Got a money question?
Every money tool, one place.
- 36 free calculators
- Investing, loans, tax, insurance and NRI
- Each answer drawn as a picture
36 tools
Investments
Grow your money · 11 tools
- SIP Calculator
Watch small monthly amounts snowball into a corpus.
Compounding curve · gains crossover · inflation lens
- Lumpsum Calculator
One investment, a whole fan of possible futures.
Outcome fan · doubling milestones
- Lumpsum Planner
Got ₹5 lakh? Where each rupee should go first.
Priority ladder · after-tax returns · split bar
- Lumpsum or SIP?
Put a sum in today, or feed it in month by month?
Steady market vs a fall · gap by spread length
- SIP Frequency Compare
Daily, weekly or monthly: does how often you invest change what you end with?
When pay goes in · 200 markets · who wins how often
- Goal Planner
Name the goal and the year. See the SIP that gets you there.
Path to the goal · safety shift near the date · a fall stress-tested
- Asset Allocation Planner
Too much in one kind? See your mix against one for your age.
Today vs target mix · four ways back · tax on selling
- CAGR Calculator
Turn "it doubled" into a yearly return you can compare.
Year-by-year growth · benchmark race · total vs yearly
- XIRR Calculator
Your true yearly return when money went in at different times.
Cash-flow timeline · money growing at your XIRR
- Sell Shares, Pay Less Tax
When and how to sell so less of your profit goes to tax.
Tax by sale month · plans compared · how far the price can fall
- Tax-Free Gains Planner
Book ₹1.25 lakh of gains tax-free every year and shrink the tax when you sell.
Exit tax, harvesting vs not · family exemptions · 54F home
Retirement
Plan your pension · 4 tools
- Retirement Readiness
Are you on track, and what closes the gap if you're not?
Ready gauge · savings through life · three ways to close the gap
- NPS Pension
From first contribution to your monthly pension cheque.
Career-to-retirement journey · corpus split
- SWP Calculator
How long can your savings pay you a monthly income?
Drawdown curve · safe withdrawal zones
- Tax-Smart Withdrawals
Which pot to draw from each year, so less of your savings goes to tax.
Where each year's money comes from · orders compared · money left
Loans
Borrow smarter · 8 tools
- Home Loan EMI
See exactly when your EMI stops feeding the bank.
Amortisation bars · prepayment savings
- Home Loan Prepayment
Four ways to close your loan years early, compared.
Strategy race · tenure vs EMI · balance chart
- Prepay or Invest?
Pay off the home loan early, or put the money in a SIP?
Net-worth race · break-even return · split option
- FD or Clear the Loan?
Keep the FD earning, or use it to wipe out a loan?
Net-worth race · FD rate that flips it · fees counted
- Loan Payoff Planner
Several EMIs? See which loan to close first, and when you're debt-free.
Payoff order · debt-free date by strategy · EMIs month by month
- Rent or Buy?
Buy a home, or rent and invest the difference?
Net-worth race · break-even price growth · money spent and gone
- How Much Home?
The price your pay and savings can really carry.
Comfortable, stretch and bank-max zones · where the money comes from
- When to Buy a Car
Buy now on a loan, or save up and pay cash?
Savings vs price race · 20/4/10 check · three ways to buy
Income & Tax
Know what you keep · 8 tools
- Take-Home Salary
From CTC to what actually lands in your bank.
Payslip · CTC split · old vs new regime · slab ladder
- Old vs New Tax Regime
Which regime leaves you more, and the deductions that would flip it.
Kept vs deductions · break-even · room left in 80C, 80D, NPS
- Tax-Saving Strategies
Every legal way to cut your tax, measured on your own salary.
Tax waterfall · saving per ₹100 put in · lock-in
- Salary Hike
How much of your raise actually reaches you?
Before vs after · ₹100 of the raise · inflation check
- Side Hustle Income
What freelance income leaves you after tax, per hour.
₹100 of side income · hourly rate vs day job · 44ADA vs actual
- Freelancer Income Cliffs
Find the fee levels where billing more leaves you with less.
Take-home by fees billed · cliffs shaded · you-are-here
- Budget Calculator
Needs, wants and savings against the 50/30/20 rule.
100-coin pay split · 50/30/20 bars · savings growth
- GST Calculator
Where every rupee of your bill actually goes.
100-coin grid · CGST / SGST / IGST split
NRI
Money across borders · 2 tools
Insurance
Protect your family · 3 tools
- Term Insurance Cover
How many years would your family's money last?
Family runway · protection gap
- Emergency Fund
How many months to keep aside, and when you'll get there.
Months covered · ready date · where to keep it
- Term or Health First?
Which policy to buy first, and how much cover you need.
Buying order · need vs have bars