Financial Calculators

Ten free calculators for loan and mortgage EMIs, interest, gold pricing, electricity bills and restaurant commission — built for India, and ready for the world where the maths is universal.

Financial Calculators for India and Global Users

This category brings together allcaltools' financial calculators in one place: home loan and mortgage EMI, personal/car/education/business/two-wheeler loan EMI, simple and compound interest growth, no-cost and credit card EMI conversion, gold jewellery pricing, an India electricity bill estimator, a Rajasthan-specific JVVNL bill calculator, and a Zomato restaurant commission and payout calculator. Together they cover the financial arithmetic that comes up most often — whether you're planning a big purchase, comparing loan offers, or checking what a platform actually deducts from an order.

Four of these tools — Mortgage / Home Loan EMI, Loan Calculator, Interest Calculator, and the International Gold Price Calculator — work for any currency or country, and switch between Indian (₹, Lakh/Crore) and global ($, Thousand/Million) number formats with the toggle in the navbar. The other six are deliberately India-specific: the No Cost EMI and Credit Card EMI calculators are built around India's GST rules on lending, the Gold Price Calculator (India) and Electricity Bill Calculator follow Indian GST, hallmarking and tariff rules, the Zomato Commission Calculator is built around that platform's India fee structure, and the JVVNL Domestic Bill Calculator is narrower still — it only applies to domestic consumers billed under Rajasthan's RERC tariff, not electricity bills anywhere else.

A quick note on where this page fits: search results for "EMI calculator" and "loan calculator" in India are dominated by banks and licensed lenders — SBI, HDFC, Bajaj Finserv, Axis, Groww and similar — showing their own rates and products. This page doesn't claim to replace that. What it offers instead is a genuinely neutral, free calculator you can use without signing up, without a CIBIL pull, and without any data leaving your device — every calculation here runs locally in your browser, so you can model a few scenarios privately before you talk to a lender or make a purchase.

Which Calculator Do I Need?

If you're not sure which of the ten tools below fits your situation, use this quick guide:

Your situation Use this calculator
Buying a home and want to work out the EMI, down payment and processing fee Mortgage / Home Loan EMI Calculator
Need EMI for a personal, car, education, business or two-wheeler loan Loan Calculator
Want to compare how simple interest and compound interest grow over time Interest Calculator
Checking whether a "0% interest" No Cost EMI offer is genuinely free of hidden cost No Cost EMI Calculator
Converting a credit card purchase or outstanding balance into fixed monthly EMIs Credit Card EMI Calculator
Buying gold jewellery in India and need the final price with making charges and GST Gold Price Calculator (India)
Buying gold outside India, in USD or another currency, by gram or troy ounce International Gold Price Calculator
Want to estimate a monthly electricity bill in India using slab-wise tariffs Electricity Bill Calculator
Live in Rajasthan and want your JVVNL domestic bill under the RERC tariff JVVNL Domestic Bill Calculator
Run a restaurant on Zomato and want to know your actual payout after fees Zomato Commission Calculator

All Financial Calculators

Free, no sign-up, no data uploaded — click any calculator to open it.

Mortgage / Home Loan EMI Calculator

Calculate your home loan EMI in India with principal, interest, tenure, down payment, processing fee and a visual amortization chart.

Personal, Car & Education Loan EMI Calculator

Calculate EMI for personal, car, education, business or two-wheeler loans in India, with total interest, total payment and a yearly amortization schedule.

Simple & Compound Interest Calculator

Calculate simple and compound interest in India — enter principal, rate and time to see maturity amount, total interest and a year-by-year growth chart.

No Cost EMI Calculator

See what a "No Cost EMI" offer really costs — the discount that cancels the interest, and the GST on it you still pay.

Credit Card EMI Calculator

Calculate your credit card EMI in India — monthly instalment, GST-inclusive interest, and the true total cost of conversion.

Gold Price & Making Charges Calculator (India)

Calculate the final price of gold jewellery in India including purity, wastage, making charges and GST, with a visual price breakdown.

International Gold Price Calculator (USD & Troy Ounce)

Calculate the final price of gold jewellery in USD or any world currency — by gram or troy ounce, any karat from 24K to 10K, with making charges, wastage and local sales tax/VAT.

Electricity Bill Calculator (India)

Estimate your electricity bill in India using slab-wise tariff rates, fixed charges and electricity duty, with an editable custom tariff option.

JVVNL Domestic Bill Calculator (Rajasthan)

Calculate your JVVNL domestic electricity bill under Rajasthan's RERC FY 2026-27 tariff, including solar import/export, surcharges, duty and cess.

Zomato Commission & Payout Calculator

Calculate how much a restaurant actually earns per Zomato order after commission, delivery charges, payment gateway fees and GST deductions.

Written and reviewed by Last updated

Frequently Asked Questions

Four of the ten — the Mortgage / Home Loan EMI Calculator, the Loan Calculator, the Interest Calculator, and the International Gold Price Calculator — work for any currency and country, using the India/Global number-format toggle in the navbar. The other six are built around India-specific rules (GST, hallmarking, state electricity tariffs, food-delivery commission structures) and are not meant for use outside India; the JVVNL Domestic Bill Calculator specifically only applies to Rajasthan.

No. Every calculator on this page runs entirely in your browser using JavaScript. Nothing you type in — loan amount, salary, electricity units, gold weight, order value — is uploaded to a server, logged, or saved anywhere. There is also no login or account, so there is nothing tied to your identity.

The loan and mortgage calculators use the same reducing-balance EMI formula that banks and NBFCs use, so the maths is accurate for the numbers you enter. They are a planning tool, not a loan offer — your actual EMI, interest rate and eligibility depend on your lender's underwriting and your CIBIL score. Use these figures to compare scenarios before you approach a lender, not as a substitute for a formal loan quote.

Where GST genuinely applies, yes — both Gold Price Calculators include GST on jewellery, and the Zomato Commission Calculator deducts GST on commission and payment gateway charges. The loan, mortgage and interest calculators do not add GST because EMIs and interest themselves are not taxed, though loan processing fees can attract GST that is not currently included.

The EMI formula is identical, but home loans typically involve a down payment and larger sums over longer tenures, so the Mortgage / Home Loan EMI Calculator's inputs and amortization view are tuned for that. The general Loan Calculator instead covers personal, car, education, business and two-wheeler loans, which share a similar structure and shorter tenure range.

Yes — since both use the same reducing-balance EMI formula, the numbers should match closely if you enter the same principal, rate and tenure. Use this page as a free, no-login way to run the numbers before or alongside your bank's calculator, not as a replacement for your lender's official quote.

No. None of the ten calculators on this page require sign-up, an account, an email address or a phone number — every one of them is free to use immediately, as many times as you like.