GintiCalc · Finance
Mortgages, loans, savings, and investing tools that turn numbers into decisions.
NetGain
What a second salary leaves the household after tax, childcare, commuting and withdrawn benefits.
TrueCommute
The full cost of office days in cash and hours, and the pre-tax pay rise that would offset it.
VatRoute
Cross-border digital VAT position, threshold check, and the filing saved by one scheme.
NexusWatch
Whether a state triggers economic nexus, and what multi-state compliance costs.
DayCount
Count days against the US Substantial Presence Test's 183-day threshold.
HomeLoan Pro
Estimate monthly payments with taxes, insurance, and amortization.
Property price, down payment, tenure — EMI, processing fee, and stamp duty & registration.
LoanLens
Compare loan terms and see total interest paid.
SaveSmart
Project growth from deposits and compounding interest.
ReturnLab
Annualized returns for any holding period.
NestEgg
Project your nest egg and monthly retirement income.
TipMate
Tip, split, and total — for any bill, any group size.
PayScope
Convert between hourly, weekly, monthly, and annual pay.
DebtZero
How long until you're debt-free — and what it'll cost.
TimeValue
What money from any year is worth today.
See how a lump sum grows with compounding interest.
Calculate flat interest on a principal over time.
Quickly estimate how long it takes an investment to double.
What a lump sum today will be worth years from now.
What a future lump sum is worth in today's dollars.
Annual dividend income as a percentage of share price.
Current yield from a bond's coupon and market price.
Net operating income as a percentage of property value.
Earnings before interest, taxes, depreciation, and amortization.
TaxTools
Add or back out value-added tax from a price.
Add or back out goods and services tax from a price.
Discount a series of future cash flows back to today.
Find the discount rate that makes NPV exactly zero.
Tax owed on the gain from selling an investment or asset.
Social Security and Medicare tax on self-employment income.
Annual property tax from assessed value and local tax rate.
Quick screening ratio: property price ÷ gross annual rent.
Required capital to open a leveraged trading position.
Project your 401(k) balance including employer match.
Profit or loss on a long call or put at expiration.
Project tax-free growth in a Roth IRA.
Project tax-deferred growth in a Traditional IRA.
AutoLoan Pro
Vehicle price, trade-in, sales tax, term — monthly payment.
On-road price, down payment, tenure — EMI using the reducing-balance formula Indian lenders use.
InvestSIP
Future value of a systematic investment plan (SIP) with monthly contributions.
DepositCalc
Maturity value of a fixed deposit with quarterly compounding.
Maturity value of a recurring deposit with monthly contributions and quarterly compounding.
PPFPlan
Maturity value of a Public Provident Fund account with yearly deposits.
SukanyaPlan
Maturity value of a Sukanya Samriddhi Yojana account — deposits for 15 years, maturity at 21.
GratuityCalc
Gratuity under the labour codes: 15 days' wages a year, the 50% wages rule, fixed-term staff after one year.
EPFPlan
Employee Provident Fund corpus projection with employee and employer contributions.
NPSPlan
National Pension Scheme corpus projection with monthly contributions until retirement.
HRAPlan
HRA exemption under Section 10(13A) — how much of your HRA is tax-free.
TaxCompare
Compare your tax under the new and old regimes — FY 2025-26 and FY 2026-27 slabs, with the ₹12 lakh rebate.
Ginti India
Monthly take-home pay from your CTC, before and under the labour codes that took effect on 21 November 2025.
What a price becomes under the GST rates in force from 22 September 2025, for cars, bikes, appliances and everyday goods.
Monthly rise and arrears from a dearness allowance or dearness relief increase for central government staff and pensioners.
What-if new basic pay and monthly pay under the 8th Central Pay Commission, at any fitment factor.
Compare the Unified Pension Scheme's assured payout with an NPS annuity and lump sum for central government employees.
CoinProfit
Profit, loss, and ROI on any crypto trade — fees included.
FireFly
When can you retire early? Find your FIRE number.
RentOrOwn
Compare the lifetime cost of renting vs buying a home.
AvgIn
Average cost basis across a series of buys.
GrowthCalc
Compound Annual Growth Rate — the smoothed annual return of an investment.
LoanReady
DTI ratio — total monthly debt payments divided by gross monthly income.
SalaryPlus
New salary after a percentage raise — annual, monthly, and per-paycheck.
RentBudget
Maximum rent you can afford based on income and the 30% rule.
HomePlanner
Down payment amount, loan size, and monthly payment for any home price.
DebtFree
How long to pay off a debt and total interest from balance, APR, and payment.
Maximum home price you can afford based on income, debts, and interest rate.
SafetyNet
Target emergency fund size and how long it takes to save it.
PayCalc
Take-home pay after federal tax, FICA, and state tax.
GoalSaver
Monthly savings needed to reach a target amount by a deadline.
BudgetSplit
Split your income using the 50/30/20 budgeting rule.
CapCost
Weighted average cost of capital from equity, debt, and tax inputs.
CashFlowDCF
Discounted cash flow valuation with terminal value (Gordon Growth).
Ginti US
The new federal deductions for tips (up to $25,000) and the overtime premium (up to $12,500, or $25,000 joint), with the phase-out and your tax saving.
The new $6,000 deduction for people 65 and over, how much of your Social Security is taxable, and the tax you save in 2026.
The new federal deduction for interest on a loan for a new, US-assembled vehicle: up to $10,000 a year for 2025 to 2028.
Estimate your federal refund for 2026, filed in 2027, with the new tips, overtime, car-loan and senior deductions and the $2,200 child tax credit.
Your monthly payment under the Repayment Assistance Plan that opened on 1 July 2026, with the interest waiver, principal match and 30-year forgiveness.
How a Trump Account could grow by age 18: the $1,000 government seed for children born 2025 to 2028, family and employer contributions up to $5,000 a year.
Your 2027 Social Security benefit after the 3.6% cost-of-living adjustment, and what you'd get after the Medicare Part B premium.
EduLoan
Monthly payment, total interest, and payoff schedule for student loans.
EquityCalc
Monthly payment and total interest for a home equity loan.
FHACalc
Monthly payment estimate for FHA-insured mortgages.
VACalc
Monthly payment estimate for VA-guaranteed home loans.
USDACalc
Monthly payment estimate for USDA rural development loans.
BuildCalc
Monthly payment estimate for construction-to-permanent loans.