Free Tools

Financial Calculators

Free tools to plan your money moves — from quick standard calculations to a few things you genuinely won’t find on a typical bank website.

Original Tools You Won’t Find Elsewhere

Debt Freedom Calculator — simulates payoff across all your debts at once, snowball vs avalanche
Minimum Payment Trap Calculator — see the real cost of paying only your card’s minimum due
CIBIL Score Impact Simulator — estimate how common actions move your score

Standard Calculators

EMI Calculator — for home, car, or personal loans
SIP Calculator — for mutual fund investment planning
Compound Interest Calculator — for FDs, RDs, and general investments

Loan & Growth Calculators

Debt & Credit Tools

Loan Amount (₹)

Interest Rate (% p.a.)

Loan Tenure (Years)

Monthly EMI ₹0

Principal Amount ₹0

Total Interest Payable ₹0

Total Payment (Principal + Interest) ₹0

Principal Interest

Monthly Investment (₹)

Expected Annual Return (%)

Investment Duration (Years)

Maturity Value ₹0

Total Invested Amount ₹0

Wealth Gained ₹0

Invested Returns

Initial Investment (₹)

Annual Interest Rate (%)

Time Period (Years)

Compounding Frequency

Maturity Value ₹0

Principal Amount ₹0

Interest Earned ₹0

Principal Interest

Extra you can put toward debt each month (₹)

Credit Card Balance (₹)

Interest Rate (% p.a.)

Minimum Payment (% of balance)

Or: what if you paid a fixed amount instead? (₹/month)

Paying only the minimum — Total interest: —

Paying your fixed amount — Total interest: —

Check anything that applies (or that you're considering). This gives you a rule-of-thumb estimate based on publicly documented scoring factors — not an official CIBIL prediction, since the exact algorithm is proprietary.

Missed a payment by 30+ days -90 to -50 Credit utilization went above 30% -40 to -20 Credit utilization went above 75% -70 to -40 Closed your oldest credit card -30 to -10 2+ new loan/card applications in 3 months -25 to -10 Defaulted or settled a loan/card -150 to -75 Paid off a loan in full, on time +5 to +15 6+ months of consistent on-time payments +20 to +40

Estimated Score Impact 0

This is an educational estimate using widely published general scoring factors. Your actual CIBIL score depends on your complete credit history and the bureau's proprietary model — use this to understand direction and rough magnitude, not an exact number.