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Don't guess. Run the numbers side-by-side to make the most mathematically optimal financial decisions.
What Numeraise is
Numeraise is a free set of financial calculators — currently just over seventy of them — covering investments, loans, tax, savings, insurance, retirement, property and the everyday arithmetic that comes up when you are working out whether something is affordable.
The name is a coinage, not the economics term numéraire. It is simply “numbers” and “raise”, which is roughly what the site is for: taking the numbers you already have and showing you what they become.
Three things that make it different
The formula is on the page
Every calculator shows the equation it uses and defines each variable. If a result surprises you, you can check the arithmetic instead of trusting a black box.
Your figures stay on your device
Calculations run in your browser. Your salary, loan balance and net worth are never sent to us, because there is no server-side calculation to send them to.
No signup, no email gate
Results appear as you type. There is no account, no “enter your email to see your report”, and no paywall on any calculator.
Where to start
If you are building wealth, the SIP calculator is the usual starting point — it shows how a monthly investment separates into what you contributed and what compounding produced, and over long horizons the second number becomes the larger one. If you already hold investments, the CAGR calculator tells you what you actually earned, which is usually more sobering than a fund factsheet.
If you are borrowing, start with the EMI calculator and then look at the amortisation schedule rather than the monthly figure. Lenders quote the EMI because it is the smallest, friendliest number available; the one that decides whether a loan is sensible is total interest over the full term. Before you commit, the flat vs reducing balance calculatoris worth two minutes — a “flat 7%” and a “reducing 7%” are not the same loan, and the gap is wider than most people expect.
For tax, the old vs new regime comparison is the largest single decision most salaried people make each year, and it cannot be answered with a rule of thumb — it depends entirely on how much you genuinely claim. If you rent, the HRA exemption calculator is worth checking, because the exempt amount is the lowest of three formulas rather than the figure printed on your payslip.
Planning further ahead, the retirement corpus calculator applies inflation to your current expenses, which is what makes the required number counterintuitive: a monthly spend of 50,000 today becomes roughly 160,000 in twenty years at 6% inflation. Any calculation that skips that step understates the target badly.
Comparisons, not just calculations
Some questions are not a single sum but a choice between two paths, and running each side separately makes it easy to compare them on the wrong basis — pre-tax against post-tax, or a figure that includes opportunity cost against one that quietly does not. The side-by-side comparisons apply identical inputs, horizon and tax treatment to both options, so the difference you see is real rather than an artefact of mismatched assumptions.
Written to be read, not to rank
Each calculator sits alongside an explanation of the mechanism behind it, the mistakes people commonly make, and where the result stops being reliable. The glossary defines the jargon in plain English with worked examples, and the guides go deeper on the topics that deserve more than a paragraph.
Numeraise provides general information and calculation tools, not financial advice. Outputs are estimates based on the assumptions you enter. For decisions involving real money, consult a qualified professional who knows your full circumstances — see our disclaimer and editorial standards.