24 calculators.All of them show their working.
No sign-up. Nothing saved. Nothing sold.
Old regime or new?
Both, side by side, with the break-even point.
Work it out →What does ₹12L actually pay?
Spoiler: not ₹1 lakh a month.
Work it out →Is paying the minimum fine?
Find out how many years it takes.
Work it out →What does ₹5,000 a month become?
At a rate you pick — we do not guess.
Work it out →
Tax
Slabs, regimes, exemptions and capital gains.
Income Tax Calculator — Old vs New Regime
Compare your tax under both regimes side by side, with the slab-by-slab working and the deduction level at which they break even.
HRA Exemption Calculator
The three-part formula, worked out in full, showing which limb caps your exemption and why.
Capital Gains Tax Calculator
Equity, property, gold, debt funds and crypto under the rules as they stand after the July 2024 overhaul.
Presumptive Tax Calculator (44AD / 44ADA)
For freelancers and small businesses: what the presumptive schemes declare, and what that simplicity costs.
GST Calculator
Inclusive or exclusive, split into CGST/SGST or IGST, with the registration threshold check.
Salary and job
What an offer letter actually pays you.
Saving
Deposits and government schemes, after tax.
Fixed Deposit Calculator (with TDS and real return)
Maturity value, effective yield after quarterly compounding, TDS, and what the return looks like once tax and inflation are taken off.
PPF Calculator
A 15-year projection with a sensitivity view, because the rate is reset every quarter and will not stay where it is today.
EPF Calculator
What your PF builds to, and where the employer’s 12% actually goes — because not all of it reaches your EPF.
Sukanya Samriddhi Yojana Calculator
A full 21-year projection, including the six years at the end where deposits stop but interest does not.
Investing
Compounding, on assumptions you choose.
Borrowing
What debt costs, laid out month by month.
EMI Calculator with Amortisation Schedule
Your EMI, and the schedule that shows how little of an early payment actually reduces what you owe.
Loan Prepayment Calculator
What a lump sum or a higher EMI actually saves — and how differently reducing the tenure and reducing the EMI work out.
Credit Card Minimum Due Calculator
How long a balance takes to clear if you pay only the minimum, and what that costs in interest and GST.
Flat vs Reducing Interest Rate Converter
What a "flat rate" loan really costs, expressed as the reducing-balance rate loans are actually compared on.
Education Loan Calculator (with moratorium interest)
What an education loan really costs once moratorium interest capitalises, and what section 80E gives back.
Protection
Sizing cover, without selling any.
Planning
Emergency funds, inflation and retirement.
Goal SIP Calculator
Work backwards from a target: what monthly amount reaches it, in today’s money or inflated to the future price.
NPS Calculator
Corpus at 60, the compulsory annuity split, and the monthly pension that actually results.
Emergency Fund Calculator
How many months of cover your situation calls for, and what shifts the number up or down.
Inflation Calculator
What today’s money will buy later, and what a future cost is in today’s terms.
Real Return Calculator (post-tax, post-inflation)
What a return is actually worth once tax and inflation are taken off — often far less than the headline rate.
Retirement Corpus Calculator
What a retirement lasting twenty-five years actually costs, in inflated rupees.
Why do we not pre-fill 12%?
Every other site does. But a pre-filled return is a forecast wearing the costume of a default — and nobody, us included, knows what any investment will return. So where a rate has to be assumed, we leave it empty and ask you. Then change it, and watch how far the answer moves. That movement is the most useful thing these tools will ever show you.
A number is only half of it. The courses explain what is being calculated, the glossary defines the words on the form, and the source list shows where every rate came from.