Every decision tool in one place
70 calculators, comparisons, and decision engines grouped by the question they answer. Jump directly to a tool or start with a cluster.
Start with Borrow when you are sizing a loan, checking EMI load, or comparing lender offers.
Use Tax & Salary before payroll declarations, job changes, or choosing old vs new regime.
Move to Plan and Protect for safety-net, investing, retirement, and insurance decisions.
Borrow
Should you take this debt, and at what cost?
Tools
Home 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?
EMI Calculator
What's the monthly EMI, how much goes to interest, and what happens if you change the rate or tenure?
Loan Eligibility Calculator
How large a home loan will banks actually sanction you? Apply the FOIR rule lenders use, see what a co-applicant or clearing existing EMIs unlocks, and stress-test it against a rate hike before you apply.
Loan 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.
Loan Comparison Calculator
Which lender offer is actually cheaper once fees, tenure, and rate all interact? Compare two loan offers on total cost (not just EMI), see what negotiating 0.5% off the winner or waiving the fee does to the bottom line, and pick with confidence.
Amortization Calculator
How much of every EMI goes to interest versus principal, and when does the balance finally start shrinking? See the full year-by-year schedule, spot the prepayment sweet spot, and test how a shorter tenure or a rate cut changes the whole trajectory.
Prepay vs Invest Calculator
Should your next ₹1 lakh kill loan interest or grow in an index fund? See the net benefit over your loan's remaining life.
Debt Payoff Planner
Which debt should you attack first, and how fast can you actually be debt-free? See the payoff order the avalanche method recommends, exactly how many months your extra payment saves, and what doubling it (or switching to snowball) does to the timeline.
Comparisons
Housing
Rent, buy, wait, or stretch?
Tools
Rent vs Buy Calculator
At your horizon, does renting or buying leave you wealthier? Compare the full net-worth picture, not just EMI vs rent.
Home Ownership Cost Calculator
What will this home really cost you each month? See the true carrying cost beyond the EMI — maintenance, property tax, and insurance — plus what a bigger down payment or shorter tenure does to the number.
Down Payment Planner
When will you actually be ready to buy? See the months to reach the down payment, the levers that shorten the runway, and what trimming the target price or stepping up savings really buys you.
Comparisons
Rent vs Buy: Which Wins for Your Stay Horizon?
Should you rent or buy at today's prices? See total cost of ownership vs renting over your stay horizon, what tips the verdict, and the crossover point where buying starts winning.
Prepay Loan or Invest in SIP?
Should you use your monthly surplus to prepay your home loan or invest in SIP? See which builds more wealth — and which is safer.
Plan
Are you on track for your goals?
Tools
Financial Health Score
Is your financial health actually improving? See your score across 6 pillars, simulate what-if scenarios, and compare against peers in your age band.
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.
FD Calculator
Will this FD actually grow your money after tax and inflation? See the maturity amount, what drives it, and whether a better alternative exists for your horizon.
PPF 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.
EPF Calculator
Will EPF alone fund your retirement? See the projected corpus at 60, what drives it, and whether a VPF top-up is worth considering.
Retirement 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.
FIRE Calculator
Can you actually retire early? See your inflation-adjusted FIRE number, the corpus your current contributions project to, and the gap — plus what happens if returns disappoint or you delay a few years.
Goal-Based Investment Planner
Will a monthly SIP actually get you to this goal on time? See the required amount, what drives it, and which lever — horizon, return, or scope — moves the needle.
Emergency Fund Calculator
Is your liquid cushion actually enough to survive a job loss? See the months you're covered, the shortfall, and what drives the target for your profile.
Net Worth Tracker
Is your balance sheet actually moving in the right direction? Capture assets and liabilities in one place, see how a market drop or property swing would reshape net worth, and track the trend month by month.
House Goal Planner
Can you actually afford this home? See the full capital required — down payment, stamp duty, interiors, and EMI reserve — plus how many months of saving it takes and what trimming the target buys you.
NPS Calculator
See what your NPS corpus will look like at retirement — including the mandatory annuity split and tax-free lump-sum withdrawal.
Comparisons
SIP vs FD — Which Builds More Wealth?
Should you put your monthly savings into an equity SIP or a recurring FD? See projected corpus for both, what tips the scale at different horizons, and when the FD's safety edge actually matters.
