Your financial
decisions, crystal clear.
Not a collection of calculators. A decision engine that connects the dots and tells you what to do next.
Independent decision-support tool. Not a financial services provider. No commission relationships with banks or insurers.
Zero
Biased recommendations
None
Hidden assumptions
AY 2026-27
Tax slabs
One number that captures your financial health
The Financial Health Score rolls up six pillars — savings rate, emergency cushion, debt load, income stability, diversification, and insurance — into a single 0-100 score. Updates every time you touch any tool on the site.
Check your scoreExample
82
Grade B
Five decision clusters
Every tool belongs to one of five decisions. Start with a cluster to see the tools that answer its question.
Cluster
9 toolsBorrow
Should you take this debt, and at what cost?
Explore borrowCluster
5 toolsHousing
Rent, buy, wait, or stretch?
Explore housingCluster
20 toolsPlan
Are you on track for your goals?
Explore planCluster
9 toolsTax & Salary
What's your real take-home, and which regime wins?
Explore tax & salaryCluster
13 toolsProtect
Are you and your family adequately insured?
Explore protectDecision Hubs
Start with a hub to get the full picture — or jump to a calculator below.
Can I Afford This?
The flagship flow that answers whether to buy now, wait, rent longer, or clear debt first.
Rent or Buy?
A supporting hub for drilling into the housing trade-off after you have a recommendation.
Am I On Track?
A supporting hub for salary, safety-net, and long-term planning once housing is settled.
Am I Adequately Insured?
A supporting hub that rolls up life, health, and critical-illness cover into a single adequacy verdict.
Popular tools
SIP Calculator
Will a steady SIP actually grow into the corpus you need? See the final number, what drives it, and whether your plan is aggressive, balanced, or lagging.
OpenHome Loan EMI Calculator India
How much will this home loan really cost — EMI, total interest, and whether a shorter tenure saves you more than a lower rate?
OpenSalary Tax Calculator India
Old regime or new regime — which one actually leaves more in your bank each month? See the winning monthly take-home, how much each deduction moves the needle, and what to change before your next tax declaration.
OpenLoan Affordability Calculator
Can your cash flow actually carry this EMI without wrecking the rest of your plan? See a safer home budget (not lender maximum), what trimming expenses or clearing existing debt unlocks, and a stress test for a rate hike before you commit.
OpenRent vs Buy Calculator
At your horizon, does renting or buying leave you wealthier? Compare the full net-worth picture, not just EMI vs rent.
OpenPPF Calculator
Will 15 years of PPF actually build a meaningful tax-free corpus? See the maturity amount, what drives it, and whether maxing the ₹1.5L cap is worth it for you.
OpenEMI Calculator
What's the monthly EMI, how much goes to interest, and what happens if you change the rate or tenure?
OpenRetirement Corpus Calculator
Will your current plan actually cover retirement? See the inflation-adjusted corpus you need, the gap after compounding your existing savings, and the monthly SIP that closes it — then stress-test inflation and return assumptions.
OpenWhy Artha Engine is different
No Bias. No Commission.
We never recommend products that pay us. Our suggestions are math-driven, not incentive-driven.
Decisions, Not Math
You don't need to understand NPV. You need to know whether to buy or rent. We give you the verdict.
Every Assumption Shown
Every calculation shows what was assumed and why. No black boxes. No hidden inputs.
Built for India
Indian tax slabs, real estate norms, and financial products. Not US defaults repackaged for rupees.