Finance Tools

Free Online Finance Calculators — Make Smarter Money Decisions

Whether you're taking out a loan, splitting a restaurant bill, or planning a trip abroad, having the right numbers at your fingertips helps you make better financial decisions. Our free finance tools — including a loan EMI calculator, tip and bill splitter, and currency converter — give you instant, accurate results with no sign-up required.

Loan EMI Calculator — Know Your Monthly Payment Before You Borrow

Taking on a loan without knowing your monthly payment is a common financial mistake. Our loan EMI calculator (Equated Monthly Instalment) lets you enter any loan amount, interest rate (annual), and tenure in months or years to instantly see your monthly repayment, total interest payable, and total amount repaid. It uses the standard amortisation formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P is the principal, R is the monthly interest rate, and N is the number of months. This tool is useful for home loans, car loans, personal loans, and education loans. Comparing multiple scenarios (e.g., a higher down payment vs. a shorter tenure) takes just seconds.

Tip Calculator — Split Bills and Calculate Tips Instantly

Splitting a bill at a restaurant or calculating how much to tip your server shouldn't require mental arithmetic. Our tip and bill splitting calculator lets you enter the bill amount, choose a tip percentage (or enter a custom amount), and split the total between any number of people. It shows individual shares instantly, making it perfect for group dining, coffee runs, or any shared expense. The calculator also shows the total tip amount so you can factor it into your decision on percentage.

Currency Converter — Quick Exchange Rate Estimates

Planning a trip, shopping from an international retailer, or sending money abroad? Our currency converter supports 15 major world currencies and gives you a quick exchange rate estimate. Whether you need to convert USD to INR, GBP to EUR, or AUD to JPY, the tool gives you an instant reference figure. Note that for large financial transactions you should always check live rates from your bank or a regulated forex provider, as exchange rates fluctuate throughout the day.

Budgeting Tips for Everyday Savings

The most powerful financial tool isn't a calculator — it's a habit. Knowing your monthly loan payments, tracking what you spend on dining, and being aware of exchange rates when you travel are all small disciplines that compound into significant financial wellbeing over time. Pair these tools with our health calculators and home improvement estimators to plan your personal and household projects holistically. Browse all tools on civvy.tech.