FINBIZTOOLS
Global Finance, Business & Utility Tools
Use free calculators and utilities designed around formulas and workflows that are not limited to a single country’s tax or regulatory system.
All global tools
Finance
SIP Calculator
Estimate the growth of regular monthly investments.
Open CalculatorStep-Up SIP Calculator
Project growing monthly investments with an annual SIP increase.
Open CalculatorLumpsum Calculator
Estimate compound growth of a one-time investment.
Open CalculatorCAGR Calculator
Find the annualized growth rate between an initial and final value.
Open CalculatorXIRR Calculator
Calculate annualized returns from dated investments and receipts.
Open CalculatorEMI Calculator
Understand monthly loan payments and total interest.
Open CalculatorHome Loan EMI Calculator
Plan home loan payments, interest and annual outstanding balances.
Open CalculatorPersonal Loan EMI Calculator
Explore personal loan EMI, total interest and repayment schedules.
Open CalculatorCompound Interest Calculator
Calculate how a principal grows with compound interest, with a choice of compounding frequency and an optional recurring contribution.
Open CalculatorInvestment Growth Calculator
Project how a starting amount plus regular monthly contributions could grow at an assumed annual return, with a year-by-year breakdown.
Open CalculatorSavings Goal Calculator
Work out the monthly contribution needed to reach a savings target, given your current savings and an assumed annual return.
Open CalculatorROI Calculator
Calculate return on investment from an initial cost and a final value, including gain or loss and the ROI percentage.
Open CalculatorInflation Calculator
Estimate the future equivalent cost of an amount today under an assumed constant annual inflation rate, and its purchasing power if held as cash.
Open CalculatorGeneral Loan Calculator
Calculate the monthly payment on any loan, and see how much time and interest an optional extra monthly payment could save.
Open CalculatorAuto Loan Calculator
Estimate a car loan's monthly payment from the vehicle price, down payment, trade-in value and sales tax, with total interest and total cost.
Open CalculatorCredit Card Payoff Calculator
Find out how many months it will take to pay off a credit card balance at a fixed monthly payment, and the total interest you will pay.
Open CalculatorDebt Payoff Calculator
Compare the snowball (smallest balance first) and avalanche (highest rate first) strategies for paying off multiple debts, with total months and interest for each.
Open CalculatorLoan Comparison Calculator
Compare up to three loan offers side by side — monthly payment, total interest and total cost including fees — to see which is cheapest.
Open CalculatorMortgage Payment Calculator
Estimate your mortgage principal-and-interest payment from a property price, down payment, rate and term, plus an optional total housing payment with tax and insurance.
Open CalculatorMortgage Affordability Calculator
Estimate an affordable mortgage amount and property price from your income, existing debt and a housing-budget ratio you choose. Not a lending decision.
Open CalculatorMortgage Amortization Calculator
See how a mortgage payment splits between principal and interest every year, with a full amortization schedule down to a zero balance.
Open CalculatorMortgage Extra Payment Calculator
See how an extra monthly payment on a mortgage could reduce the payoff time and total interest, calculated month by month, not estimated.
Open CalculatorMortgage Refinance Calculator
Compare your current mortgage with a proposed refinance, including the payment difference, lifetime interest and an estimated break-even period.
Open CalculatorRent vs Buy Calculator
Compare the estimated long-term net financial position of renting versus buying a home, with transparent, fully editable assumptions.
Open CalculatorBusiness
Profit Margin Calculator
Calculate profit and margin, or find a price for a target margin.
Open CalculatorMarkup Calculator
Calculate a price from markup or find markup from cost and price.
Open CalculatorBreak-Even Calculator
Find the sales volume and revenue needed to cover entered costs.
Open CalculatorProfit Calculator
Calculate business profit or loss from revenue and cost.
Open CalculatorPricing Calculator
Calculate a selling price from cost and a target margin or markup.
Open CalculatorDiscount Calculator
Calculate the discount amount and final price, or find a discount percentage.
Open CalculatorCommission Calculator
Calculate sales commission and net amount from a transaction and rate.
Open CalculatorRevenue Growth Calculator
Calculate revenue growth or decline between two periods.
Open CalculatorMRR Calculator
Track monthly recurring revenue movements: new, expansion, churned and contraction MRR.
Open CalculatorARR Calculator
Calculate annual recurring revenue from MRR, or from customers and average annual contract value.
Open CalculatorARPU Calculator
Calculate average revenue per user or customer for a period.
Open CalculatorChurn Calculator
Calculate customer churn rate or revenue churn rate for a period.
Open CalculatorCAC Calculator
Calculate customer acquisition cost from sales and marketing spend.
Open CalculatorLTV Calculator
Calculate customer lifetime value from ARPU, gross margin and churn rate or average lifespan.
Open CalculatorLTV:CAC Calculator
Calculate the LTV:CAC ratio from an entered lifetime value and acquisition cost.
