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.
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 →