EMI, SIP, BMI, home loan, calorie, sleep, salary, tax savings — 17 free tools, instant results, no sign-up ever.
Check if any purchase fits your monthly budget. Uses the 30% rule with your income, expenses, and EMI estimate.
Calculate monthly EMI for home loan, car loan, personal loan, or education loan. Includes amortisation schedule.
Find out how much your monthly mutual fund SIP grows over 5, 10, 20 years with compounding. Step-up SIP supported.
Get your debt-free date using avalanche or snowball method. Supports multiple loans with a monthly repayment plan.
How long to save ₹X? Plan for your emergency fund, car, travel, or wedding with a savings timeline and target date.
Is renting or buying a home better for you? Compare total costs over time including EMI, appreciation, and opportunity cost.
Find the maximum home loan you qualify for based on income, existing EMIs, and bank FOIR norms.
Estimate total relocation cost — packers & movers, security deposit, brokerage, and home setup expenses.
Plan monthly budget using the 50-30-20 rule. Track needs, wants, and savings to find your monthly surplus.
Calculate Body Mass Index using kg and cm. Find your BMI category, ideal weight range, and personalised health tips.
Find your BMR, TDEE, and daily calorie target to lose, maintain, or gain weight based on your activity level.
What time should you wake up or sleep? Calculate ideal times based on 90-minute sleep cycles for maximum rest.
How much water should you drink per day? Get your daily requirement in litres and glasses based on weight and climate.
Is your raise worth it? Calculate new take-home pay after increment, real % increase after inflation, and tax impact.
What hourly or project rate do you need as a freelancer? Find your minimum rate after tax and business expenses.
Maximise Section 80C deductions — PPF, ELSS, LIC, NPS. Calculate exact income tax saved this financial year.
Know where you stand — total assets minus liabilities gives your true financial picture with a wealth health score.
WorthX Calculators is a free collection of online tools covering personal finance, home buying, health, and career planning. Whether you need an EMI calculator for your home loan, want to find out how much your SIP will grow, or simply want to know your BMI — every tool here gives you an instant, honest answer.
All calculations happen directly in your browser. Nothing you enter is stored, shared, or tracked. No account, email address, or subscription needed — these tools are completely free, supported by non-intrusive ads.
Our EMI calculator helps you calculate your equated monthly instalment for any loan type — home loan, car loan, personal loan, or education loan. Just enter the loan amount, interest rate, and tenure to get your monthly EMI, total interest payable, and a full amortisation schedule. Our SIP return calculator uses monthly compounding to show how a small monthly investment grows into significant wealth over 10, 15, or 20 years — including a step-up SIP option that mirrors annual salary increments. Use the savings goal calculator to answer the classic question: "how long will it take me to save ₹X?" And the debt payoff calculator gives you a concrete month-by-month plan to become debt-free using either the avalanche or snowball method.
The home loan eligibility calculator uses Indian bank FOIR norms to tell you the exact maximum loan amount you qualify for — based on your income and existing EMIs. The rent vs buy calculator compares the true total cost of renting versus buying a property over time, including opportunity cost of the down payment invested in equity. Our moving cost estimator covers packers and movers charges, security deposit, brokerage, and setup costs so you know your total relocation budget before you move. The household budget planner uses the 50-30-20 rule to show your monthly surplus or deficit across needs, wants, and savings.
Our BMI calculator computes your Body Mass Index from height and weight in kg and cm, with results compared against both standard WHO ranges and adjusted Asian/Indian cutoffs. The calorie deficit calculator calculates your BMR using the Mifflin-St Jeor formula and multiplies by an activity factor to find your TDEE — then subtracts your chosen deficit for a daily calorie target. The sleep calculator uses 90-minute sleep cycle science to tell you the ideal time to wake up or go to sleep. The water intake calculator estimates your daily hydration requirement in litres and glasses, adjusted for weight, activity, and climate.
The salary hike calculator shows your new monthly take-home pay after an increment, the real percentage increase after inflation, and the income tax impact under both new and old tax regimes. The freelance rate calculator works out the minimum hourly and per-project rate you need to charge to cover your income goal, business expenses, and tax provision. Our Section 80C tax savings calculator tracks your deductions across EPF, PPF, ELSS, LIC, NPS, and home loan principal — showing exactly how much income tax you'll save for FY 2025-26. The net worth calculator adds up all assets (savings, mutual funds, property, gold, EPF) and subtracts all liabilities to reveal your true financial picture.
WorthX Calculators is a free collection of personal finance and lifestyle tools built for people who want clear, honest answers to everyday money and health questions — without signing up, downloading an app, or wading through ads. Every tool is built on established formulas used by banks, financial planners, and health organisations worldwide.
The site covers four areas: personal finance (EMI, SIP, savings, debt), home and life (rent vs buy, home loan, budget, moving), lifestyle and wellness (BMI, calories, sleep, water), and career and money (salary, freelance rates, tax savings, net worth). All calculations run in your browser — no data is ever stored or shared.
WorthX Calculators is a product of WorthX Technologies.