Open CalculatorBurn Rate Calculator
Calculate gross and net monthly burn rate from operating expenses and revenue.
Open CalculatorRunway Calculator
Calculate how many months of cash remain at the current net burn rate.
Open CalculatorCTR Calculator
Calculate click-through rate from clicks and impressions.
Open CalculatorCPC Calculator
Calculate cost per click from ad spend and clicks.
Open CalculatorCPM Calculator
Calculate cost per 1,000 impressions from ad spend and impressions.
Open CalculatorConversion Rate Calculator
Calculate conversion rate from conversions and visitors or clicks.
Open CalculatorROAS Calculator
Calculate return on ad spend and ROI from ad revenue and ad spend.
Open CalculatorEmail Open Rate Calculator
Calculate email open rate, and click-to-open rate if you track email clicks.
Open CalculatorHourly Rate Calculator
Calculate the hourly rate needed to reach a desired annual income from billable hours and expenses.
Open CalculatorFreelance Project Quote Calculator
Calculate a project quote from estimated hours, hourly rate, fixed expenses and a target profit margin.
Open CalculatorDay Rate Calculator
Calculate a day rate from an hourly rate and billable hours per day.
Open CalculatorLate Payment Fee Calculator
Calculate late payment interest and the total now due from an overdue invoice amount and rate.
Open CalculatorRetainer Calculator
Calculate a monthly retainer fee from committed hours, hourly rate and an optional retainer discount.
Open CalculatorBusiness Expense Calculator
Summarize expense entries by category and month without storing them.
Open CalculatorCash Flow Calculator
Compare inflows and outflows to estimate the closing cash balance.
Open CalculatorInventory / Stock Calculator
Estimate available units, closing stock and values at an assumed unit cost.
Open CalculatorReceipt Generator
Create a simple record of an entered payment and download it locally.
Open GeneratorAOV Calculator
Calculate average order value from total revenue and number of orders.
Open CalculatorShipping Cost Calculator
Estimate shipping cost from a base rate, a per-kg rate, weight and an optional surcharge.
Open CalculatorE-commerce Profit Calculator
Calculate profit per order after product cost, shipping, payment fees and ad cost.
Open CalculatorBreak-Even ROAS Calculator
Calculate the break-even return on ad spend from your gross margin.
Open CalculatorCart Abandonment Calculator
Calculate cart abandonment rate from carts created and completed purchases.
Open CalculatorInternational Invoice Generator
Create an itemized invoice in any currency with a flat tax rate per line and a local PDF download.
Open GeneratorInternational Quotation Generator
Create an itemized price estimate or formal quotation in any currency with validity dates and a local PDF download.
Open GeneratorInternational Receipt Generator
Create a clean payment acknowledgement receipt in any currency with payer details, payment method and local PDF download.
Open GeneratorProforma Invoice Generator
Create an itemized proforma invoice in any currency prior to shipment or delivery with validity dates and local PDF download.
Open GeneratorDocuments
Image Compressor
Compress JPG, PNG and WebP images directly in your browser without quality loss.
Open ToolImage Resizer
Resize image dimensions online with aspect ratio lock and standard presets.
Open ToolImage Cropper
Crop images to custom or standard aspect ratios with touch and rotate support.
Open ToolJPG to PDF
Convert multiple JPG, PNG or WebP images into a single organized PDF document.
Open ToolPDF to JPG
Convert PDF pages into high-resolution JPG images with page selection.
Open ToolPDF Compressor
Reduce PDF file size in your browser by optimizing streams and structure.
Open ToolMerge PDF
Combine multiple PDF files into one complete document in your chosen order.
Open ToolSplit PDF
Extract pages or split a PDF into separate files using custom page ranges.
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What are Global Tools?
Global Tools use calculations and workflows that can generally be used in any country, such as loan repayment maths, investment growth, business margins and PDF or image utilities. They do not apply a specific country’s tax rules.
Global vs India-specific tools
Global tools are reusable calculations. India-specific tools depend on Indian financial products, tax systems or regulations, so they are listed separately.
Frequently asked questions
Are these calculators really free?
Yes. Every tool listed here is free and needs no registration or login.
Do these tools work outside India?
The tools on this page use general formulas and do not apply any country’s tax rules, regulations or financial products, so you can use them with amounts in any currency. Results are simple estimates and do not include local taxes, fees or regulations.
Which currency do results show?
Calculators that offer it have a Currency selector (USD, EUR, GBP, INR, CAD, AUD, JPY, SGD and AED). It changes the currency symbol and number format only: your amounts are never converted and no exchange rates are used. INR is shown until you choose another currency. Document tools have no currency.
Where are India-specific tools?
Tools that rely on Indian tax rules, regulations or products, such as GST, PPF, NPS, Income Tax and the GST invoice and quotation generators, are listed on the India Tools page.
Disclaimer
Results are informational estimates only. Verify important decisions with a qualified professional. See our Disclaimer.