator
Central tendency and spread for any list of numbers.
Permutation and Combination Calculator
nPr and nCr — arrangements and selections from a set.
Z-Score Calculator
Standard score from a value, mean, and standard deviation.
Confidence Interval Calculator
Confidence interval for a sample mean or proportion.
Ohm’s Law Calculator
Any two of voltage, current, resistance and power give the other two.
Resistor Colour Code Calculator
Decode 4, 5 and 6-band resistor colours into resistance and tolerance.
Roman Numeral Converter
Numbers to Roman numerals and back, with standard form checked.
Molecular Weight Calculator
Molar mass from a chemical formula, with a per-element breakdown.
Molarity Calculator
Solution concentration, moles and the mass to weigh out.
Density Calculator
Any two of density, mass and volume give the third.
Weight on Other Planets
What you would weigh across the solar system, using NASA gravity data.
Everyday
Quick, practical tools for daily use.
Basic Calculator
Plain arithmetic with full keyboard support.
Percentage Calculator
Find X% of Y, or what percent A is of B.
Age Calculator
Exact age in years, months, and days.
Days Between Dates
Exact days, weeks, and business days between two dates.
Time Calculator
Add or subtract durations, and total hours worked from clock times.
Unit Converter
Length, weight, volume, area, speed, time, data, and temperature.
Week Number Calculator
ISO week number, day of year, and weekday for any date.
CM to Inches
Quick two-way centimeter/inch conversion.
KG to Pounds
Quick two-way kilogram/pound conversion.
Celsius to Fahrenheit
Quick two-way temperature conversion.
Password Generator
Strong random passwords, generated locally.
Random Number Generator
Random integers in a range, with optional no-repeat mode.
Word Counter
Live word, character, and sentence counts.
Pace Calculator
Running/walking pace, split times, and finish-time projections.
Bill Split Calculator
Split an uneven bill fairly, with tax and tip proportional to what each person ordered.
Fuel Cost Calculator
Trip fuel cost by distance and efficiency — MPG, L/100km, or km/L.
Voltage Drop Calculator
Volts lost over a cable run, checked against NEC 3% and 5% limits.
Electricity Cost Calculator
What an appliance costs to run per day, month and year.
IP Subnet Calculator
CIDR to network, broadcast, host range, netmask and wildcard.
Bandwidth Calculator
File transfer time from size and connection speed, bits versus bytes handled.
Base64 Encoder and Decoder
Text to Base64 and back, with full Unicode support.
URL Encoder and Decoder
Percent-encode a URL or query value, or decode one back.
Speed Calculator
Speed, distance and time in any two directions, plus running pace.
Concrete Calculator
Slab, footing or column volume in yards, metres and bags.
Square Footage Calculator
Area in sq ft, m², yards, acres and hectares.
BTU Calculator
Air conditioner and heating size for a room.
Stair Calculator
Riser, tread, run and stringer, checked against IRC limits.
Roofing Calculator
Roof area from footprint and pitch, in squares and bundles.
Tile Calculator
Tile and box counts, with grout lines actually accounted for.
Mulch Calculator
Cubic yards and bags for a garden bed at any depth.
Gravel Calculator
Cubic yards and tons of gravel, stone, sand or topsoil.
Wind Chill Calculator
NWS wind chill with frostbite exposure times.
Heat Index Calculator
Full NWS Rothfusz regression, adjustments included.
Dew Point Calculator
Magnus formula with the meteorologists’ comfort scale.
Gas Mileage Calculator
Real fuel economy in MPG, L/100km and km/L.
Horsepower Calculator
From torque and rpm, or quarter-mile trap speed or ET.
Tire Size Calculator
Compare sizes and see the speedometer error.
Time Card Calculator
Weekly timesheet with breaks, overtime and pay.
Time Zone Converter
One time across 33 cities, with daylight saving resolved.
Paint Calculator
Litres or gallons for a room, with doors and windows deducted.
Cooking Measurement Converter
Cups to grams by ingredient — a cup of flour is not a cup of sugar.
Aspect Ratio Calculator
Resize without distortion; names the real ratio behind the marketing label.
Colour Converter
HEX, RGB, HSL and a WCAG contrast checker with AA/AAA verdicts.
About TallyBench
What this is, and how the numbers work.
TallyBench is a finance-first calculator site — loans, mortgages, taxes, investing — that also covers health, school, and everyday math, one question at a time. No account, no app download, no data stored anywhere but your own browser tab.
How is tip calculated?
Multiply the bill by the tip percentage, then divide the total by the number of people. TallyBench does this live as you type.
Is the BMI number exact?
BMI is a screening estimate based on height and weight only — it doesn't account for muscle mass, age, or frame size, so treat the category as a starting point, not a diagnosis.
How is the loan payment formula calculated?
TallyBench uses the standard fixed-rate amortization formula, converting your annual rate to a monthly rate and solving for a level payment across the full term.
Is my password generator output stored anywhere?
No. Passwords are generated using your browser's built-in random number generator and never leave the page.