Free Financial Tools
Every Number
You Need to Grow
From your child’s first investment to your retirement nest egg — interactive calculators to make smart money decisions at every stage of life.
👶 Kids & Family
Child Investment
How much will regular investing grow by the time your child is an adult?
Child’s age0 yrs
Monthly contribution₹15,000
Return rate7%
₹0
at age 18
Invested₹0
Growth₹0
Multiple0×
Gift Money Grower
If grandma gifts money every birthday, what’s it worth when your child grows up?
Annual gift amount₹40,000
Child’s current age2 yrs
Return rate7%
₹0
at age 18
Total gifted₹0
Interest₹0
Allowance Saver
Teach kids the power of saving a portion of their weekly pocket money.
Weekly pocket money₹750
% saved50%
Years10 yrs
₹0
total saved (with 5% interest)
Saved per year₹0
Interest earned₹0
College Savings
Set a tuition target and find out how much you need to save monthly to hit it.
College cost target₹60,00,000
Child’s current age5 yrs
Already saved₹4,00,000
₹0
needed per month
Years to save13
Gap to fill₹0
💰 Savings Goals
Emergency Fund Builder
How long until your emergency fund covers the recommended 3–6 months of expenses?
Monthly expenses₹25,000
Currently saved₹75,000
Monthly saving₹40,000
0 mo
to reach 3-month fund
3-mo target₹0
6-mo target₹0
6-mo timeline0 mo
Savings Goal Planner
Set any savings goal and find how long it takes — or how much to save monthly.
Goal amount₹750,000
Already have₹75,000
Monthly saving₹20,000
0
months to goal (at 4% interest)
Finish date—
Interest earned₹0
FD vs Regular Savings
Compare how much more you earn in a Fixed Deposit vs a regular savings account.
Deposit amount₹750,000
FD interest rate4.5%
Years5 yrs
₹0
extra earned in HYSA
Savings (3.5%)₹0
HYSA₹0
Inflation Eroder
What is today’s money actually worth in the future? See how inflation eats your purchasing power.
Today’s amount₹750,000
Inflation rate3%
Years ahead20 yrs
₹0
buying power in future dollars
Value lost₹0
% retained0%
💳 Debt Management
Debt Payoff Planner
Avalanche vs Snowball — compare strategies to kill debt faster.
Total debt₹12,00,000
Interest rate (APR)18%
Monthly payment₹30,000
0 mo
until debt-free
Total paid₹0
Interest paid₹0
Min payment₹0
Credit Card Crusher
How much does paying only the minimum cost you? See the true price of credit card debt.
Balance₹4,00,000
APR22%
Your monthly payment₹15,000
0 mo
to pay off
Total interest₹0
Min-only cost₹0
You save₹0
Loan Repayment
Calculate monthly payments for any personal, auto, or student loan.
Loan amount₹15,00,000
Annual interest rate6%
Loan term5 yrs
₹0
monthly payment
Total paid₹0
Total interest₹0
Debt-Free Date Finder
Pick a date you want to be debt-free and see exactly what monthly payment gets you there.
Total debt₹20,00,000
Interest rate9%
Target months36 mo
₹0
required monthly payment
Debt-free by—
Interest cost₹0
📈 Investing
Compound Interest
The most powerful force in finance — watch money multiply over time.
Initial investment₹4,00,000
Monthly addition₹15,000
Return rate8%
Years20 yrs
₹0
final balance
Invested₹0
Gains₹0
Multiple0×
Nifty 50 Growth Estimator
Using the historical ~10% average annual return of the S&P 500.
Lump sum investment₹750,000
Monthly SIP₹20,000
Years invested25 yrs
₹0
at 12% avg annual return
Invested₹0
Market gains₹0
Dividend Income
How much passive income can your portfolio generate from dividends?
Portfolio value₹7500,000
Dividend yield3%
Years of DRIP10 yrs
₹0
annual dividend income (now)
Monthly₹0
After DRIP₹0
DRIP portfolio₹0
Rule of 72
The classic shortcut: how long to double your money at a given return rate?
Annual return rate7%
Starting amount₹750,000
0 yrs
to double your money
Doubled value₹0
Tripled in0 yrs
10× in0 yrs
🏠 Home Buying
Home Loan Calculator
What’s your monthly home loan EMI? How much interest will you pay over the loan tenure?
Home price₹80,00,000
Down payment20%
Interest rate6.5%
Term30 yrs
₹0
monthly payment (P&I)
Loan amount₹0
Total interest₹0
Total cost₹0
Down Payment Saver
How long until you’ve saved enough for a down payment on your dream home?
Home price₹30,000,000
Down payment %20%
Currently saved₹15,00,000
Monthly saving₹75,000
0 mo
until down payment ready
Target₹0
Ready by—
Rent vs Buy
Is buying better than renting over your time horizon? Find your break-even point.
Monthly rent₹18,000
Home price₹80,00,000
Years you’ll stay7 yrs
—
is better over your timeline
Rent total₹0
Buy net cost₹0
Break-even— yrs
🌅 Retirement
FIRE Calculator
Financial Independence, Retire Early — what’s your number and when can you reach it?
Annual expenses₹40,00,000
Current savings₹40,00,000
Annual savings₹30,000
₹0
FIRE number (25× rule)
Years to FIRE0 yrs
Savings rate0%
SWR income₹0
Retirement Nest Egg
Will you have enough to retire comfortably? Project your nest egg at retirement age.
Current age35 yrs
Retirement age65 yrs
Current savings₹40,00,000
Monthly contribution₹40,000
₹0
projected nest egg
Monthly income₹0
Years invested0
EPF / NPS Growth
See how EPF employer matching + NPS contributions build your retirement corpus.
Annual CTC₹8,00,000
Your EPF/NPS %6%
Employer EPF %3%
Years30 yrs
₹0
at 7% annual return
Your contribution₹0
Employer adds₹0
Employer adds/yr₹0
✨ Fun & Eye-Opening
The Latte Factor
What if you invested your daily chai or coffee money? The answer will shock you.
Daily chai/coffee spend₹150
Days per week5 days
Years30 yrs
₹0
if invested at 8% instead
Spent on chai₹0
Annual chai cost₹0
Born a Crorepati
How much would parents need to invest at birth to guarantee their child is a crorepati?
Target at age 65₹75,000,000
Expected return7%
₹0
one-time investment at birth
Years growing65
Money multiplies0×
Monthly alternative₹0
Tax Refund Investor
What if you invested your tax refund every year instead of spending it?
Annual tax refund / bonus₹25,000
Years20 yrs
Return rate7%
₹0
if you invested every bonus/refund
Bonuses received₹0
Extra from growth₹0
Subscription Cost Revealer
How much do your streaming, app, and subscription services actually cost over time?
Monthly subscriptions total₹1,500
Years10 yrs
₹0
spent on subscriptions
Invested at 8% instead₹0
Opportunity cost₹0