PPF vs EPF — Which Tax-Free Debt Wins?
Should you top up PPF or let EPF do the heavy lifting? See how both government-backed vehicles compare for the same annual contribution, what the rate gap means over time, and which lock-in suits your timeline.
NPS vs PPF
Which retirement lock-in is worth it for your tax bracket? Compare NPS equity returns against PPF's guaranteed, tax-free compounding.
Lumpsum vs SIP
Got a lump sum to invest? See whether deploying it all at once or spreading it via SIP builds more wealth over your horizon.
FD vs PPF
Which safe instrument actually beats inflation after tax? Compare FD's post-tax return against PPF's tax-free compounding.
Gratuity vs EPF
Which employer benefit matters more when you resign? See how gratuity and EPF compare at different tenures.
FIRE vs Traditional Retirement
Retire at 40 vs 60 — what's the real cost difference? See the corpus gap and what it takes to close it.
SIP vs PPF — Which Long-Horizon Winner?
Should your long-term savings go into an equity SIP or tax-free PPF? See projected wealth for both, what drives the gap, and when PPF's guaranteed return is the smarter bet.
Tax & Salary
What's your real take-home, and which regime wins?
Tools
Salary 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.
Tax Regime Comparison Calculator
Compare India's old and new tax regimes to see which one leaves more take-home income under your deduction profile.
CTC to In-Hand Salary Calculator
How much of that shiny CTC actually reaches your bank account each month? Break down the deductions, compare old vs new regime take-home, and see whether a higher basic or better 80C usage would help.
HRA Exemption Calculator
Is your HRA pulling its weight in your tax filing? See the exempt portion, which limb of the three-part rule is binding you, and whether restructuring rent or salary would raise your exemption.
Capital Gains Tax Calculator (AY 2026-27)
Compute capital gains tax under post-Budget-2024 rules for AY 2026-27. Listed equity (12.5% LTCG above ₹1.25L), real estate with the grandfathering choice (12.5% no-index vs 20% with-index) and Section 54 / 54EC reinvestment exemptions, debt MF April 2023 cliff, and other 24-month assets with Section 54F pro-rata.
Capital Gains Portfolio Calculator (Multi-Transaction, AY 2026-27)
Compute capital gains tax across ALL your transactions for the financial year — pools the ₹1.25L equity LTCG threshold correctly, applies Section 70/74 set-off (STCL → STCG → LTCG; LTCL → LTCG only), and surfaces carry-forward losses for next-year filing. Built for users with multiple equity sales, mixed asset classes, or LTCL/STCL netting needs.
Gratuity Calculator
When you leave your current role, how much gratuity lands in your account — and how much of it is taxed? See the payout, the ₹20L exemption math, and whether staying another few years changes the picture meaningfully.
Job Offer CTC Comparator
Compare two job offers side-by-side — break down every CTC component, see real in-hand salary under both tax regimes, factor in ESOPs with risk-adjusted valuation, and get a multi-dimensional verdict on which offer actually pays more.
Comparisons
Protect
Are you and your family adequately insured?
Tools
Term Insurance Calculator India 2026 — How Much Cover Do You Need?
How much term insurance do you actually need in India? Calculate the real life-cover gap across three methods — HLV, income, expenses. Free, 2026.
Health Insurance Calculator India — Is Your Sum Insured Enough?
Is your health cover enough for a real Indian hospitalisation? Check sum insured vs metro costs, flag room-rent sub-limit risk. Free, 2026.
Policy Quality Checker India - Audit Your Health Insurance
Audit an existing Indian health insurance policy for hidden claim traps: room-rent caps, co-pay, deductibles, waiting periods, exclusions, network, renewability, and claim-shock leakage.
Should I Surrender My LIC / ULIP / Endowment Policy? — Calculator
Compare three futures — keep paying, freeze (paid-up), or surrender and invest — for your LIC, ULIP, endowment, or guaranteed-return policy. Tax and term-cover replacement built in.
What insurance breaks when you change jobs? — Employer Cover Gap Calculator
Quantify the protection you'll lose when you resign — health, term, CI, PA, maternity — across spouse, kids, and parents. Get a numbered action checklist with target weeks-before-resignation timing.
