Personal Finance Tools Tools
Free personal finance tools grouped in one place.
Inflation-Adjusted Return Calculator India
Calculate your inflation-adjusted return in India and see your real rate of return after inflation. Compare nominal CAGR with real CAGR, estimate today's purchasing power, and understand how inflation affects your investment value over time.
ESIC Salary Calculator
Instantly calculate your ESIC contribution — employee share, employer share, and total deduction — based on your gross salary, employee category, and working days, as per the ESI Act, 1948.
Prepayment Outcome Side-by-Side Simulator
The Prepayment Outcome Side-by-Side Simulator compares reduce-EMI and reduce-tenure outcomes on your loan prepayment in one screen — new EMI, new tenure, and exact interest saved, aligned with RBI's 2025 prepayment charge rules.
Gratuity Calculator New Labour Codes: 50% Wage-Rule Payout
Gratuity calculator applying the new Labour Codes' 50% wage-rule to your CTC. Enter Basic, DA, and CTC to get an accurate payout — not the old 1972-only estimate.
Loan Prepayment vs Investment Calculator
A calculator comparing loan prepayment against investing a lump sum in India, factoring in RBI's 2025 prepayment-charge rules and the home loan interest deduction (Section 24(b) / Section 22(2)) you may lose by prepaying early.