Tools
54 free financial tools
Calculators, comparisons, and matchmakers for the most common Indian money questions — EMI, SIP, FD, GST, tax, gratuity, gold, stamp duty, and more. Every calculation runs in your browser; nothing is stored.
54 tools
Loan & EMI
EMI maths and eligibility for every kind of loan.
EMI Calculator
Calculate monthly EMI with year-by-year amortization.
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Home Loan EMI
Property value, down payment, processing fee, full schedule.
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Home Loan Balance Transfer
Break-even month and net saving after real switching costs.
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Personal Loan EMI
Effective annual cost including processing fee.
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Car Loan EMI
On-road price + EMI + total cost of ownership.
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Prepayment Impact Calculator
Interest and time saved by a one-time loan prepayment.
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Flat vs Reducing Rate Converter
Convert a flat interest rate to its equivalent reducing rate.
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Foreclosure Savings Calculator
Net savings from foreclosing a loan, after any foreclosure charge.
Open → Loan Eligibility
How much you can borrow across 30+ lenders.
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Step-up EMI Calculator
EMI that rises every year — see the payoff time and interest saved.
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Gold Loan Calculator
Eligible loan amount and EMI against gold, at the current rate and RBI LTV tiers.
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Debt Consolidation Calculator
Multiple EMIs into one, with an honest verdict on whether it really saves money.
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Rent vs Buy Calculator
Month-by-month net worth simulation, buying a home vs renting and investing the difference.
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Savings & Investment
Project growth on monthly investments and bank deposits.
SIP Calculator
Project mutual-fund SIP corpus with compounding.
Open →FD Calculator
Fixed-deposit maturity + effective yield.
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Lumpsum Calculator
One-time mutual fund investment growth with compounding.
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Step-up SIP Calculator
SIP returns when your monthly investment rises every year.
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SWP Calculator
Month-by-month corpus depletion under a fixed withdrawal.
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Goal-based SIP Planner
Required monthly SIP to hit a target amount by a target date.
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RD Calculator
Recurring deposit maturity, quarterly compounding.
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EPF Calculator
Project PF corpus at retirement at 8.25% interest.
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PPF Calculator
Public Provident Fund maturity value over the 15-year ladder.
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Sukanya Samriddhi Yojana Calculator
SSY maturity value for a girl child savings account.
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NPS Calculator
NPS corpus and estimated pension, allocation and annuity rate editable.
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Expense Ratio Impact Calculator
What regular vs direct mutual fund expense ratios cost you, compounded.
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CAGR / XIRR Calculator
Annualized return for a single investment or irregular multi-date cashflows.
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ELSS vs PPF vs NPS Comparator
Compare projected corpus from ELSS, PPF, and NPS for the same investment.
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Emergency Fund Calculator
Target emergency fund size, the gap vs your current savings, and months to close it.
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Child Education Cost Planner
Future cost of an education goal and the monthly SIP required to fund it.
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Tax & Salary
Optimize tax under both regimes; understand your CTC.
Tax-Saving Planner
Optimize 80C, compare regimes, maximize savings.
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Income Tax Calculator
Old vs new regime side-by-side for FY 2025-26.
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HRA Exemption
Tax-free HRA via least-of-three rule.
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GST Calculator
Add or remove GST with CGST/SGST/IGST split.
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Gratuity Calculator
Lump sum on resignation, with tax exemption.
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Pay Commission
7th vs 8th CPC pay comparison.
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In-hand Salary / CTC Calculator
CTC breakdown to monthly take-home, both tax regimes side-by-side.
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80D Tax Benefit Calculator
Health insurance premium to tax saved under Section 80D.
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Capital Gains Calculator
Equity and property LTCG/STCG, with grandfathering and indexation.
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Credit Card Costs
What a card really costs (or saves) you, beyond the sticker numbers.
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CC Interest / Min-Due Trap Calculator
How long minimum-due-only payments really take, and what they cost.
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Annual Fee Break-even Calculator
Monthly spend at which a card’s rewards cover its annual fee.
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No-Cost EMI Reality Checker
The real effective rate hidden behind a "no-cost" EMI offer.
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Lounge Access Value Calculator
Whether a card's lounge access is worth its annual fee, based on your travel frequency.
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Insurance Needs
How much cover you need, and smart claim decisions — no premiums, no insurer names.
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Term Insurance Cover Calculator
How much term life cover you need, needs-based, no premiums.
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Health Insurance Cover Calculator
How much family floater health cover your household needs.
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Term vs Return-of-Premium Comparator
Implied return investing the premium difference needs to beat a return-of-premium refund, using your own quotes.
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NCB Calculator
Whether a motor claim is worth the No Claim Bonus you'd give up, on your own OD premium.
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Find Your Product
Match yourself to the right card, loan, or insurance plan.
Reward Calculator
Rank 260+ cards by rewards on your spending.
Open →Rewards Optimizer
Six categories — best card after fees.
Open →Loan Finder
Best loan ranked by approval odds.
Open →Insurance Plan Finder
Right health, term, or motor plan from 20+ insurers.
Open →Card Finder
Personalized card picks in 6 quick questions.
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Other Tools
Property, gold, and general financial-literacy helpers.