Financial Planning Calculators
FIRE calculator, rent vs buy, debt snowball, emergency fund calculator, and other financial health tools.
24 calculatorsFIRE & Independence
FIRE Calculator – When Can You Retire Early?
Calculate when you can achieve Financial Independence and Retire Early. See your FIRE number, timeline, and what changes would help reach your goal faster.
Financial Independence Number Calculator – Find Your FI Target
Calculate your Financial Independence number - the amount you need to never work again. See your FI timeline, explore Lean FI, Coast FI, and Fat FI targets.
Income Replacement Ratio Calculator – Retirement Income Planning
Calculate your income replacement ratio for retirement. Find out what percentage of your current income you'll have in retirement.
Home Decisions
Home Loan Prepayment Calculator – Should You Prepay or Invest?
Should you prepay your home loan or invest that money? Free calculator compares both scenarios visually. See interest saved vs investment returns for India home loans.
Rent vs Buy Calculator India – Should You Rent or Buy a House?
Should you rent or buy a house in India? Free calculator compares total cost, net worth, and break-even timeline. Visual charts show the better financial choice.
EMI Increase Impact Calculator – Save Lakhs on Your Home Loan
Calculate the impact of increasing your home loan EMI. See interest savings, tenure reduction, and compare against investment alternatives with visual charts.
Debt Management
Debt Snowball vs Avalanche Calculator – Best Payoff Strategy
Compare debt payoff strategies: Snowball (smallest first) vs Avalanche (highest interest first). See which saves more money and time with visual charts.
Credit Card Minimum Payment Trap Calculator
See how minimum payments trap you in decades of debt. Calculate the true cost, payoff timeline, and discover how small extra payments save thousands.
Debt Payoff Motivation Tracker – Track Your Journey to Financial Freedom
Track your debt payoff progress with milestones, motivation metrics, and projections. See how much interest you're saving and when you'll be debt-free.
Financial Health
Emergency Fund Adequacy Score – How Prepared Are You?
Calculate your emergency fund adequacy score. See if your savings can handle job loss, medical emergencies, or unexpected expenses based on your unique situation.
Financial Cushion Score Calculator – How Protected Are You?
Calculate your financial cushion score from 0-100. Combines emergency fund, insurance coverage, debt health, and retirement savings into one comprehensive score.
How Long Will My Savings Last? – Savings Runway Calculator
Calculate how long your savings will last during a career break, sabbatical, or job search. See your runway in different spending scenarios with visual depletion timeline.
Net Worth Milestone Tracker – Track Your Wealth Building Progress
Track your progress toward net worth milestones. Visualize when you'll reach ₹10L, ₹50L, ₹1Cr and beyond with compound growth projections.
Spending Analysis
Subscription True Cost Calculator
Calculate the real cost of your subscriptions per hour of actual use. Find which subscriptions are worth keeping and which are wasting money.
Impulse Purchase Delay Calculator – Should I Wait?
Calculate whether to delay an impulse purchase. See how waiting affects buying decisions, plus the opportunity cost if you invested instead.
Cost Per Use Calculator – Is That Purchase Worth It?
Calculate the true cost per use of any item. Find out if expensive purchases are worth it based on how often you'll actually use them.
Lifestyle Inflation Calculator – Is Your Spending Growing Too Fast?
Track lifestyle creep over time. Compare income growth vs expense growth and see the long-term impact on your wealth building.
About Financial Planning Calculators
Plan your path to financial independence with our comprehensive financial planning tools. Calculate your FIRE number, compare renting vs buying a home, optimize debt payoff strategies, and assess your overall financial health with our scoring tools.
All CalcScope calculators are free, require no login, and work entirely in your browser. Your financial data never leaves your device.