Free tools

Free loan and tax calculators. Run your own numbers.

19 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

The honest math

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 needed

Credit 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 one

All-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 regime

Income 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 → Home loan eligibility

Your take-home pay, every EMI you already pay, and the FOIR limit a bank applies — see your FOIR today, the EMI room left and the largest home loan that fits, with the RBI loan-to-value cap as a cross-check. In English and Hindi.

Open → Rate teardown

Spread 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 planner

Apna Paisa

See how much of your salary is truly yours after every fixed cost. Private and offline — no SMS reading, no bank linking.

Open → Same EMI, shorter loan

Savings-Linked Home Loan Calculator

Keep money in the savings account linked to your home loan and interest runs only on the gap. Enter a steady balance or plan it month by month — see the months cut, the interest saved and the lower rate you effectively pay.

Open → The 85% that isn't

Gold 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 + interest

MSME 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 test

DSCR 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 limits

MSME 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 → Fee waived or rate cut?

Loan Offer Checker

Up to three loan offers with every fee, GST, insurance and charge folded in — what reaches you, what you pay, the APR, and the month a lower rate overtakes a fee waiver. Flat or reducing.

Open → Before you pay

Gold Jewellery Bill Checker

Rebuild a jewellery bill line by line — the fair rate for the purity, net weight, making and wastage, stones and 3% GST — and see what the same piece fetches back on exchange.

Open → Read it like a lender

CIBIL Report Analyser

Drop in your CIBIL report — PDF, scan or photo — and see every loan and card, any overdue, settled or written-off tag, and 36 months of payment history month by month. Export the whole review to Excel. Read on your device; nothing is uploaded.

Open → For business reports

Commercial CIBIL Analyser

Every facility on a company's commercial CIBIL report in one table — borrower and guarantor, asset class and DPD, overdue, written-off and suit-filed flags, totals by lender — plus directors and enquiries, ready for Excel.

Open → Form 141

Property TDS Calculator

The 1% a buyer deducts — on the price or the stamp duty value, whichever is higher — for your share of every payment, with each Form 141 due date, the Form 132 deadline, the NRI seller's rate and the cost of paying late.

Open → Break or borrow?

FD Break vs Loan Calculator

Break the deposit or borrow against it? The lower rate for the months it ran on the whole FD, payouts clawed back, the rest re-booked at today's rate — against loan interest that gets no tax deduction. Both routes to the maturity date, after tax.

Open →