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: 25.00% (Feb–Apr 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.
Increment & Stagnation Calculator
Project your next annual increment or stagnation increment — date and amount — for any cadre, including JAIIB/CAIIB advance increments.
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.
EMI Calculator
Calculate equated monthly instalments for any loan amount, interest rate, and tenure. Amortisation schedule 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.
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 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.
Each calculator is built around the formulas and norms that branch officers and credit managers use every day — not textbook approximations.