Free Tools

Money Tools

Thirteen tools you won’t find on a typical bank or finance website — built to answer the real questions behind everyday money decisions, not just run the standard formulas.

Money Leaks & Behavior

Chai & Swiggy Leak Calculator — what your daily habits could be worth invested instead
FOMO Purchase Regret Calculator — what a past big-ticket buy would be worth today
Panic-Sell Cost Calculator — the real cost of selling in fear during a market crash

Retirement & FIRE

Retirement Corpus Longevity (SWP) Calculator — how long your corpus actually lasts
Coast FIRE Calculator — the age you could stop investing and still retire comfortably

Big Life Decisions

Loan Prepayment vs. Invest Calculator
Child Education Cost Inflation Calculator
Real Cost of Car Ownership Calculator

Career & Income

Job-Hopping vs. Loyalty Calculator
Career Break Cost Calculator
Salary Hike Reality-Check Calculator

Safety Net

Layoff Runway Calculator
Medical Emergency Shock Calculator

How these work: every calculator on this page runs standard, publicly documented financial formulas (EMI, compound interest, SIP future value, and similar) entirely in your browser — nothing you enter is sent to our server. Results are estimates for planning and education, not financial advice; actual outcomes depend on your lender, fund, and market conditions. Read our full editorial approach →

Money Leaks & Behavior

Retirement & FIRE

Big Life Decisions

Career & Income

Safety Net

Chai / coffee, daily (₹)

Cigarettes / gutkha, daily (₹)

Food delivery (Swiggy/Zomato), weekly (₹)

OTT & app subscriptions, monthly (₹)

Expected annual return if invested (%)

Time horizon (years)

What it could be worth instead ₹0

Monthly spend on these habits ₹0

Total spent over this period ₹0

Wealth gained by investing it ₹0

Spent Growth

What you spent (₹)

Years ago (or years from now)

Expected annual return (%)

It could be worth ₹0

What you actually spent ₹0

Growth missed out on ₹0

Crash scenario

Amount invested before the crash (₹)

Months spent in cash/FD before re-entering

Years since the crash

Assumed long-term market return (% p.a.) Cash/FD is assumed to earn 6% p.a. while parked.

Held through the crash —

Sold in panic, re-entered later —

Retirement corpus (₹)

Monthly withdrawal today (₹)

Expected return on remaining corpus (% p.a.)

Inflation — withdrawal grows each year (%)

Your corpus lasts —

Total withdrawn before it runs out ₹0

Your current age

Target retirement age

Current invested corpus (₹)

Desired monthly retirement income, in today's money (₹)

Expected investment return (% p.a.)

Inflation (% p.a.)

Coast FIRE status —

Corpus needed at retirement (25x rule) ₹0

Your corpus today, grown untouched to retirement ₹0

Outstanding loan amount (₹)

Loan interest rate (% p.a.)

Remaining tenure (years)

Extra amount available each month (₹)

Expected investment return (% p.a.)

Prepay the loan — Net worth at original tenure end

Invest the extra instead — Net worth at original tenure end

Cost of the course today (₹)

Years until your child needs it

Education inflation (% p.a.) Education costs typically inflate faster than general prices.

Expected SIP return (% p.a.)

Future cost of this course ₹0

Monthly SIP needed to get there ₹0

On-road price (₹)

Down payment (₹)

Loan interest rate (% p.a.)

Loan tenure (years)

Fuel + insurance + maintenance, monthly (₹)

Years you'll own it

Resale value at the end (% of on-road price)

Alternative: cabs/public transport, monthly (₹)

True cost of ownership ₹0

Monthly EMI ₹0

If you invested the difference instead ₹0

Current annual salary (₹)

Years to project

Annual hike if you stay loyal (%)

Hike when switching jobs (%)

Switch every N years

Stay loyal — Total earned: —

Switch jobs regularly — Total earned: —

Monthly SIP you'd pause (₹)

Monthly EPF contribution you'd pause (₹)

Length of the break (years)

Years remaining until retirement after you resume

Expected investment return (% p.a.)

Wealth gap at retirement ₹0

Contributions paused during the break ₹0

Current annual salary (₹)

Hike offered (%)

Inflation (% p.a.)

Extra tax rate on the incremental income (%)

Real purchasing-power gain 0%

Nominal hike 0%

After-tax new salary ₹0

Monthly essential expenses (₹)

Current emergency fund (₹)

Other monthly income during a job search (₹)

Stress-test: if the search takes this many months

Your runway —

Shortfall if the search takes that long ₹0

Your current health insurance cover (₹)

Hospitalization scenario

Current liquid savings (₹)

Out-of-pocket shortfall ₹0

Share of your savings this would wipe out 0%