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Cheeky Tools

Free Online Calculators

15 free tools

Money, health and everyday arithmetic. Every one of these shows its formula and a worked example, so you can check the answer rather than trust it.

Most of these answer money questions, and which one you want depends on the direction the money moves. EMI is for money you are repaying, with interest working against you, and Mortgage is the same arithmetic for a home — with property tax, insurance, and the half-yearly compounding Canadian fixed-rate mortgages use. SIP and FD & RD are for money you are putting away, with interest working for you, and Compound Interest is the general version for any account anywhere, at any compounding frequency. Income Tax and Salary sit either side of one payslip: what you owe, and what actually reaches your account after it.

GST is the odd one out, and the mistake worth avoiding is running it backwards. Adding 18% to a price and stripping 18% out of a price are different sums, and the second is the one most people need, because an invoice total is usually GST-inclusive already.

The rest is arithmetic that is easy to get subtly wrong. Percentage covers the five variants people actually search for. Age counts calendar months rather than assuming every month has thirty days. BMI shows the WHO and Indian ICMR thresholds side by side, because they disagree, and only one of them is the right one to read if you are South Asian. Discount knows that 20% and then 10% off is 28%, not 30%. Tip splits a bill so the shares actually cover it. Date counts days and working days between two dates. Unit Converter works from the exact legal definitions and keeps US and UK gallons apart.

Frequently asked questions

Are these accurate enough to make a financial decision on?

The arithmetic is exact and every formula is published on the tool page, so you can check it rather than trust it. What a calculator cannot know is your specific terms: a lender's processing fee, a fund's expense ratio, the day interest is actually credited. Treat the number as the right shape of the answer and confirm the specifics with whoever holds the money.

Do the tax and GST tools use current Indian rates?

Yes. Each names the assessment year it applies to and cites the source its slabs come from, and the page changes when a rate does. If the date on a tool looks stale, that is a bug worth telling us about rather than a policy.

Do I need an account, and do you keep what I type?

No account, and nothing you type is sent anywhere. The calculators run in your browser. The only tool on this site that asks for an email is the SEO audit, because it crawls a site and emails the report back.

Which calculator should I use for a home loan?

EMI. It gives the monthly payment, the total interest across the term, the full amortisation schedule, and what a prepayment would save you, which is usually the number that changes a decision.