14 Tools Available 100% Client-Side

Finance Tools

Free online finance calculators for GST, EMI, SIP, FD, RD, PPF, income tax, compound interest and more. Instant, accurate, 100% in your browser.

Includes:GSTEMISIPIncome Tax

Popular Finance Calculators

The most-used calculators for loans, taxes, GST and investments in India.

EMI Calculator

Client-Side

Calculate home, car and personal loan EMI instantly — monthly payment, total interest and full amortization schedule. Free, accurate and 100% in-browser.

Open Tool finance

Income Tax Calculator

Client-Side

Estimate FY 2026-27 income tax under new and old regimes — slabs, rebate, surcharge, marginal relief and cess. Free and private.

Open Tool finance

GST Calculator

Client-Side

Calculate GST (CGST, SGST/IGST and total) instantly — exclusive or inclusive. Free, accurate and works entirely in your browser.

Open Tool finance

SIP Calculator

Client-Side

Calculate the maturity value of your monthly SIP investments. See total invested vs estimated gains at any return rate. Free and 100% in-browser.

Open Tool finance

High intent

Loan EMI Calculators

Compute monthly EMI, total interest and schedules for home, car and personal loans.

Home Loan EMI Calculator

Client-Side

Calculate home loan EMI for India instantly — monthly payment, total interest and full amortization schedule for any tenure. Free, private and in-browser.

Open Tool finance

Car Loan EMI Calculator

Client-Side

Calculate car loan EMI in India — monthly payment, total interest and amortization schedule for new or used cars. Free, accurate and private.

Open Tool finance

Personal Loan EMI Calculator

Client-Side

Calculate personal loan EMI in India instantly — monthly payment, total interest and schedule at typical personal loan rates. Free, accurate and private.

Open Tool finance

EMI Calculator

Client-Side

Calculate home, car and personal loan EMI instantly — monthly payment, total interest and full amortization schedule. Free, accurate and 100% in-browser.

Open Tool finance

Interest Calculator

Client-Side

Calculate simple and compound interest on any principal, rate and tenure. Choose yearly, half-yearly, quarterly or monthly compounding. Free and 100% private.

Open Tool finance

Tax & GST Calculators

Estimate income tax, add or remove GST, and plan HRA and gratuity for FY 2026-27.

Income Tax Calculator

Client-Side

Estimate FY 2026-27 income tax under new and old regimes — slabs, rebate, surcharge, marginal relief and cess. Free and private.

Open Tool finance

GST Calculator

Client-Side

Calculate GST (CGST, SGST/IGST and total) instantly — exclusive or inclusive. Free, accurate and works entirely in your browser.

Open Tool finance

Reverse GST Calculator

Client-Side

Remove GST from a total amount instantly — work out the pre-GST value, the GST component and CGST/SGST split at 5%, 12%, 18% or 28%. Free, accurate and private.

Open Tool finance

HRA Exemption Calculator

Client-Side

Calculate the tax-exempt portion of your House Rent Allowance. Uses the Section 10(13A) rules with metro and non-metro limits. Free and 100% private.

Open Tool finance

Gratuity Calculator

Client-Side

Calculate the gratuity you receive on leaving your job — last basic + DA × 15/26 per completed year, capped at ₹20 lakh. Free and 100% private.

Open Tool finance

Savings & Investment Calculators

Project maturity values and returns for SIP, FD, RD and PPF in your browser.

SIP Calculator

Client-Side

Calculate the maturity value of your monthly SIP investments. See total invested vs estimated gains at any return rate. Free and 100% in-browser.

Open Tool finance

FD Calculator

Client-Side

Calculate your Fixed Deposit maturity value and interest earnings with quarterly compounding. Free, instant and 100% private — runs in your browser.

Open Tool finance

RD Calculator

Client-Side

Calculate your Recurring Deposit maturity value and interest with quarterly compounding. Free, instant and 100% private — runs entirely in your browser.

Open Tool finance

PPF Calculator

Client-Side

Calculate your PPF maturity value, tax-free interest and total deposits. Based on the current 7.1% rate. Free, instant and 100% private.

Open Tool finance

Popular Across UtilNest

GST Calculator

Client-Side

Calculate GST (CGST, SGST/IGST and total) instantly — exclusive or inclusive. Free, accurate and works entirely in your browser.

Open Tool finance

Home Loan EMI Calculator

Client-Side

Calculate home loan EMI for India instantly — monthly payment, total interest and full amortization schedule for any tenure. Free, private and in-browser.

Open Tool finance

Income Tax Calculator

Client-Side

Estimate FY 2026-27 income tax under new and old regimes — slabs, rebate, surcharge, marginal relief and cess. Free and private.

Open Tool finance

JPG to PNG Converter

Client-Side

Convert JPG or JPEG images to PNG online for editing, sharing and compatibility. Free, private and browser-based.

Open Tool image

About finance tools on UtilNest

All finance tools on UtilNest are free, run instantly inside your web browser memory, and never upload your sensitive data. Whether you're a student, professional, or business owner in India, you can rely on accurate results with no sign-up required.

Are all finance tools on UtilNest 100% free?

Yes, every finance tool on UtilNest is completely free to use with zero registration, subscription fees, or hidden limits.

Does UtilNest store my data when using finance tools?

No. All finance processing happens locally inside your web browser. Your inputs and files never leave your device.

Can I use finance tools on mobile phones?

Yes. All finance tools are touch-optimized and fully responsive across smartphones, tablets, and desktop computers.