Free Financial Calculator Tools — 100% Offline
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🔒 100% Offline & Private & Private • Financial Math & Audit

Financial & Accounting Utilities Suite

Evergreen, offline financial calculators and audit utilities. EMI schedules, depreciation tables, NPV/IRR, ratios, and voucher gap detectors with zero server load.

🏦 Banking & Loans
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Loan Amortization & EMI Schedule
Calculate loan EMI and generate a complete month-by-month repayment schedule (Principal vs Interest breakdown) exportable to CSV.
Build EMI Schedule →
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CAGR & Compound Interest
Calculate Compound Annual Growth Rate (CAGR) and Future Value of investments over time.
Calculate CAGR →
💼 Assets & Capital Budgeting
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Fixed Asset Depreciation (SLM & WDV)
Generate year-wise depreciation schedules comparing Straight Line Method (SLM) vs Written Down Value (WDV).
Calculate Depreciation →
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NPV & IRR Capital Budgeting
Compute Net Present Value (NPV) and Internal Rate of Return (IRR) for multi-year project cash flows.
Calculate NPV & IRR →
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Break-Even Point & Margin of Safety
Calculate Break-Even Sales Volume, Revenue, and Margin of Safety percentage from fixed & variable costs.
Calculate Break-Even →
🔍 Audit, Stock & Financial Health
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Invoice Sequence & Missing Voucher Finder
Audit tool for invoice series: detects missing voucher numbers, gaps, and duplicate numbers during tax audit prep.
Audit Voucher Sequence →
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Inventory Valuation (FIFO & Weighted Avg)
Calculate closing stock valuation under FIFO (First-In, First-Out) and Weighted Average Cost methods.
Value Closing Stock →
🩺
Financial Ratios & Health Checker
Analyze Current Ratio, Quick Ratio, Debt-to-Equity, and Profitability Ratios with financial health status badges.
Analyze Ratios →
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Working Capital Estimator
Estimate required working capital buffer based on inventory, debtors, and creditors holding periods (CMA Data Helper).
Estimate Working Capital →
🎁
Statutory Gratuity Calculator
Calculate statutory gratuity with customizable multiplier rates and statutory ceiling caps.
Calculate Gratuity →
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HRA Tax Exemption Calculator
Compute exempt and taxable HRA under Sec 10(13A) with customizable rule percentages.
Calculate HRA →
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PF & ESI Monthly Breakdown
Compute Employee & Employer PF/ESI contributions with customizable statutory rates and caps.
Calculate PF & ESI →
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Advance Tax Quarter Estimator
Estimate quarterly advance tax installments with customizable due dates and percentage targets.
Estimate Advance Tax →
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Capital Gains Tax Estimator
Estimate Short-Term vs Long-Term capital gains tax with editable statutory tax rates.
Calculate Capital Gains →
🧾
GST Invoice Rounding-Off
Calculate statutory Rule 54 rounding-off adjustments for invoice line item totals.
Calculate Rounding →