Free Online Calculators & Converters

40 quick, accurate tools for money, business and everyday maths, built for India. Every calculation runs in your browser, so nothing you type is stored.

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Finance (12)

Loan EMIs, investments, tax, salary and banking tools for India.

IFSC Code FinderFind any branch IFSC by bank, state, district and branch, or look up a code.EMI CalculatorMonthly instalment, total interest and year-wise schedule for any loan.Home Loan EMI CalculatorHome loan EMI from property value and down payment, plus EMI-to-income check.Car Loan EMI CalculatorCar loan EMI from on-road price and down payment, with total ownership cost.Personal Loan EMI CalculatorEMI plus processing fee, GST and the effective annual cost of the loan.SIP CalculatorFuture value of monthly SIPs or lumpsum investments, with annual step-up.FD CalculatorFixed deposit maturity value and interest for any compounding frequency.PPF CalculatorPublic Provident Fund maturity value at the current 7.1% rate.GST CalculatorAdd or remove GST at 5%, 18%, 40% or any rate, with CGST/SGST/IGST split.Income Tax CalculatorFY 2026-27 tax under old and new regime, side by side.Salary CalculatorMonthly take-home from your salary components, PF, professional tax and TDS.CTC to In-Hand CalculatorConvert your annual CTC into estimated monthly in-hand salary.

Business (16)

Margins, pricing, break-even, ratios and project profitability.

Profit Margin CalculatorGross profit, margin % and markup % from cost and selling price.Markup CalculatorSelling price from cost and markup %, or markup from cost and price.Markup vs Margin CalculatorConvert markup to margin and back, with a quick reference table.Break-Even CalculatorUnits and sales needed to cover fixed costs, plus target-profit volume.ROI CalculatorReturn on investment % and annualised ROI for any investment.Revenue Growth CalculatorPeriod-over-period growth, average growth and CAGR from a revenue series.Cost Per Unit CalculatorUnit cost from fixed and variable costs, with profit per unit.Budget Variance CalculatorBudget vs actual for up to 8 lines, with favourable/adverse flags.Project Profitability CalculatorProject margin after labour, direct costs and overhead allocation.Billable Hours CalculatorAvailable and billable hours, utilisation and billable revenue.Hourly Rate CalculatorFreelancer or consultant rate needed to hit your income goal.Working Capital CalculatorNet working capital and ratios from current assets and liabilities.Current Ratio CalculatorCurrent ratio with a plain-English liquidity reading.Quick Ratio CalculatorAcid-test ratio: liquid assets against current liabilities.CAGR CalculatorCompound annual growth rate between two values, or future value at a CAGR.Discount CalculatorSale price after one or two discounts, or the % off from two prices.

Everyday (6)

Handy calculators for dates, age, percentages, fuel and electricity.

Age CalculatorExact age in years, months and days, and days to the next birthday.Percentage CalculatorX% of Y, what percent, percentage change and increase/decrease.Date Difference CalculatorDays, weeks, months and years between two dates.Working Days CalculatorBusiness days between dates, excluding weekends and holidays.Fuel Cost CalculatorTrip fuel cost, litres needed and cost per km and per person.Electricity Bill CalculatorEstimate your bill from units and your state’s slab tariff.

Converters (6)

Currency, length, weight, temperature, area and data units.

Currency ConverterLive exchange rates for INR, USD, AED, EUR, GBP and 30+ currencies.Length ConverterMetres, feet, inches, km, miles and more.Weight Converterkg, grams, pounds, ounces, tola, quintal and more.Temperature ConverterCelsius, Fahrenheit and Kelvin.Area ConverterSq ft, sq m, gaj, acre, hectare, cent, guntha.Data Storage ConverterBytes, KB, MB, GB, TB, and binary KiB, MiB, GiB.

About PB Lab tools

PB Lab's calculators are designed to be quick and transparent. Each tool shows the formula it uses, a worked example and answers to common questions, so you can check the numbers yourself. Finance tools follow Indian rules, including FY 2026-27 income tax slabs, GST 2.0 rates and current small-savings rates, and use Indian number formatting (lakh and crore).

Results are estimates for planning. For major financial decisions, confirm the figures with your bank, employer or a qualified professional.