Free Financial Tools
That Actually Work
Mortgage, retirement, tax and loan calculators for the US, UK, Canada and India.
No signup. No limits. Just results.
80+ Free Financial Tools
Organised by country: the United States, the United Kingdom, Canada and India, plus everyday calculators that work anywhere.
Featured
Mortgage Calculator
Full PITI with amortization. 2026 US rates.
Use Tool →401(k) Calculator
Employer match, catch-up, projected balance.
Use Tool →Roth IRA Calculator
Tax-free growth projection. 2026 limits.
Use Tool →Stamp Duty (SDLT)
2026/27 rates. First-time buyer relief.
Use Tool →National Insurance
Class 1 & 4 NIC 2026/27. Employee & self-employed.
Use Tool →UK Pension Calculator
Workplace + State Pension forecast.
Use Tool →United States US dollar
Retirement, mortgage & debt
Mortgage Calculator
Full PITI with amortization. 2026 US rates.
Use Tool →401(k) Calculator
Employer match, catch-up, projected balance.
Use Tool →Roth IRA Calculator
Tax-free growth projection. 2026 limits.
Use Tool →Student Loan Calculator
Standard, IDR, PSLF repayment plans.
Use Tool →Credit Score Simulator
FICO factors: payment, utilization, history.
Use Tool →HSA Calculator
Triple tax advantage. 2026 limits.
Use Tool →Debt Payoff Planner
Snowball vs Avalanche strategy comparison.
Use Tool →Coast FIRE Calculator
When to stop saving and let compound growth work.
Use Tool →RMD Calculator
Required Minimum Distribution 2026.
Use Tool →Backdoor Roth Calculator
Pro-rata rule analysis for high earners.
Use Tool →United Kingdom Pound sterling
Property, pension & National Insurance
Stamp Duty (SDLT)
2026/27 rates. First-time buyer relief.
Use Tool →National Insurance
Class 1 & 4 NIC 2026/27. Employee & self-employed.
Use Tool →UK Pension Calculator
Workplace + State Pension forecast.
Use Tool →Buy-to-Let Yield
Rental yield, cash flow, Section 24 impact.
Use Tool →Canada Canadian dollar
Mortgage
Everyday calculators work in any country
Age Calculator
Exact age in years, months, days. Age difference.
Use Tool →BMI Calculator
Body Mass Index with Indian & WHO standards.
Use Tool →Unit Converter
Length, weight, temperature, speed, area, volume.
Use Tool →Date Difference
Days between dates, working days, weekends.
Use Tool →Currency Converter
INR to USD, EUR, GBP. 33+ currencies.
Use Tool →Percentage Calculator
Calculate %, marks %, CGPA to %, % change.
Use Tool →Study Hours Planner
Exam preparation schedule generator.
Use Tool →India Indian rupee
Tax & Compliance
GST Calculator
CGST, SGST & IGST breakdown. All slabs.
Use Tool →Income Tax Calculator
Old vs new regime FY 2026-27.
Use Tool →TDS Calculator
All sections 192–194J.
Use Tool →Capital Gains Tax
STCG/LTCG with indexation.
Use Tool →HSN Code Finder
Search HSN code & GST rate. 135+ codes.
Use Tool →Property Capital Gains
LTCG with Sec 54/54EC exemptions.
Use Tool →Crypto Tax Calculator
30% flat tax + 1% TDS on crypto.
Use Tool →Rental Income Tax
Tax on Airbnb & rental income.
Use Tool →HUF Tax Calculator
Separate PAN, exemption, 80C for HUF.
Use Tool →NRI Tax Calculator
DTAA, Section 195, NRI tax slabs.
Use Tool →Professional Tax
State-wise PT rates for all states.
Use Tool →IT Refund Status
Check ITR refund on e-Filing portal.
Use Tool →Salary & Payroll
Salary Breakup / CTC
CTC to in-hand with PF, ESI, TDS.
Use Tool →EPF Calculator
Provident Fund maturity with interest.
