Free tools
Run your own numbers.
12 free tools built from the lending desk — and one of them holds 24 calculators. Everything runs in your browser: no sign-up, no ads inside any tool, and nothing you type is uploaded.
- ₹0, always
- No login
- Works offline
- Nothing uploaded
Rent vs Buy
Three numbers, and the real answer — including what your down payment could have earned elsewhere. Renting isn't always throwing money away.
Open → No report neededCredit Score Simulator
Tap what's true for you and watch your score move — then read exactly what a lender sees in your file, and the one habit worth fixing first. Nothing to upload.
Open → 24 calculators in oneAll-in-One EMI Calculator
EMI, amortization schedule, prepayment, loan eligibility, SIP, FD, PPF, income tax and more — every calculator in one free app. Works fully offline.
Open → New & old regimeIncome Tax Calculator
Enter your income once and see both regimes computed slab by slab — rebate, marginal relief, surcharge and cess as separate lines, so you can check the arithmetic. FY 2026-27.
Open → Rate teardownSpread Check
Your floating rate is a benchmark plus your lender's spread. Split yours in two, price what the spread costs every month, and see whether repricing or a balance transfer pays for itself.
Open → Salary plannerApna Paisa
See how much of your salary is truly yours after every fixed cost. Private and offline — no SMS reading, no bank linking.
Open → Park or prepayOverdraft Home Loan Calculator
An overdraft home loan charges a higher rate on everything you owe, but saves interest only on what you park. Find the balance you must keep sitting there to break even — and what the account costs if you leave it empty.
Open → The 85% that isn'tGold Loan Reality Check
Stones come off the weight, the valuation uses the lower of the thirty-day average and yesterday's close, and on a bullet loan the ceiling applies to what you repay at the end — not what you take at the start. See what actually reaches your account.
Open → Principal + interestMSME Loan Calculator
Many business term loans aren't repaid by EMI — equal principal each month, interest charged separately on what's still owed. See the first, heaviest month, the full schedule, and how it compares with an EMI.
Open → The ratio banks testDSCR Calculator
Profit plus depreciation plus interest, over this year's interest and principal — the one number a business loan is decided on. See yours year by year, and the profit or loan size that would pass.
Open → 2025 limitsMSME Category Checker
Micro, small or medium — investment and turnover together, exports left out. See which number decides your category, how much room you have before the next one, and what it means at the bank.
Open → 15% to 35%PMEGP Subsidy Calculator
Your margin money subsidy, own share and bank loan — plus the three-year deposit, the interest it saves, and the loan you really repay, month by month.
Open →