Advanced Financial Calculator Suite

Professional-grade calculators for balance transfers, investment analysis, tax planning, and business ROI calculations. Get instant results with detailed formulas and practical examples.

Credit Card Balance Transfer Calculator

Calculate potential savings from transferring credit card balances to a lower-interest card. This tool helps you determine if a balance transfer is financially beneficial considering transfer fees and promotional periods[citation:1].

24%
0%
3%

Balance Transfer Analysis

Transfer Fee Cost
$150
Interest Without Transfer
$694
Interest With Transfer
$0
Total Savings
$544
Payoff Time
20 months

Balance Transfer Formula

Total Savings = (Interest without transfer) - (Interest with transfer + Transfer fee)

Example Calculation[citation:1]:

Scenario: $3,000 balance transferred from 27.49% APR to 0% promotional APR for 21 months with 5% transfer fee

Without Transfer: $694 interest over 18 months paying $206/month

With Transfer: $150 transfer fee, $0 interest during promotion

Savings: $694 - $150 = $544

ELSS (Equity Linked Savings Scheme) Calculator

Calculate potential returns from ELSS mutual funds with tax benefits under Section 80C. ELSS funds have a 3-year lock-in period and offer tax deductions up to ₹1.5 lakh per year[citation:3][citation:5].

12%

ELSS Investment Analysis

Total Investment
₹6,00,000
Estimated Returns
₹4,06,551
Maturity Value
₹10,06,551
Tax Savings
₹31,200
Effective Annual Return
14.3%

ELSS Calculation Formula[citation:3]

FV = P × [(1 + r)^n - 1] × (1 + r) / r (for SIP) FV = P × (1 + r)^n (for Lump Sum)

Where: FV = Future Value, P = Investment amount, r = monthly return rate, n = number of periods

Example Calculation[citation:3]:

Lump Sum: ₹3,00,000 at 15% for 5 years

Calculation: 300,000 × (1 + 0.15)^5 = ₹6,03,407

SIP: ₹5,000/month at 15% for 5 years

Maturity: ₹4,48,408

ETF Investment Calculator with Dividend Reinvestment

Calculate ETF investment growth with dividend reinvestment options. ETFs provide diversification benefits and can be traded like stocks throughout market hours[citation:2][citation:4].

8%
2%

ETF Growth Projection

Total Contributions
$70,000
Dividends Earned
$8,420
Capital Growth
$35,816
Total Value
$106,236
Annualized Return
9.2%

ETF Total Return Formula[citation:4]

Total Return = [(Ending Value + Dividends) / Beginning Value]^(1/n) - 1

Where dividends are reinvested to purchase additional shares, compounding returns over time.

Key ETF Concepts[citation:2][citation:4]:

Dollar Cost Averaging: Regular investments reduce impact of market volatility

Dividend Reinvestment: Automatically purchasing additional shares with dividends

Expense Ratios: Typically lower than mutual funds (0.03%-0.50%)

Liquidity: Traded throughout market hours like stocks

ETF Tax Implications Calculator

Calculate after-tax returns from ETF investments considering capital gains and dividend taxes.

Business Return on Investment Calculator

Calculate ROI for business investments and projects with detailed profitability analysis.

Real-Time Currency Converter

Convert between major currencies with live exchange rates and historical analysis.

Frequently Asked Questions

How does a balance transfer calculator work? +
What are the tax benefits of ELSS funds? +
How are ETF returns calculated with dividends? +
What is a good ROI for small business investments? +
How does forex hedging work? +

Disclaimer: These calculators provide estimates for educational and planning purposes only. Actual results may vary based on market conditions, fees, taxes, and other factors. Consult with a qualified financial advisor before making investment decisions. Past performance does not guarantee future results[citation:4][citation:7].