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myfinancemyntra

All financial tools and calculators

81 in-depth tools covering the decisions that actually move money. Each one gives you the number, the breakdown of what drives it, and what to do next — with the dollar impact quantified.

Mortgages & Home Buying

Work out what you can actually afford — before you talk to a lender.

  • AI Mortgage Advisor

    A verdict, not a payment — risk level, stress test, and whether the down payment is the right call.

  • Mortgage Calculator

    See principal, interest, taxes, insurance and PMI — then what the loan really costs over 30 years.

  • Home Affordability Calculator

    Two answers: what a lender will approve, and what your budget can genuinely sustain.

  • Rent vs Buy Calculator

    Buying wins eventually in most markets. This finds the year it starts winning in yours.

  • Refinance Calculator

    A lower rate is not automatically a win. This shows what restarting the clock costs.

  • Closing Cost Calculator

    Down payment plus 2–5% in costs most first-time buyers discover far too late.

  • Mortgage Amortization Calculator

    See exactly how each payment splits between principal and interest — year by year, with a downloadable schedule.

  • Extra Mortgage Payment Calculator

    See how a little extra toward principal each month cuts years off your mortgage and saves tens of thousands.

  • Down Payment Calculator

    See your down payment, loan amount and PMI at every level — and what it takes to reach the 20% mark.

  • PMI Calculator

    Estimate your monthly PMI, what it costs until removal, and when you can drop it at 20% equity.

  • Home Equity Calculator

    See your home equity, your loan-to-value, and roughly how much you could borrow against it.

  • HELOC Calculator

    See how large a home equity line you could open, and what the interest-only and repayment payments look like.

  • Property Tax Calculator

    Estimate your property tax from your home's value and local rate, including exemptions and the monthly escrow cost.

  • ARM vs Fixed Mortgage Calculator

    Compare an adjustable-rate mortgage against a fixed one — including what happens if the ARM adjusts upward.

Investing & Compound Growth

See what consistent contributions actually turn into over decades.

Retirement Planning

Find the number you need, and the date it becomes reachable.

  • AI Retirement Planner

    Not just a number — the age you can retire, the milestones on the way, and what to contribute now.

  • Retirement Savings Calculator

    Find your target, see the gap, and check whether you are leaving employer money behind.

  • FIRE Calculator

    Your savings rate sets the date far more than your income does. This shows the year.

  • 401(k) Calculator

    See what your contributions and your employer's match grow into — and whether you're leaving free money on the table.

  • Social Security Calculator

    See an educational estimate of your monthly benefit, and how claiming at 62, full retirement age or 70 compares.

  • Roth IRA Calculator

    See what your contributions grow into — and how much of that growth is yours completely tax-free.

  • Traditional vs Roth IRA Calculator

    Compare pre-tax and after-tax retirement saving on your own tax rates — including the side fund a deduction buys.

  • RMD Calculator

    Work out the minimum you must withdraw from a retirement account this year — and the tax that comes with it.

  • Retirement Withdrawal Calculator

    See how long a portfolio survives at your withdrawal rate, with inflation raising the amount you need each year.

  • 401(k) Early Withdrawal Calculator

    See what's left after income tax and the 10% penalty — and what that money would have become if you left it alone.

  • Roth Conversion Calculator

    Compare converting now and paying tax today against leaving the money to grow and be taxed in retirement.

  • Coast FIRE Calculator

    Find the point where your existing investments will grow into your retirement number without another dollar saved.

  • Lean FIRE Calculator

    Find the smaller portfolio that funds a deliberately lean lifestyle — and how soon your savings rate gets you there.

Debt Payoff & Management

Pick the order, see the date, and know what the shortcut costs.

  • AI Debt Optimizer

    Compares avalanche, snowball, consolidation and a balance transfer on your real numbers.

  • Debt Payoff Calculator

    Enter your balances, get a payoff date — and see exactly what the easier order costs you.

  • Debt-to-Income Calculator

    The single number lenders check first — and the one that decides your mortgage approval.

  • Student Loan Calculator

    See your payoff date, total interest, and what refinancing would cost you in federal protections.

  • Personal Loan Calculator

    See your monthly payment, total interest and the real cost of a personal loan after origination fees.

  • Loan Comparison Calculator

    Put three loan offers side by side and see which truly costs the least after interest and fees.

Credit Scores & Credit Cards

Understand what actually moves a FICO score — and what doesn't.

Budgeting & Saving

Build the cushion first, then optimize everything else.

  • Can I Afford It?