Use Tool →Payroll Calculator
Gross to net with all deductions.
Use Tool →HRA Exemption
Section 10(13A) metro & non-metro.
Use Tool →Leave Encashment
Section 10(10AA) exemption calc.
Use Tool →Full & Final Settlement
FnF with gratuity, leave, notice.
Use Tool →Employee Cost Calculator
Total cost per employee for startups.
Use Tool →Gratuity Calculator
Gratuity amount & tax exemption.
Use Tool →UAN Activation
Activate UAN on EPFO portal. Step-by-step.
Use Tool →Business & Invoicing
EMI Calculator
Loan EMI with amortization schedule.
Use Tool →Invoice Generator
GST-compliant invoices. Download PDF.
Use Tool →Balance Sheet Generator
Assets, liabilities & equity.
Use Tool →Proposal Generator
Professional quotations. Download PDF.
Use Tool →Startup Cost Calculator
One-time + monthly expenses, break-even.
Use Tool →Client Payment Tracker
Invoice aging & overdue tracking.
Use Tool →Dropshipping Profit
Per-unit & monthly profit calculator.
Use Tool →Carbon Footprint
Business ESG emissions calculator.
Use Tool →Loan Comparison
Compare two loans side by side. EMI & total cost.
Use Tool →Tip Calculator
Calculate tip & split bill between friends.
Use Tool →Real Estate & Property
Rental Yield Calculator
Gross & net rental yield on property.
Use Tool →Registration Cost
Stamp duty & registration by state.
Use Tool →Rent vs Buy
Should you rent or buy? Data-driven answer.
Use Tool →Home Loan Eligibility
Max loan based on income & obligations.
Use Tool →Property ROI
Total return: appreciation + rental + tax.
Use Tool →Rent Receipt Generator
Generate rent receipts for HRA claim.
Use Tool →Investment & Wealth
SIP Step-Up Calculator
SIP with annual increase. Wealth projection.
Use Tool →SWP Calculator
How long your corpus lasts with withdrawals.
Use Tool →NPS Calculator
National Pension System returns & tax benefits.
Use Tool →PPF Calculator
PPF with loan & withdrawal rules.
Use Tool →FD vs RD vs SIP
Compare returns side by side.
Use Tool →Net Worth Tracker
Assets vs liabilities with pie chart.
Use Tool →FIRE Calculator
Financial independence, retire early.
Use Tool →FD Calculator
Fixed deposit maturity with compounding.
Use Tool →RD Calculator
Recurring deposit maturity & interest.
Use Tool →Term Insurance
How much cover you need & premium estimate.
Use Tool →Compound Interest
CI formula with compounding frequency.
Use Tool →Simple Interest
SI formula for loans and investments.
Use Tool →Inflation Calculator
Future value of money with inflation.
Use Tool →Retirement Calculator
Plan retirement corpus and savings.
Use Tool →Savings Goal
How long to reach your financial goal.
Use Tool →Freelancer & Creator Economy
Freelance Rate Calculator
Hourly & daily rate from desired income.
Use Tool →Freelance Tax Estimator
Advance tax + GST for freelancers.
Use Tool →Content ROI Calculator
Marketing ROI from content creation.
Use Tool →Social Media Rate Card
Sponsorship pricing for influencers.
Use Tool →YouTube Earnings
Estimate ad revenue from views & CPM.
Use Tool →Student & Education
Why Use VixitAI Tools?
Built for households, freelancers and small businesses in the US, UK, Canada and India who need fast, accurate calculations.
100% Free
No hidden charges, no premium tiers. Every tool is completely free to use — forever.
Instant Results
All calculations happen in your browser. No waiting for server responses — results appear instantly.
Privacy First
Your data stays in your browser. Nothing is sent to any server. We don't track your financial information.
How It Works
Get accurate results in three simple steps.
Pick a Tool
Pick your country, then choose a mortgage, retirement, tax, salary or loan calculator.
Enter Your Details
Fill in the required fields — salary, amount, rate, or any other relevant data.
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