Personal Finance Calculators
Free tools to help you plan your finances. Version 4.0 — Updated Feb 2026
Originally available as a Google Sheet, now as an interactive website. All calculations happen in your browser — no data is sent anywhere.
Five Steps to Financial Freedom
- DEBT: Get rid of high interest debts like credit card debt, then personal loans, then car loans. Ideally, get rid of all debts.
- INSURANCE: Get term life insurance (25–35× annual expenses) and a health insurance floater plan for your entire family that can cover major procedures.
- EXPENSE < INCOME: Keep your expenses as low as possible while still being happy. Saving 50% of your income would be a great target.
- INVEST: Put half of savings into PPF/VPF/FD and the other half into Index Mutual Funds (Direct) or Index ETFs. Easy to start even on apps like PayTM Money.
- CONGRATS: Relax and allow the money to grow until it becomes at least 35× your annual expenses. You are financially free!
Choose a Calculator
Calcs — Financial Calculators
PPF Calculator, EMI Calculators (Loan → EMI & EMI → Loan), Investment Returns, Inflation / Future Value, and Making a Crore.
2Expense Track
Plan your monthly salary, track expenses & investments, monitor annual random expenses, and plan multi-year purchases like cars, phones & TVs.
3Tax — Income Tax Calculator
Map your salary slip to compute income tax under the New Tax Regime (2025–26). Track monthly deductions and see your tax balance.
4Retire — Retirement Calculator
How much do you need to retire? See how your savings rate determines how many years you need to work before achieving financial freedom.
5Post Retire — Corpus Usage
Track your retirement corpus year-by-year. See how it grows and shrinks based on expenses, inflation, and investment returns until it runs out.
How to Use
All amounts use Indian Rupee (₹) formatting with the lakh/crore number system. Enter your values in the yellow-highlighted fields and results will be computed automatically.
If you allow browser storage, your inputs will be saved locally on your device and restored when you return. No data is ever sent to any server.