Run the numbers first

    Make money decisions with real numbers.

    Model SIP growth, retirement withdrawals, loan EMIs and profit margins with live results. Your savings and loan figures stay on your device.

    Explore Tools

    Popular

    Profit Margin Calculator

    Calculate gross, operating and net profit margins for business analysis.

    ROI Calculator

    Compare simple and compound interest returns to evaluate investment growth.

    Home Loan EMI Calculator

    Calculate monthly EMI, total interest and housing loan repayment instantly.

    SIP Calculator

    Calculate mutual fund returns and future value of monthly SIP investments online.

    SWP Calculator

    Plan systematic withdrawals and estimate retirement income from investments.

    How It Works

    Five calculators for the money decisions that are hard to judge by eye: how fast a SIP grows, whether a corpus will last, what a loan really costs and what your profit margin looks like.

    Pick the calculator that matches the decision in front of you

    Most money questions come down to one thing: what will this look like in a month, or in twenty years? These calculators let you test an answer before you commit to a fund, a loan or a job offer. Change a rate or a tenure and the result updates straight away, so you can try five scenarios in the time a spreadsheet takes to open.

    Start with your question

    • Investing every month? The SIP Calculator projects mutual fund growth for a monthly SIP or a one-time lumpsum, and separates what you put in from what compounding added.
    • Living off your savings? The SWP Calculator shows how long a corpus lasts at a given monthly withdrawal and return rate, and what is left at the end.
    • Comparing returns? The ROI Calculator sets simple and compound growth side by side, with optional top-ups and a year-by-year chart.
    • Borrowing to buy a home? The Home Loan EMI Calculator gives your monthly EMI, total interest and a month-by-month amortisation schedule.
    • Pricing a product? The Profit Margin Calculator turns cost and markup into a selling price, profit per unit and gross margin.

    Getting more from the results

    Small inputs carry big weight. A quarter-point difference in loan interest over twenty years is real money, so run the same loan at each bank's quoted rate. In the SIP and ROI calculators, adding a few years of tenure usually moves the outcome more than nudging the return rate, so try both before you decide how much to invest.

    The financial calculators let you switch between USD, INR, EUR and JPY so you can plan in your own currency.

    What these numbers are, and are not

    Every result is an estimate built on the rate you enter. Real returns move, lenders add fees and market conditions change. Use the output to compare options and set expectations, then confirm final figures with your lender, broker or a registered adviser.

    Frequently Asked Questions

    Common questions about our free financial tools and calculations.

    No. Every calculation runs in your browser and nothing you type is sent to Tooltri. Each calculator does remember your last inputs in your browser's local storage so a refresh does not wipe your work. That copy stays on your device, and the Reset button clears it. On a shared computer, press Reset before you leave.

    Yes. All of our financial calculators—including SIP, SWP, ROI, home loan EMI and profit margin—work with any numbers and let you switch the currency between USD, INR, EUR and JPY.

    Use SIP mode when you invest a fixed amount from each month's income, and Lumpsum mode when you have one sum to invest, such as a bonus or a matured deposit. Run both with the same return rate and tenure to see the gap. Treat the return rate as an assumption, not a promise. Markets move, and fund costs and taxes reduce what you actually keep.

    Enter your starting corpus, the amount you want to withdraw each month, the return you expect on the money that remains and the number of years. The results show your total withdrawals and what is left at the end. If the balance runs out before your planned period, the withdrawal is too high for that return, so lower it or start with a bigger corpus and run it again. It is safer to test a conservative return than an optimistic one.

    Simple interest is earned only on your original deposit, so growth is a straight line. Compound interest is earned on the deposit plus the interest already added, so growth curves upward the longer you stay invested. The ROI Calculator lets you compare the two, add regular top-ups at the frequency you choose, and see the balance year by year in a chart.

    Three levers matter most: a lower interest rate, a shorter tenure and prepayments. The amortisation schedule in the Home Loan EMI Calculator shows why. In the early years most of each EMI goes to interest, so extra principal paid early saves the most. Compare tenures and rates in the calculator before you sign, and check your loan agreement for any prepayment charges.

    Markup is the percentage you add on top of your cost. Margin is the share of the selling price that is profit. A product that costs 80 and sells for 100 has a 25% markup but only a 20% margin. The Profit Margin Calculator takes your cost and markup and shows the selling price, profit per unit and gross margin, so you do not underprice by mixing the two up.