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Live tools for loans, tax, investing, and health — ready to use right now.

EMI Calculator

Calculate Equated Monthly Installments for any loan type with advanced features like prepayment simulation, floating rate changes, and detailed amortization schedules.

Loan & EMIExplore

Home Loan EMI Calculator

Calculate home loan EMI, true buying cost, government charges, lender fees, tax benefits under Section 24(b) and 80C, and FOIR-based affordability for Indian home buyers.

Loan & EMIExplore

Personal Loan EMI Calculator

Calculate personal loan EMIs with leverage health indicators, maximum eligible loan based on FOIR, and total cost of borrowing including processing fees.

Loan & EMIExplore

Car Loan EMI Calculator

Calculate car loan EMIs with complete on-road price breakdown including RTO charges, insurance, accessories, and trade-in value adjustments.

Loan & EMIExplore

Education Loan Calculator

Calculate education loan EMIs with course period moratorium, interest accrual options, subsidy eligibility, and Section 80E tax benefits.

Loan & EMIExplore

SIP Calculator

Calculate SIP growth with annual step-up, inflation-adjusted value, expense ratio drag, optional lump sum, LTCG-aware post-tax corpus, and goal-based monthly investment estimates.

InvestmentsExplore

Fixed Deposit Calculator

Calculate fixed deposit maturity with cumulative or income-style assumptions, TDS impact, post-tax maturity, real return after inflation, and required corpus for income targets.

InvestmentsExplore

Old vs New Tax Regime Calculator

Calculate income tax liability for FY 2025-26 / AY 2026-27 under both old and new regimes with HRA, 80C, split 80D buckets, NPS, home-loan interest, and capital-gains-aware surcharge rules.

TaxExplore

BMI Calculator

Calculate BMI with metric or imperial inputs, switch Asian thresholds on demand, see ideal-weight range, goal timeline, BMR/TDEE estimates, and practical health insights.

HealthExplore

Period Calculator

Calculate the expected start and end of your next period, estimate ovulation, view the fertile window, and preview the next three cycle dates using simple date-based cycle logic.

HealthExplore

Ovulation Calculator

Estimate ovulation from your last period and cycle length, see fertile windows for the next three cycles, and calculate an approximate due date if conception occurs near ovulation.

HealthExplore

Pregnancy Test Calculator

Estimate pregnancy test timing for natural conception or IVF/ICSI using cycle dates, ovulation timing, embryo transfer date, embryo age, and test sensitivity.

HealthExplore

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Loans, tax, salary, retirement, business, and more — grouped so you can jump in faster.

Loan & EMI

15 calculators
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Investments

15 calculators
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Tax

15 calculators
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Salary

8 calculators
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Retirement

7 calculators
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Business

4 calculators
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Real Estate

3 calculators
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Health

4 calculators
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Popular calculators

High-demand tools across the catalog

Flagship calculators with the strongest search demand in India.

EMI Calculator

Calculate Equated Monthly Installments for any loan type with advanced features like prepayment simulation, floating rate changes, and detailed amortization schedules.

5M+/moExplore

Home Loan EMI Calculator

Calculate home loan EMI, true buying cost, government charges, lender fees, tax benefits under Section 24(b) and 80C, and FOIR-based affordability for Indian home buyers.

2M+/moExplore

Personal Loan EMI Calculator

Calculate personal loan EMIs with leverage health indicators, maximum eligible loan based on FOIR, and total cost of borrowing including processing fees.

1.5M/moExplore

Car Loan EMI Calculator

Calculate car loan EMIs with complete on-road price breakdown including RTO charges, insurance, accessories, and trade-in value adjustments.

800K/moExplore

Education Loan Calculator

Calculate education loan EMIs with course period moratorium, interest accrual options, subsidy eligibility, and Section 80E tax benefits.

200K/moExplore

SIP Calculator

Calculate SIP growth with annual step-up, inflation-adjusted value, expense ratio drag, optional lump sum, LTCG-aware post-tax corpus, and goal-based monthly investment estimates.

2M+/moExplore

Fixed Deposit Calculator

Calculate fixed deposit maturity with cumulative or income-style assumptions, TDS impact, post-tax maturity, real return after inflation, and required corpus for income targets.

1.5M/moExplore

Old vs New Tax Regime Calculator

Calculate income tax liability for FY 2025-26 / AY 2026-27 under both old and new regimes with HRA, 80C, split 80D buckets, NPS, home-loan interest, and capital-gains-aware surcharge rules.

3M+/moExplore

BMI Calculator

Calculate BMI with metric or imperial inputs, switch Asian thresholds on demand, see ideal-weight range, goal timeline, BMR/TDEE estimates, and practical health insights.

1M+/moExplore

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Mobile-first

Designed to stay fast and readable on phones, not just wide desktop screens.

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New calculators and improvements roll out across loans, tax, investing, and more.

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Quick answers about using UniversalCalculator.co.

Are these calculators really free?
Yes. UniversalCalculator.co is free to use with no account required. You can run calculations as often as you need.
How accurate are the results?
Results follow standard financial formulas and India-specific assumptions shown on each page. They are indicative — verify figures with your lender, CA, or advisor before making decisions.
Do you store my inputs or personal data?
Calculations run in your browser. We do not require login for basic tools, and your numbers are not saved to an account as part of the public calculator flow.
Which calculators work best on mobile?
All live calculators are built mobile-first. Loan, tax, SIP, and BMI tools are especially easy to use on a phone.
How do I find the right calculator?
Use the search bar on the home page or press Cmd+K (Ctrl+K on Windows) from anywhere on the site. You can also browse by category on the home page or the full calculator library.
Will more calculators be added?
Yes. The catalog is actively expanding across loans, tax, salary, retirement, business, and health categories.