Banking Calculators
A growing collection of free calculators built for bank officers, credit managers, and banking aspirants. Bookmark this page — tools are added regularly.
DA Calculator
Current DA: 27.83% (Aug–Oct 2026). Enter your Basic Pay, SA, PQP and more to get your exact monthly DA under the 12th BPS.
BPS Salary Calculator
Select your scale or cadre, years of service, and qualifications — get a full 12th BPS salary slip with DA, HRA, PQP, gross, and take-home.
CTC Calculator
The full picture beyond the payslip — Basic, DA, HRA, gratuity, LTC, leave encashment, SFF, and staff loan benefits, all in one annual CTC figure.
Increment & Stagnation Calculator
Project your next annual increment or stagnation increment — date and amount — for any cadre, including JAIIB/CAIIB advance increments.
Promotion Fitment Calculator
Your basic pay after promotion — clerk to Scale I and Scale I to V — from IBA’s official fitment charts, with JAIIB/CAIIB increments handled.
Staff Housing Loan EMI
Simple interest EMI for PSB staff loans — monthly principal & interest EMIs, total interest, and savings vs market compound rates. Unique to this site.
Promotion Exam Course
Not a calculator — the highest-return number you'll compute all year. A Clerk → Scale I promotion adds ₹8,000–15,000/month.
Enrol Now →EMI Calculator
Calculate equated monthly instalments for any loan amount, interest rate, and tenure. Amortisation schedule and prepayment savings included.
Working Capital Calculator
Compute WC limits via Turnover Method (Nayak Committee) and MPBF Method I & II (Tandon Committee). Both methods with Current Ratio check.
Drawing Power Calculator
Calculate DP from a stock statement: eligible stock, book debts ≤90 days, trade creditors, and margin. Includes in-order/out-of-order check.
CGTMSE Fee Calculator
Compute Annual Guarantee Fee (AGF) for any MSME loan — category discounts, MLI risk adjustments, pro-rated first year. Based on Circular 251/2024-25.
Interest Calculator
Simple and compound interest for deposit pricing, loan comparisons, and NPA/overdue interest computation.
Loan Eligibility Calculator
Check your maximum loan eligibility using FOIR and NTH norms — same methods used by credit officers. Home, Personal, Car, Education & Business loans.
Retirement Corpus Calculator
Pension optee or NPS optee — project your full retirement corpus: pension or annuity, gratuity, commutation, and leave encashment, with live DA.
Pension & NPS Annuity Calculator
Estimate your monthly pension as a pension optee (Bank Employees' Pension Regulations, 1995) or your NPS annuity payout as an NPS optee.
Gratuity Calculator
15/26 × (Basic+DA) × years, capped at ₹20 lakh — eligibility check, Section 4(2) year-rounding, and tax-exempt amount.
Leave Encashment Calculator
PL encashment at retirement, resignation, or during service — least-of-4-limits exemption under Sec 10(10AA)(ii), including the ₹25L lifetime ceiling.
Each calculator is built around the formulas and norms that branch officers and credit managers use every day — not textbook approximations.