Luminus

Finance tools

Run the money math before you commit to it: take-home pay, loan and EMI schedules, mortgage payments, retirement projections, and compound growth. There are dedicated tools for the US, UK, Canada, and Australia, plus India-specific calculators for income tax, GST, CTC breakdowns, and HRA exemption. Every calculation happens in your browser, so your salary and balances are never sent anywhere.

41 free tools · no sign-up

Estimate take-home pay after federal, FICA, and state tax — for any US state.

Finance

Take-home pay after tax for the UK, Canada, and Australia.

Finance

Compare your FY 2025-26 tax under the new and old regimes side by side.

Finance

Add or remove GST at 5/12/18/28%, with the CGST and SGST split.

Finance

Estimate monthly take-home from your CTC after EPF, tax, and professional tax.

Finance

Work out your tax-exempt House Rent Allowance with the least-of-three rule.

Finance

Monthly payment, total interest, and a full amortization schedule.

Finance

Watch a balance grow with regular contributions and compounding.

Finance

Plan your path to debt-free with the snowball or avalanche method.

Finance

Estimate your full monthly mortgage payment including PITI, PMI, and HOA.

Finance

Project your retirement nest egg with compounding contributions and inflation.

Finance

Find the maximum loan you can qualify for based on income and FOIR/DTI.

Finance

Project dividend income and portfolio growth with optional DRIP reinvestment.

Finance

Calculate tips and split the bill easily among friends.

Finance

Calculate sale prices, savings, and final prices with tax.

Finance

Add or remove value-added tax (VAT) from a price.

Finance

Calculate how inflation affects purchasing power over time.

Finance

Calculate the Compound Annual Growth Rate of investments.

Finance

Calculate the return on investment (ROI) and annualized ROI.

Finance

Find the sales volume and units required to break even.

Finance

Find out how much you need to save monthly to reach your goal.

Finance

Convert hourly pay to annual salary, or vice versa, instantly.

Finance

Find the time and interest required to pay off credit card debt.

Finance

Calculate monthly auto loan payments, interest, and total cost.

Finance

Compare the net cost of renting a home against buying one.

Finance

Calculate the new average share price after subsequent purchases.

Finance

Calculate cryptocurrency investment profits, fees, and ROI.

Finance

Estimate future value and wealth gain from mutual fund SIP investments.

Finance

Calculate Fixed Deposit interest earnings and maturity amount.

Finance

Estimate maturity amounts and interest for Recurring Deposits.

Finance

Project Public Provident Fund growth, interest, and maturity values.

Finance

Calculate the optimal shares to purchase based on account size and risk tolerance.

Finance

Define trade target prices and protection limits by percentage margins.

Finance

Calculate dividend yields by comparing annual dividend payout against share prices.

Finance

Calculate adjusted share counts and prices before/after stock splits.

Finance

Determine Benjamin Graham intrinsic values for value investing.

Finance

Estimate total broker charges, GST, STT, and transaction tax costs.

Finance

Compare wealth growth projections for monthly SIPs vs single lump sum investments.

Finance

Check P/E ratios, EPS, yield, and mock AI stock reports for symbols.

Finance

Screen common market stocks by yield targets and maximum P/E caps.

Finance

Calculate weighted average costs for stock holdings across multiple purchase batches.

Finance

Why use these finance tools?

  • Country-aware defaults — US paycheck withholding, Indian tax slabs, and UK/CA/AU salary rules are built in, not bolted on.
  • See the full picture: amortization schedules, interest paid over time, and how one extra payment changes a debt payoff date.
  • Nothing is stored or transmitted — enter real numbers without creating an account or trusting a server with your finances.

Frequently asked questions

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