calc.bitgeek.in calculators that show their working

Every number, shown working.

Financial calculators for India that don't stop at the answer — each page explains the exact formula the bank uses, a worked example, and the gotchas that cost people money. Search by name or abbreviation (try MAB, EMI, OD, LTV).

Banking

3 calculators
MAB Monthly Average Balance
How banks compute MAB, why you get charged, and a day-by-day calculator to check or rescue your average balance.
 → FD Fixed Deposit Maturity
FD maturity with quarterly compounding the way Indian banks do it — plus TDS and the premature-withdrawal penalty.
 → RD Recurring Deposit
RD maturity for a fixed monthly deposit — each instalment compounding quarterly for its own term.
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Home Loan

4 calculators
EMI Home Loan EMI
Monthly instalment, total interest, and a full year-by-year amortisation schedule for a home loan.
 → FOIR Home Loan Eligibility
How much home loan your income supports — FOIR method banks actually use, with existing EMIs accounted for.
 → PP Home Loan Prepayment
What a part-payment saves you — interest saved and tenure cut, comparing reduce-EMI vs reduce-tenure.
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BT Home Loan Balance Transfer
Whether refinancing to a lower rate is worth it after processing fees and reset tenure.
 in the works

Business Loan

3 calculators
EMI Business Term Loan EMI
EMI and total cost for a business term loan, including processing fee in the effective cost.
 → DSCR Business Loan Eligibility
Loan amount your business cash flow supports — turnover and DSCR methods lenders use for MSME loans.
 → OD Overdraft / CC Interest
Daily-balance interest on an overdraft or cash credit limit — the way banks actually bill it, day by day.
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Vehicle Loan

1 calculator
CAR Car Loan EMI
EMI and true cost of a car loan — on-road vs ex-showroom funding, the flat-rate dealer trap, and the years your car is worth less than the loan.
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Gold

3 calculators
LTV Gold Loan
Eligible loan against your gold by weight and purity under the RBI 75% LTV cap, plus bullet vs EMI interest.
 → VA Gold Jewellery Price
Decode a jeweller's bill — wastage/VA, stone deductions, GST, the discount that isn't, and what your old gold is really worth in exchange.
 → G11 Gold Savings Schemes
Golden Eleven Flexi, Golden Harvest and the other 10–11 month jeweller schemes — bonus, % per month and annualised return, compared against a plain RD.
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Utilities

1 calculator
TXT Text Calculator
Type it like you'd say it — “4kg - 2.3 lb”, “2 guntha to sq yd”, “15% of 2400”, “2 lakh + 50k” — and get the answer.
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Date & Time

9 calculators
AGE Age Calculator
Exact age in years, months and days from a date of birth — plus total days lived and the next-birthday countdown.
 → DATE Date Calculator
Add or subtract years, months, weeks and days from any date and land on the exact resulting date.
 → TIME Time Calculator
Add or subtract times — days, hours, minutes, seconds — with clean normalised results.
 → HRS Hours Calculator
Hours between two clock times — overnight shifts and breaks handled — with weekly, monthly and pay totals.
 → CARD Time Card Calculator
A weekly timesheet: clock-in, clock-out and break per day, with total hours, overtime and gross pay.
 → TZ Time Zone Calculator
Convert any date and time between time zones — IST to EST, GMT, PST and every IANA zone, DST included.
 → DUR Time Duration Calculator
The exact duration between two moments — broken down in every unit from years to seconds.
 → DAYS Day Counter
Days between two dates — calendar days, business days, weekends — with an include-the-end-day switch.
 → DOW Day of the Week Calculator
What day of the week any date falls on — past or future — plus the same date across nearby years.
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Investing

3 calculators
SIP SIP Returns
What a monthly SIP compounds to — corpus, invested amount, wealth gained, and the step-up variant.
 → PPF PPF Growth
Public Provident Fund over 15 years — the 5th-of-month interest rule, EEE tax status, and extension blocks.
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CAGR CAGR
Compound annual growth rate between two values.
 in the works

Tax

3 calculators
GST GST Calculator
Add or remove GST at 5/12/18/28% — inclusive↔exclusive both ways, with the CGST/SGST split MSME invoices need.
 → HRA HRA Exemption
House rent allowance exemption — the least-of-three rule, metro vs non-metro, old regime only.
 → IT Income Tax Calculator
New vs old regime tax for FY 2025-26 — slab-wise working, surcharge, cess, and the late-filing penalties and interest most calculators skip.
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Real Estate

4 calculators
SD Stamp Duty & Registration
The true transaction cost of buying property — state-wise stamp duty, registration charges, and the woman-buyer concession.
 → RVB Rent vs Buy
Renting + investing the difference vs buying with a loan — compared honestly over your horizon.
 → YLD Rental Yield
Gross and net rental yield on a property — with maintenance, tax and vacancy priced in, and what a good yield looks like in India.
 → AREA Land Area Converter
Sq ft, sq yards (gaj), sq metres, acres, hectares, cents, guntha, bigha — every Indian land unit converted.
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