Upaman Financial Tools

Practical Calculators for Real Decisions

US, Europe, and India calculators for tax, investing, borrowing, and debt payoff

Transparent formulas, no signup, and fast calculations. Use guided workflows for major choices or open region-focused standalone tools for quick checks.

Calculations run locally

Search across regional hubs, workflows, specialty tools, and decision guides.

Regional Hubs

Open India, US, or EU/UK hubs directly below.

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India Calculators Hub

Access India-focused calculators for tax, investing, loans, salary, and IRCTC booking planning

GST, Income Tax, EMISIP, PPF, SalaryIRCTC and debt planning
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US Calculators Hub

Access US-focused calculators for mortgage, refinance break-even, and auto loan decisions

Mortgage, refinance, auto loan401(k), savings, debt payoffRegional hub
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EU & UK Calculators Hub

Access Europe-focused calculators for VAT, UK tax, and country-specific salary estimation

VAT across EUUK tax + NIGermany/France/Netherlands salary

Guided Workflows

Guided, multi-step flows that combine multiple decisions in one journey.

Workflow

Job Offer Decision Workflow

Compare two salary offers, estimate take-home impact, and get investing/debt plan guidance in one flow

Offer comparisonTax impactDecision recommendation
Workflow

Home Loan Readiness Workflow

Check safe EMI, maximum loan budget, and readiness plan before committing to a property

Safe EMIBudget validationReadiness action plan

Specialty Tools

Global tools and utilities that complement regional hubs.

IRCTC Booking Calculator

Calculate exact booking dates & times for train reservations

60-day bookingTatkal timingAll classes
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UK Rail Journey Planner

Journey planning with smart estimates and optional live departures when API access is available

Smart estimatesLive mode (beta)Journey planning

Credit Card Expense Analyzer

Track, categorize & analyze your credit card spending patterns

Expense trackingBudget analysisCategory insights

Age Calculator

Calculate exact age, days lived & life milestones

Exact ageLife milestonesFun facts

JSON Formatter & Validator

Validate, format, minify, flatten, unflatten, and convert JSON ↔ CSV in one workspace

Format & validateJSON ↔ CSVFlatten transforms

Decision Guides

Short reference pages that explain formulas, assumptions, and common mistakes before you calculate.

EMI Prepayment Strategy

How to decide when part-prepayment is worth it and how to estimate savings quickly.

Old vs New Tax Regime Guide

Practical checklist to choose the better tax regime before filing.

SIP Step-up Planning Guide

Use step-up investing to target goals without overcommitting in year one.

Credit Card Minimum Due Trap

See why minimum due keeps debt alive and what payment strategy exits faster.

CTC to In-hand Breakdown

Understand what usually gets deducted between offer CTC and monthly take-home.

PPF vs SIP Selection

When to prioritize guaranteed debt-style growth vs market-linked equity SIP.

Why Choose Upaman Tools?

Real-time Accuracy

Built with transparent assumptions and practical defaults so outputs are easy to validate and compare.

Secure & Private

Most tools run directly in your browser. No login is required for standard calculations.

Lightning Fast

Optimized for quick inputs, readable outputs, and consistent behavior on desktop and mobile.