Free Calculators
Simple, fast, accurate tools for investors, freelancers, and solopreneurs. No ads, no signup, no bloat — just the numbers you need to make smarter decisions.
Investment & Finance
SIP Calculator
Turn ₹5,000/month into ₹1Cr+. See how compounding silently multiplies your wealth over 10, 20, or 30 years.
FD & Lumpsum Calculator
Invest once, know exactly what you get back. Supports quarterly, monthly, and annual compounding with effective rate breakdown.
SIP vs Lumpsum
Same money, two strategies — which one wins? Side-by-side comparison with a year-by-year crossover chart and clear winner analysis.
Goal-Based Savings
Work backwards from your goal. "I need ₹1Cr in 15 years" → exactly how much to invest monthly. With goal presets for education, home & retirement.
Inflation Calculator
Your ₹10L today won't be ₹10L in 2035. See the real purchasing power of your money — and why savings accounts silently lose value.
Retirement Corpus Calculator
How much corpus do you need to retire comfortably? Enter your age, expenses and expected returns — get the number and the monthly SIP to hit it.
Loans & Tax
GST Calculator
Quote the right price, every time. Add or extract GST at any slab — with CGST, SGST, and IGST breakdown in one click.
Home Loan EMI Calculator
Know the true cost of your dream home. Principal + rate + tenure → exact EMI, total interest paid, and a full amortization table.
Personal Loan EMI Calculator
Before you sign, know your number. Monthly payment, total interest, and a clear pie chart — in seconds.
Income Tax Estimator
Old regime or new? Enter salary and deductions — instantly see which saves you more tax for FY 2024-25.
Late Invoice Interest
Client paying late? Enter invoice amount and due date — see days overdue, interest accrued, and total now payable.
ROI Calculator
Calculate ROI %, annualised return, and payback period — with a sensitivity table at different return levels.
Travel & Lifestyle
Multi-City Timezone Clock
Stop Googling "what time is it in NYC". See up to 8 cities live, with business-hour overlaps highlighted for scheduling international calls.
Multi-Currency Converter
Travel or invoice in multiple currencies? Fast, clean conversion between 31 currencies — no ads, no clutter.
Trip Expense Splitter
Group trip, group headache — solved. Enter shared expenses in any currency and see who owes whom in one base currency.
Travel Budget Estimator
Plan your trip budget by category, log actual expenses, and compare planned vs. spent — across multiple currencies.
Business & Freelance
Invoice Generator
Professional GST invoice in 60 seconds. IGST or CGST+SGST. Download as PDF. No account needed.
Hourly Rate Reverser
Don't guess your rate. Enter your target income, hours, tax & overhead — get the minimum hourly rate that makes it work.
Startup Runway Calculator
How long until you run out of money? Monthly burn by category + cash on hand → months of runway and burndown date.
Profit Margin Calculator
Revenue, COGS and overhead in — gross margin, net margin, markup % and break-even revenue out. With visual waterfall bars.
Break-Even Calculator
Fixed costs, variable cost per unit, selling price → break-even units, revenue and profit at multiple sales volumes.
Health & Fitness
BMI Calculator
Check your Body Mass Index instantly — metric or imperial. See your category, healthy weight range, and a visual scale.
Body Fat % Calculator
Go beyond BMI. Calculate actual body fat using the US Navy or BMI formula — with fat mass vs lean mass breakdown.
TDEE & Calorie Calculator
Your daily calorie maintenance, goal-based targets (cut, maintain, bulk), and macro split — using Mifflin-St Jeor.
Go beyond calculators
SparkyMinis tracks your real investments, invoices, expenses, and trips — all in one place. These tools are just a taste.
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