Free tools
Free financial calculators & tools
Every calculator needed to plan savings, pay off debt, calculate net worth, project financial independence, and check housing or visa eligibility. All 20+ tools run entirely in your browser — no signup, no data saved, no ads.
Savings & investment
Plan what you'll have and how long it takes to get there.
Compound interest calculator
Principal + monthly contributions at any rate and compounding frequency. Shows principal vs contribution growth separately.
Open →Savings goal calculator
Enter a goal and either monthly amount or target date — solves for the other. Monthly compounding included.
Open →Savings rate calculator
What percent of income actually reaches savings — the metric most correlated with years-to-FI.
Open →FIRE calculator
4% rule math. See your FI number, age at financial independence, and lean / regular / fat FIRE targets.
Open →Emergency fund calculator
How much cash to hold at 3-, 6-, or 12-month expense coverage.
Open →Net worth calculator
Personal balance sheet: assets − liabilities with liquid vs illiquid split and liability ratio.
Open →Debt & loans
Understand what you owe and how to get out faster.
Debt payoff calculator
Snowball vs avalanche side by side. See months and interest saved for your specific debts.
Open →Debt-to-income (DTI) calculator
Front-end and back-end DTI. The number lenders care about for mortgage approval.
Open →Bank-statement loan calculator
Self-employed mortgage estimator based on bank-statement underwriting rules.
Open →Qualifying income calculator
How lenders calculate qualifying income from salary, bonuses, self-employment, and rental.
Open →Rental yield calculator
Gross yield, cap rate, net yield, and cash flow for any rental property.
Open →Mortgage calculator
Monthly P&I plus full PITI with taxes and insurance. Shows year-1 vs final-year amortization.
Open →Auto loan calculator
Monthly car payment with trade-in, sales tax, and fees. Shows true cost above sticker.
Open →Rent vs buy calculator
Net worth comparison between buying and renting with invested down payment. Shows break-even year.
Open →Home affordability calculator
How much house can you afford? Solves backwards from DTI to max home price.
Open →Budgeting & spending
Get a plan for the money that comes in each month.
Budget starter calculator
50/30/20 baseline from rough income and expense inputs. Starter framework for a first budget.
Open →Subscription cost calculator
Tally monthly subscriptions and memberships. Shows yearly total and the biggest line item.
Open →Cash flow health check
Score of your cash-flow based on income, spending, savings, and buffers.
Open →Housing & application
For rentals, mortgages, and visa/immigration needs.
Rent affordability checker
How much rent you can comfortably afford on your income and debt load.
Open →Proof-of-income checker
Does your bank statement qualify as proof of income for rent / loan / visa?
Open →Proof-of-funds calculator
How much liquid cash counts as 'proof of funds' for visa / immigration applications.
Open →Proof-of-address checker
Is your bank statement valid proof of address for the document you need?
Open →Visa funds checker
Compute the bank balance needed for common visa / immigration financial thresholds.
Open →Income stability checker
How lenders and underwriters assess income consistency and reliability.
Open →Accounting & reconciliation
For bookkeeping and reconciling bank activity against records.
Lookups
Quick reference tools for bank codes and charges.
Billing descriptor lookup
Decode unknown charges on your bank statement by pasting the descriptor.
Open →IBAN validator
Check if an IBAN number is structurally valid (country, bank code, checksum).
Open →SWIFT / BIC code finder
Look up the SWIFT/BIC code for any bank worldwide by name, country, or branch.
Open →India-specific (₹)
Rupee-formatted tools for Indian banking, investing, and tax.
EMI calculator
Home, car, and personal loan EMI. Rupee-formatted with lakh / crore display.
Open →SIP calculator
Mutual fund SIP, lump sum, and step-up SIP for Indian mutual fund investors.
Open →FD calculator
Fixed Deposit maturity with quarterly compounding, TDS, and senior citizen bonus.
Open →HRA calculator
House Rent Allowance exemption under Section 10(13A). Metro / non-metro rules.
Open →PPF calculator
Public Provident Fund maturity (tax-free EEE) at current 7.1% government rate.
Open →Already have a bank statement?
Skip plugging numbers into calculators manually. Upload your bank statement PDF and get every calculator filled in with your actual data — income, spending, categories, subscriptions, and cash flow.
Upload a bank statement →