Free tools
Calculators that give you a straight answer.
Seventeen tools. No sign-up, no email capture, no product pitch at the end. Each one shows its assumptions, the maths behind it and where the rules come from.
Tax
What you owe and what you keep — FY 2026-27 rules.
Old vs new tax regime
FY 2026-27 slabs, rebate, surcharge and cess — side by side.
Open calculatorTake-home salary
CTC to monthly in-hand after PF, gratuity, professional tax and TDS.
Open calculatorHRA exemption
The three limits, which one binds — with the new eight-city 50% rule.
Open calculatorAdvance tax planner
Instalments, due dates and the interest for paying late or short.
Open calculatorCapital gains & tax harvesting
Equity gains tax for FY 2026-27 and what you can book tax-free.
Open calculatorGratuity
The formula amount, the ₹20 lakh exemption and the taxable part.
Open calculatorPlanning
Long-term goals, with every assumption on the table.
Retirement calculator
The corpus you need after inflation, and the step-up SIP to start with.
Open calculatorNPS calculator
Corpus, lump sum and pension under the December 2025 exit rules.
Open calculatorPPF calculator
15 years and five-year extensions at the notified rate, year by year.
Open calculatorGoal SIP with step-up
A child's education or any goal: future cost and the SIP to start with.
Open calculatorSIP & goal calculator
SIP growth with step-up, or the SIP needed for any goal.
Open calculatorSWP calculator
How long your money lasts with inflation-linked withdrawals.
Open calculatorLumpsum & CAGR
One-time investment growth and true annual return.
Open calculatorTerm insurance cover
The life cover your family actually needs.
Open calculatorLoans & cash flow
Borrowing, buffers and the monthly budget.
A note on assumptions
Calculators simplify. Real life doesn't.
These tools use steady returns and inflation. Real life has bad years, tax, changing incomes and more than one goal at a time. Use them to get your bearings; they are education, not advice. For the tax side of your numbers, we can help.