Free tools

Money calculators, the way Indian banks and funds count

Plan a SIP, check a loan’s EMI, see what an FD pays, find your SIP’s real return or plan a goal. No sign-up, nothing stored. Looking for a how-to?

Spending & budgeting

Safe to Spend CalculatorWhat you can spend until payday
GST CalculatorAdd or remove GST, CGST/SGST
Wedding Budget CalculatorTotal cost and saving per month
Diwali Budget CalculatorGifts, sweets, travel — planned

Salary

Salary Budget CalculatorWhere your salary should go
Income Tax CalculatorOld vs new regime, 2026-27
CTC to In-Hand Salary CalculatorWhat reaches your bank each month
HRA CalculatorHow much of your HRA is tax-free
EPF CalculatorYour PF balance at retirement
Gratuity Calculator15 days’ pay for every year

Investing & mutual funds

SIP CalculatorWhat a monthly SIP grows to
FD CalculatorMaturity the way banks count it
SIP XIRR CalculatorThe real annual return of a SIP
CAGR CalculatorYearly and monthly growth of a lump sum
RD CalculatorRecurring deposit maturity
Lumpsum CalculatorA one-time investment, grown
Step-up SIP CalculatorRaise your SIP every year
PPF CalculatorTax-free maturity at 7.1%
NPS CalculatorCorpus, lump sum and pension
Sukanya Samriddhi CalculatorYour daughter’s account at 21
SWP CalculatorA monthly income from investments

Loans, EMIs & credit cards

EMI CalculatorLoan EMI, interest and payoff
Loan Prepayment CalculatorInterest saved by prepaying
Credit Card Payment CalculatorCost of paying only the minimum
Home Loan Eligibility CalculatorHow big a loan you can get
Car Affordability CalculatorThe 20/4/10 rule, in rupees

Planning & net worth

Goal PlannerHow much to save each month
Emergency Fund CalculatorHow much to keep aside
FIRE CalculatorYour early-retirement number
Inflation CalculatorWhat money is worth later
Net Worth CalculatorOwn minus owe, in one number
Rent vs Buy CalculatorWhich leaves you richer

Travel & trips

Trip Budget CalculatorWhat a trip costs each person
Trip Expense SplitterWho owes whom after a trip

Track it for real — free.

Banks, cards, bills, EMIs, goals and every investment in one app, with the one number that matters: what’s safe to spend.

Start using Spendly →

No bank login · no card · works in any browser