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General Finance Calculators

Browse all of Nivesh's free general finance calculators in one place: net worth, inflation, emergency fund, loan vs lease, and simple interest.

5 calculators

Not every financial question fits neatly into investing, loans or tax. Knowing your real net worth, how big a safety net you actually need, or what inflation quietly does to your savings are foundational questions that apply regardless of which other calculators you use. These calculators cover that general-purpose ground.

All General Finance Calculators
IGeneral Finance
Inflation Calculator
See what today's money will actually be worth years from now.
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NGeneral Finance
Net Worth Calculator
Add up all your assets and liabilities to track your net worth.
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EGeneral Finance
Emergency Fund Calculator
Find the ideal size for your safety net based on monthly expenses.
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LGeneral Finance
Loan vs Lease Calculator
Compare the total cost of buying on loan against leasing instead.
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SGeneral Finance
Simple Interest Calculator
Work out interest on a non-compounding loan or deposit quickly.
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How to think about general finance calculators

A few principles worth knowing before you run the numbers.

1Net worth is a snapshot, not a plan

Adding up assets and liabilities tells you where you stand today. Track it every few months rather than once, since the trend over time matters more than any single number.

2An emergency fund is sized against expenses, not income

The right size depends on your monthly outgoings and how stable your income is, not a flat number. Someone with variable income typically needs a larger cushion than a salaried employee with the same expenses.

3Inflation erodes purchasing power even while your balance grows

A savings balance can go up in rupee terms while still losing real value, if its interest rate trails inflation. The Inflation Calculator shows what a rupee today is actually worth years from now.

4Loan vs. lease is a cash flow question as much as a cost one

The cheaper option on paper isn't always the more affordable one month to month. Compare both the total cost and the monthly commitment before deciding between them.

Explore other categories
IInvestments12LLoans10TTaxation8SSavings6SSalary5RReal Estate4RRetirement5
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Frequently asked questions

Straight answers to the questions we hear most about General Finance calculators.

What counts as an asset or a liability?
An asset is anything you own with monetary value: cash, investments, property, vehicles. A liability is anything you owe: loans, credit card balances, other debts. Net worth is simply assets minus liabilities.
How many months of expenses should an emergency fund cover?
A common starting point is 3-6 months of essential expenses, though variable-income earners or single-income households often benefit from leaning toward the higher end of that range.
Why does my emergency fund need to be liquid, not just large?
A fund you can't access quickly without penalty or delay doesn't help in an actual emergency. The Emergency Fund Calculator assumes funds held somewhere accessible within a few days, not locked into a long-tenure instrument.
How is simple interest different from compound interest?
Simple interest is calculated only on the original principal for the entire period; compound interest is calculated on the principal plus any interest already added, so it grows faster over time on the same rate and amount.
Should I lease or take a loan for a car?
Leasing typically has a lower monthly payment but you don't own the asset at the end; a loan costs more per month but builds equity in a vehicle you keep. The Loan vs Lease Calculator compares the total cost of both, not just the monthly figure.
How often should I recalculate my net worth?
Quarterly is a reasonable cadence for most people, frequent enough to catch meaningful changes in your financial position, without obsessing over short-term market swings in your investments.

Learn more

Articles to go deeper on the ideas behind General Finance calculators.

Fundamentals
Net worth vs. income: why they're not the same thing
A high earner and a high net-worth individual aren't always the same person.
4 min read
Fundamentals
How big should your emergency fund actually be?
Sizing your safety net against real expenses and income stability.
5 min read
Fundamentals
How inflation is measured in India
What CPI actually tracks, and why your personal inflation rate can differ from it.
5 min read