Insurance Premium Calculator India 2026 — Lifetime Cost After Tax
What will a policy really cost you? See lifetime premium, 80D/80C tax savings, and the opportunity cost of every rupee. Free India 2026.
Critical Illness Cover Calculator India — Do You Actually Need It?
Do you need critical illness cover? See the gap after health + savings, your personal risk score, buy/skip verdict. Free India 2026.
Comparisons
ULIP vs MF + Term — Which Actually Builds More Wealth?
ULIP vs MF + Term — which actually builds more wealth? Side-by-side 20-year charge drag, effective returns, and the verdict. Free India 2026.
Term vs Return of Premium — Is the Refund Worth the Extra Cost?
Pure term + invest the difference vs Return of Premium — which actually ends richer? Free calculator with Indian term premiums and inflation-adjusted refund.
Base vs Super Top-Up: What's the Cheapest Way to Reach ₹40L Health Cover?
Single high base policy or smaller base + super top-up stack — which is cheaper for the same total cover? Free Indian calculator with cumulative premium savings.
Floater vs Individual Health Insurance: Which Is Cheaper for Your Family?
One shared floater pool or separate individual policies per member — which costs less AND protects each member fully? Free Indian calculator for family health cover with coverage-parity comparison.
Employer Health Insurance vs Personal: Do You Need Both?
You already have employer group health cover. Do you still need personal insurance? Free Indian calculator that models total cost to life expectancy — not just this year's premium.
Personal Accident vs Term Insurance: Cheaper Isn't Enough
Personal Accident premiums look cheap vs term — but PA only pays on accidental death and disability. 80% of death causes leave your dependents uncovered under PA-only. Free Indian calculator with coverage-share math.
Decide — Head to Head
A vs B: which wins for you?
Comparisons
Rent vs Buy: Which Wins for Your Stay Horizon?
Should you rent or buy at today's prices? See total cost of ownership vs renting over your stay horizon, what tips the verdict, and the crossover point where buying starts winning.
Old vs New Tax Regime — Which Saves More?
Should you file under the old or new tax regime this year? Enter your salary and deductions to see which regime saves more, what deduction level tips the scale, and how to lock in the lower tax bill.
Prepay Loan vs Invest Lump Sum — Which Builds More Wealth?
Should you prepay your loan or invest the lump sum? See guaranteed interest savings vs projected market returns, what rate gap tips the decision, and how tenure affects the verdict.
SIP vs FD — Which Builds More Wealth?
Should you put your monthly savings into an equity SIP or a recurring FD? See projected corpus for both, what tips the scale at different horizons, and when the FD's safety edge actually matters.
SIP vs PPF — Which Long-Horizon Winner?
Should your long-term savings go into an equity SIP or tax-free PPF? See projected wealth for both, what drives the gap, and when PPF's guaranteed return is the smarter bet.
PPF vs EPF — Which Tax-Free Debt Wins?
Should you top up PPF or let EPF do the heavy lifting? See how both government-backed vehicles compare for the same annual contribution, what the rate gap means over time, and which lock-in suits your timeline.
NPS vs PPF
Which retirement lock-in is worth it for your tax bracket? Compare NPS equity returns against PPF's guaranteed, tax-free compounding.
Lumpsum vs SIP
Got a lump sum to invest? See whether deploying it all at once or spreading it via SIP builds more wealth over your horizon.
FD vs PPF
Which safe instrument actually beats inflation after tax? Compare FD's post-tax return against PPF's tax-free compounding.
Prepay Loan or Invest in SIP?
Should you use your monthly surplus to prepay your home loan or invest in SIP? See which builds more wealth — and which is safer.
Gratuity vs EPF
Which employer benefit matters more when you resign? See how gratuity and EPF compare at different tenures.
FIRE vs Traditional Retirement
Retire at 40 vs 60 — what's the real cost difference? See the corpus gap and what it takes to close it.
Term vs Return of Premium — Is the Refund Worth the Extra Cost?
Pure term + invest the difference vs Return of Premium — which actually ends richer? Free calculator with Indian term premiums and inflation-adjusted refund.
Base vs Super Top-Up: What's the Cheapest Way to Reach ₹40L Health Cover?
Single high base policy or smaller base + super top-up stack — which is cheaper for the same total cover? Free Indian calculator with cumulative premium savings.