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Plan goals, compare rent against buying, clear debts, and check returns, tax, gratuity, and inflation with free client-side calculators.
Use this workflow to put money decisions in order. Start with what you earn using salary, gratuity, and tax tools. Then plan what you keep with goal SIPs, CAGR checks, and inflation maths. Finish by protecting it: compare renting against buying, schedule debt payoff, and split shared spends fairly. Every tool runs the same honest way. It shows the formula, works in your browser, and stores nothing. Use one calculator for a quick answer, or follow the full chain from pay cheque to corpus.
12 free tools. Use the first tool that matches your current task.
Check in-hand pay, gratuity, and tax before you spend anything.
Calculate your take-home salary from CTC with PF, gratuity, and new vs old tax regime comparison. Built for Indian professionals.
Estimate gratuity under the Payment of Gratuity Act with the 15/26 formula. Checks the five-year rule and the statutory cap.
Compare the new vs old income-tax regime for FY 2025-26 with §87A rebate, marginal relief, and 4% cess.
Size monthly SIPs, verify real returns, and adjust for rising prices.
Start from a goal in today's money. This tool inflates the target to its future cost, then works back to the monthly SIP you need.
Project mutual-fund SIP growth or find the monthly amount needed to hit a target corpus.
Compute CAGR from start and end values, or XIRR across deposits and withdrawals at any dates. Know your true annual return.
See what today's money will cost later, or what a future amount is worth in today's money, at any inflation rate you set.
Project compound investment growth and inflation-adjusted financial independence scenarios.
Compare loan costs, weigh rent against buying, and clear debts fast.
Compute monthly EMI, total interest, and a full amortization schedule for any loan — home, car, or personal.
Compare the net cost of buying a home against renting and investing the difference. Get a clear winner for your stay period.
List your debts, pick snowball or avalanche order, add an extra payment, and see your debt-free month plus interest saved.
Settle shared bills without a spreadsheet.