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Tool Kit

Free Finance Tools

Every tool below runs instantly in your browser — no sign-up, no downloads, and nothing you enter is sent to a server. Pick the one you need:

EMI Calculator

Find your exact monthly loan instalment for a home, car, or personal loan in seconds. Drag the sliders or type your numbers directly, and see your EMI, total interest, and total repayment update instantly.

Use the EMI Calculator →

GST Invoice Generator

Create a fully GST-compliant invoice for your business or freelance work — automatic CGST/SGST/IGST calculation, support for separate bill-to and ship-to parties, and updated for the current GST 2.0 rate slabs. Download or print as a PDF when you’re done.

Use the GST Invoice Generator →

FD Laddering Calculator

See how splitting a lump sum across staggered fixed deposits balances safety, liquidity, and return — enter your amount and number of rungs to see the full maturity schedule.

Use the FD Laddering Calculator →

In-Hand Salary Calculator

See how much money you will get in hand after all the detection from your salary — enter your salary and see how much money you will get in your bank after all your detection.

Use the In-Hand Salary Calculator →

TDS Calculator

See your exact monthly TDS deduction on salary, plus current thresholds for TDS on FD interest, rent, and professional fees for 2026 — including the raised Budget 2025 limits most calculators still show as outdated.

Use the TDS Calculator →

RD Calculator

See the exact maturity value of a Recurring Deposit at current rates — enter your monthly deposit, rate, and tenure for the full year-by-year growth.

Use the RD Calculator →

SCSS Calculator

For senior citizens: see your exact quarterly payout from the Senior Citizen Savings Scheme at the current 8.2% rate — higher than any bank’s senior citizen FD.

Use the SCSS Calculator →

Credit Card Eligibility Calculator

Enter your salary, employment type, and age to see which credit cards you’re realistically likely to qualify for — before applying and risking a hard inquiry on your credit report.

Use the Credit Card Eligibility Calculator →

Credit Card Limit Calculator

Already know you’re eligible? See how much credit limit you’d actually be offered, based on the real 2-3x income formula banks use, adjusted for your existing EMIs and CIBIL score.

Use the Credit Card Limit Calculator →

Education Loan EMI Calculator

See your real EMI after the moratorium period ends — including how much unpaid interest gets added to your principal if you don’t pay during your studies, and how the current interest rate on an education loan compares across public banks, private banks, and NBFCs.

Use the Education Loan EMI Calculator →

Free Personal Finance Toolkit (Downloadable Spreadsheet)

Prefer a spreadsheet you can keep? This free Excel/Google Sheets toolkit bundles an FD tracker, SIP tracker, expense tracker, and credit card due-date tracker into one file, with a live dashboard pulling totals from every tab automatically.

Get the Free Personal Finance Toolkit →

 

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