All money-saving calculators
Free tools for India. Search, or browse by category. Every result is explained in plain English.
Most used
Lifestyle & Spending Habits15 tools
What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
Indian 50/30/15/5 Budget Analyser
Needs, wants, savings and EMI, rebuilt for Indian households.
Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
Should I Buy This?
Price ÷ frequency = cost per use. The honest pre-purchase test.
Lifestyle Inflation Tracker
Your salary went up. Did your savings rate keep pace?
Cigarette Cost Tracker
What smoking has already cost you. What quitting would build.
Food Delivery Cost Calculator
Swiggy and Zomato feel small. Over a decade they're a down payment.
Car vs Cab Calculator
The true monthly cost of owning a car vs just taking Ola and Uber.
Phone Upgrade Cost Calculator
A new flagship every year. See the lifetime cost of the upgrade habit.
First Crore Calculator
When will your SIP hit your first ₹1 crore? And why the 2nd is faster.
The Cost of Waiting
What each year of delaying your SIP quietly costs you by retirement.
FIRE Calculator
Your financial-independence number: when work becomes optional.
Cost of Raising a Child
Birth to 21 in India, inflation-adjusted. The number most parents never total.
What Is Your Time Worth?
Your real hourly rate, and how to test any task or purchase against it.
Inflation Impact Calculator
What today's money will actually buy in the future. Cash is not safe.
Cards & Loans8 tools
EMI Calculator
Monthly EMI, total interest, prepayment scenarios.
Credit Card Interest Cost
True rupee cost of revolving a balance.
Credit Card Minimum Payment Trap
How long to clear if you pay only the minimum.
Balance Transfer Savings
Worth moving your card debt to a 1% transfer offer?
Loan Eligibility Estimator
What you can borrow, based on income and FOIR.
Loan Prepayment Savings
What one extra EMI a year saves on a home loan.
Education Loan EMI
With moratorium and interest accrual during studies.
CIBIL Score Improvement Roadmap
Personalised 6-12 month plan based on your current score.
Banking & Savings7 tools
FD Maturity Calculator
Maturity value after TDS, not the bank's headline number.
FD Laddering Builder
Build a 12-month FD ladder for steady liquidity + best rates.
RD Calculator
Recurring deposit maturity with monthly contribution.
PPF Calculator
Year-by-year balance, 15 years and beyond with extensions.
Sukanya Samriddhi Calculator
Daughter's future fund, maturity at age 21.
NSC Calculator
National Savings Certificate, 5-year maturity.
Real Return Calculator
Interest minus inflation minus tax, your actual gain.
Investing8 tools
SIP Calculator
Monthly SIP with step-up, future value, real return.
Lumpsum vs SIP Comparison
Which actually wins for your situation?
Goal-Based Investment Planner
Reverse-engineer the monthly SIP for any goal.
ELSS vs Tax-Saving FD
Compare returns and lock-in over 5-15 years.
Expense Ratio Impact
What a 1% vs 2% expense ratio costs over 20 years.
Asset Allocation Recommender
Equity/debt/gold split based on age and risk tolerance.
Retirement Corpus Calculator
How much you actually need at 60, inflation-adjusted.
NPS Calculator
Tier-1 corpus, lump-sum + annuity split, tax benefit.
Insurance3 tools
Tax4 tools
Home & Property4 tools
Home Loan EMI (with Tax Benefit)
EMI, total interest, 80C and 24(b) tax savings combined.
Rent vs Buy Calculator
With opportunity cost, stamp duty, brokerage and tax.
Stamp Duty Calculator
State-wise stamp duty + registration + women-buyer discount.
Property Affordability
Max property price based on income, EMI capacity, down payment.
