Accurate Paisa
Calculator directory

One useful place for every Indian calculation.

Browse 55 working tools for insurance, credit cards, loans, investments, employment and online selling. Each calculator explains its formula, assumptions and common mistakes.

Practical card finder

Enter monthly expenses. See which card may return the most value.

We test the same annualised expenses across every automatic card profile, apply supported reward caps and fee waivers, then subtract annual fees and GST.

Use only normal expenses that you can repay in full. You can refine marketplace and brand-level spending on the next screen.

Health-policy system sample

See benefits, limits, rating math and claim exposure on one policy page.

The HDFC ERGO my: Optima Secure sample separates single-claim capacity from the advertised cover stack and runs an anonymous hospital-bill estimate without collecting health or policy data.

12 toolshealth decision systemOpen health tools →Open sample policy →

Credit-card decision toolkit

Savings are only half the card calculation.

Check repayment, renewal, international conversion, exclusions, rule changes and urgent disputes without uploading a statement.

01Minimum due trapRepayment time, interest and GST 02Keep, downgrade or closeAnnual value before renewal 03Card change trackerSource-linked rule history 04Forex vs DCCTotal international conversion cost 05Reward eligibilityExclusions with profile evidence 06Emergency & dispute helpOfficial action and escalation links
Open the complete card tools hub →

⌂

Loans & EMI

Understand instalments and borrowing cost.

1 tool
EMI CalculatorCalculate monthly loan EMI, total interest and total repayment using the standard reducing-balance formula.→
▣

Credit Cards

Compare rewards with annual fees, EMI and repayment costs.

12 tools
Credit Card EMI vs Full Payment CalculatorSee whether a card EMI saves money or costs more after interest, processing fees, GST, discounts and rewards.→Compare annual card valueCompare annual rewards, fees and supported redemption routes.→Annual plan & fee waiverPlan annual spending and track fee-waiver progress.→Best card for a purchaseChoose a card for one payment after fees.→Find lounge benefitsFind documented airport lounge benefits.→Compare points transfersEstimate value from an eligible transfer.→Minimum due trapUnderstand repayment time, interest and GST.→Keep, downgrade or closeCompare your card’s recurring value with its costs.→Forex versus DCCCompare international payment conversion costs.→Check reward eligibilityCheck categories, exclusions and rule evidence.→Card emergency & dispute helpFind official urgent help and escalation routes.→Card rule changesRead source-linked changes and effective dates.→
↗

Investments

Project goals while keeping risk assumptions visible.

1 tool
SIP CalculatorEstimate how consistent monthly mutual fund investments may grow over time.→
%

GST & Business

Indian business and tax calculations.

2 tools
GST CalculatorAdd GST to a taxable value and see the CGST/SGST or IGST amount.→Margin & Markup CalculatorCalculate gross profit, margin and markup for a product or service.→
◫

Bank Deposits

Estimate deposit and compound growth.

2 tools
Fixed Deposit CalculatorEstimate fixed-deposit maturity value and interest earned.→Compound Interest CalculatorSee how principal grows when interest is reinvested over time.→
◆

Government Savings

Plan long-term government-backed savings.

1 tool
PPF CalculatorProject a Public Provident Fund balance from annual contributions and an editable interest rate.→
▤

Salary & Employment

Understand employment benefits.

1 tool
Gratuity CalculatorEstimate gratuity from last-drawn eligible monthly wages and service.→
◉

Insurance

Claim exposure, room limits, co-pay, restoration, cover needs and policy returns.

19 tools
Term Insurance Cover CalculatorEstimate the additional life cover needed to replace income, clear liabilities and fund important family goals.→Health Insurance Cover CalculatorProject a major hospitalisation cost with medical inflation and estimate the gap above existing health cover.→Health Insurance Policy Reality CheckTurn health-policy clauses into a claim-wise estimate of what insurers may pay and what your family may have to fund.→Family Floater vs Individual Health Insurance CalculatorCompare quoted premiums and available cover for one shared family floater versus separate individual policies.→Health Insurance Deductible & Co-pay CalculatorEstimate insurer payment and your out-of-pocket cost after admissibility, deductible, co-payment, sub-limit and sum insured.→Insurance Premium & GST CalculatorCalculate the payable premium using an editable GST rate and compare it with the earlier 18% tax benchmark.→Life Insurance Return (IRR/XIRR Estimate) CalculatorEstimate the annualised return from recurring premiums, annual money-back benefits and a final maturity amount.→Endowment & Money-back Maturity CalculatorEstimate maturity value from the stated base benefit, reversionary bonus, final bonus and earlier money-back payments.→ULIP Charges & Net Return CalculatorProject a ULIP fund value after premium allocation, administration, mortality and fund-management charges.→Vehicle Insurance IDV CalculatorEstimate insured declared value from the listed vehicle price, age-based depreciation and insured accessories.→Life Insurance Policy Surrender Value CalculatorEstimate guaranteed surrender value using the eligible premium and vested-bonus factors shown in the policy.→Compare two policy scenariosManual comparison using your policy terms.→Plan health cover structureEstimate cover needs, base cover and top-up structure.→Policy portability checklistCheck continuity, waiting periods and transfer steps.→Claim assistance guideUnderstand documentation and official escalation routes.→Room-rent Limit Impact CalculatorEstimate the room shortfall and possible proportionate reduction when the selected hospital room costs more than the policy limit.→Health Insurance Super Top-up CalculatorEstimate how base cover, the remaining aggregate deductible and super top-up may share an admissible hospital bill.→Health Insurance Renewal ComparisonCompare the premium and estimated claim exposure under your current policy terms and a renewal offer.→Health Insurance Waiting-period PlannerTurn policy start date and waiting periods into simple eligibility dates without entering a diagnosis or medical history.→
₹

Seller Tools

Profit, settlement, fees, shipping and advertising decisions.

