Diagnose.Plan.Decide.

A financial operating system for Indian salaried professionals — grounded, transparent, opinionated. Know where you stand, plan what comes next, and simulate the big moments before they happen.

23+calculators
FY 25–26tax slabs
Freeno sign-up needed
SIP · 15y
▲ 14.6%
₹38,42,610
Home Loan · EMI
₹41,822/ month
Principal₹50,00,000
Interest₹50,37,280
Income Tax · FY26
New regime
68%
Take-home this year
₹13.6 L
You save ₹84,200 vs old regime
EMI calculated in 0.2s avgTax slabs updated for FY 25–26SIP projections out to 30yPPF interest auto-compoundedFinancial Health Score · newFD ladders supportedEMI calculated in 0.2s avgTax slabs updated for FY 25–26SIP projections out to 30yPPF interest auto-compoundedFinancial Health Score · newFD ladders supported
Why Finacls

Built like a notebook,
sharp like a spreadsheet.

Three things we obsess over so your numbers feel less like math homework and more like a decision.

01

Secure & private by default.

Every calculation happens in your browser. Numbers don't leave the page — not to us, not to anyone. The math is the product, not your data.

02

Lightning fast, no reloads.

Move a slider — the chart, the breakdown, the take-home all update in the same breath. Calculations land in under 200 milliseconds, every time.

03

Charts that actually mean something.

Year-by-year breakdowns, principal vs interest, tax regime comparisons — every number is plotted so you can see the decision, not just read it.

Health Score

Financial Health Score

Analyse your complete financial life — savings, debt, investments, safety & retirement — and get a personalised score with actionable insights.

SavingsDebt HealthEmergency FundRetirementTax Efficiency

Life Events

Plan for life's big moments

Big decisions only happen a few times in your life. Run the numbers before you say yes — baby, house, job switch, or worst-case job loss.

Browse events

Money Roadmap

Map every goal you're saving for

Add your goals — house, kids' college, retirement, that big trip. See them on one timeline and find out if your dreams are actually feasible together.

Build your roadmap
23 calculators · 1 hub

Explore Our Calculators

From everyday money math to long-term planning — pick a category or browse them all.

Investments & Growth

SIP Calculator

Project SIP returns with step-up, inflation, and multi-SIP compare

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Loans & EMI

EMI Calculator

Calculate monthly loan installments with full amortization

Open calculator
Tax & Income

Income Tax Calculator

Estimate your income tax liability for the year

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Investments & Growth

FD Calculator

Calculate fixed deposit maturity and total interest

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Investments & Growth

Compound Interest

See how money grows when interest compounds

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Loans & EMI

Mortgage Calculator

Find your monthly home-loan payment and payoff timeline

Open calculator
Investments & Growth

PPF Calculator

Plan long-term PPF maturity and yearly interest

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Tax & Income

Old vs New Tax Regime

Side-by-side comparison — pick the regime that saves more

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Investments & Growth

CAGR Calculator

Find the compound annual growth rate of an investment

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Goals & Planning

Retirement Calculator

Estimate the corpus you'll need to retire comfortably

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Investments & Growth

SWP Calculator

Systematic withdrawal — how long your corpus lasts

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Tax & Income

Salary Calculator

Break your CTC into monthly, weekly and hourly pay

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Tax & Income

GST Calculator

Add or remove GST from any invoice amount

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Tax & Income

Budget Calculator

Plan monthly income against expenses with ease

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Goals & Planning

Net Worth Calculator

Add up your assets and liabilities for a clear picture

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Loans & EMI

Loan Comparison

Compare two loan offers side by side to pick the better one

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Goals & Planning

Savings Goal

Calculate monthly savings needed to reach any goal

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Goals & Planning

Inflation Calculator

See how inflation eats into purchasing power

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Investments & Growth

ROI Calculator

Measure return on investment as a clean percentage

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Loans & EMI

Credit Card Payoff

Estimate how fast you can clear your credit card balance

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Goals & Planning

Simple Interest

Quick simple interest on any loan or deposit

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Loans & EMI

Down Payment

Work out the down payment needed for any purchase

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Tax & Income

Hourly to Salary

Convert an hourly wage to a full annual salary

Open calculator