    A car, a wedding, a vacation, a dog. Enter the cost and get a straight answer with the real impact.

  • AI Budget Optimizer

    Compares every category against real benchmarks and shows exactly where you're overspending.

  • Budget Calculator

    Built on take-home pay, with the annual costs that break most monthly budgets.

  • Emergency Fund Calculator

    Sized on essential expenses and your actual risk profile — not a generic three-to-six months.

  • Monthly Expense Tracker

    Add up every category, see the percentages, and find what you've stopped noticing.

  • Subscription Cost Analyzer

    The annual total, the per-use cost, and what cancelling would be worth if invested.

  • Cash Flow Calculator

    Income in, obligations out, and the number that decides whether you're building or slipping.

  • Wedding Budget Calculator

    Split your budget across the big categories, see the cost per guest, and catch overspending before it happens.

  • Baby Cost Calculator

    Add up the real cost of a first baby — childcare, gear, food and the household costs that quietly go up.

Taxes & Take-Home Pay

Know your real marginal rate before you make a tax decision.

  • Federal Income Tax Calculator

    Bracket-by-bracket breakdown, your effective rate, and what the next dollar costs.

  • Capital Gains Tax Calculator

    Estimate the federal tax on an investment sale — short-term vs long-term, with the 3.8% surtax where it applies.

  • Self-Employment Tax Calculator

    Estimate the Social Security and Medicare tax on your business profit — the extra 15.3% W-2 workers never see.

  • 1099 Tax Calculator

    Estimate self-employment tax plus federal income tax on 1099 income — and what to set aside each quarter.

  • Quarterly Tax Calculator

    Work out what to send the IRS each quarter so you avoid underpayment penalties and an April surprise.

  • W-4 Withholding Calculator

    Estimate whether your current withholding leaves you with a refund or a bill — and what to change on your W-4.

  • Bonus Tax Calculator

    See the flat 22% federal withholding on a bonus, what lands in your account, and how it settles at filing.

Salary, Paychecks & Income

Translate an offer into the number that lands in your account.

  • Paycheck Calculator

    Federal tax, FICA, state tax and deductions — see exactly what lands in your account.

  • Hourly to Salary Calculator

    Turn an hourly rate into annual, monthly, biweekly and weekly pay — accounting for your real hours and unpaid time off.

  • Salary to Hourly Calculator

    Turn an annual salary into an hourly rate — and see what your time is really worth per working hour.

  • Overtime Calculator

    See your overtime rate, weekly pay with overtime, and what those extra hours add up to over a year.

  • Raise Calculator

    See your new salary and the annual, monthly and weekly increase — plus what's left after inflation.

  • Cost of Living Calculator

    Work out the salary you'd need in a new city to keep the same standard of living — including the state tax difference.

Banking, Savings & Yield

Stop leaving four percentage points on the table.

  • Savings Goal Calculator

    Work backwards from the number you need to the monthly amount that gets you there.

  • High-Yield Savings Calculator

    Project your balance with monthly deposits — and see how much a high-yield account earns over a big-bank one.

  • CD Calculator

    See what a CD grows to at maturity, the interest you earn, and how it compares to leaving cash idle.

  • APY Calculator

    Turn a stated interest rate and compounding frequency into the real annual percentage yield you'll earn.

  • Savings Account Interest Calculator

    See the interest a balance earns, and how much extra compounding adds over simple interest.

  • CD Ladder Calculator

    Split your cash across staggered CDs so some matures every year — earning more than savings without locking it all away.

Car Buying & Auto Finance

Know the real cost of the car before you sign at the dealer.

  • Auto Loan Calculator

    See your real monthly payment after tax, trade-in and fees — plus the total interest a longer term quietly adds.

  • Car Affordability Calculator

    Work backwards from your income to a car price you can actually carry — payment, insurance, fuel and all.

  • Car Lease Calculator

    Break a lease into its real parts — depreciation, finance charge and tax — and see the money factor as a plain APR.

  • Auto Refinance Calculator

    Compare your current car loan to a new one — monthly savings, lifetime savings and the break-even on fees.

  • Total Cost of Car Ownership Calculator

    The real cost of a car isn't the payment — it's depreciation, insurance, fuel, maintenance and interest combined.

Financial Planning & Net Worth

One number that tells you whether the whole plan is working.

  • AI Financial Health Score

    One score across six areas — emergency fund, debt, savings rate, investing, credit and cash flow.

  • Net Worth Calculator

    One number that tells you whether the whole plan is working — plus what is actually spendable.