16 tools
Amazon India Fee & Profit CalculatorEstimate marketplace fees, expected settlement, profit and margin for one Amazon India order.→Flipkart Fee & Profit CalculatorEstimate marketplace fees, expected settlement, profit and margin for one Flipkart order.→Meesho Fee & Profit CalculatorEstimate marketplace fees, expected settlement, profit and margin for one Meesho order.→Myntra / AJIO Fee & Profit CalculatorEstimate marketplace fees, expected settlement, profit and margin for one Myntra / AJIO order.→WooCommerce Profit CalculatorCalculate true per-order WooCommerce profit after product, payment, shipping, software and advertising costs.→Shopify India Profit CalculatorCalculate true per-order Shopify India profit after product, payment, shipping, software and advertising costs.→Marketplace Settlement CalculatorEstimate the amount a marketplace may settle after commission, fees, tax deductions and reserves.→GST-inclusive Product Price CalculatorSet a target margin on product cost and calculate the final customer price including GST.→Payment Gateway Fee CalculatorCalculate processing charges, GST on the fee and the expected bank settlement.→COD vs Prepaid Profit CalculatorCompare expected profit per order for cash-on-delivery and prepaid payment methods.→RTO Loss CalculatorEstimate monthly return-to-origin losses from failed e-commerce deliveries.→Break-even ROAS CalculatorFind the minimum return on ad spend needed before an order starts losing money.→Product Margin & Markup CalculatorCalculate unit profit, margin, markup and the break-even selling price.→Discount Profit CalculatorSee how a discount changes selling price, profit and margin after variable fees.→Shipping Volumetric Weight CalculatorCompare dead and dimensional weight to estimate a shipment’s chargeable weight.→Import Duty & Landed Cost CalculatorEstimate assessable value, customs duties, import IGST and total landed cost.→

Choose by decision

Start with the money question you need to answer.

A calculator is most useful when it matches a real decision. Choose the closest starting point below, enter figures from your statement, quotation or seller dashboard, and then test at least one cautious scenario.

◉

What could my health policy actually pay?

Turn room limits, sub-limits, co-payment, restoration and top-up cover into a claim-wise rupee breakdown.

Check my health policy → ▣

Which credit card gives me more value?

Compare the same monthly spending across cards after supported rewards, milestones, annual fees and GST.

Compare credit cards → ⌂

What will this loan really cost?

See the monthly EMI, total repayment and interest instead of judging a loan only by its advertised rate.

Calculate loan EMI → ↗

How could regular investing grow?

Project a SIP with an editable return assumption, then reduce the rate to understand how sensitive the goal may be.

Project a SIP → ₹

Will this online order make a profit?

Include marketplace fees, shipping, advertising and a return reserve before treating a sale as profitable.

Check seller profit →

A better calculation habit

Three checks before trusting any result

Financial calculations can look exact even when an input is uncertain. Accurate Paisa keeps the formula and assumptions visible so you can understand what produced the answer rather than relying on one unexplained number.

  1. 1

    Use figures from the original source

    Enter the latest interest rate, fee, tax percentage, repayment term or selling cost from the relevant document. An old rate can make a perfectly correct formula produce the wrong decision.

  2. 2

    Run a cautious alternative

    Lower an investment-return assumption, increase seller returns or advertising cost, and include every loan or card fee. If a small change reverses the result, leave yourself a larger safety margin.

  3. 3

    Compare like with like

    Keep the spending, tenure and cost assumptions identical when comparing two products. For credit cards, rewards should be compared after fees—and never against interest from spending you cannot repay.

Calculator questions

What to know before you calculate

Every result is an estimate for planning and comparison. Product terms, tax treatment, eligibility and rates can change, so the latest official document or provider quotation remains the final reference.

Are the calculators free to use? +

Yes. You can run every public calculator without signing in. WhatsApp sign-in is optional and is used only when you want to save a calculation, revisit its inputs or compare a later scenario.

How accurate are the results? +

The calculation follows the formula and values displayed on the page. Accuracy therefore depends on the inputs and on whether a product has charges, exclusions or eligibility rules outside the model. Use the breakdown to check what is included.

Why are rates and percentages editable? +

Indian tax rules, card benefits, marketplace fees, deposit rates and loan offers can change. Editable fields let you use the figure that applies to your date, provider, state, category or account instead of relying on a fixed example.

Can I use a result as financial or tax advice? +

No. These tools help you estimate and compare. They do not replace a lender quotation, investment risk assessment, card issuer terms, GST filing, professional advice or an official settlement statement.