The real number,
not the headline number.
Financial decision tools that show what other calculators hide — purchasing power, real hikes, break-even salaries. No clutter, no ads.
Financial Tools
Each tool shows one insight no other Indian finance site shows.
Salary Sanity Checker
Compare purchasing power across Indian cities before switching jobs.
Shows your real hike after city cost adjustment
New vs Old Tax Regime
Find exactly how much tax you save — slab-by-slab — and which regime wins for your salary and deductions.
Shows the exact break-even point + monthly savings
Job Offer True Value Calculator
Strip any offer down to guaranteed monthly in-hand — separating fixed pay, variable risk, and one-time bonuses.
Shows your real recurring gain, not the CTC headline
Emergency Fund Runway Planner
Check if you can safely switch now by modeling runway based on expenses, savings, and risk profile.
Shows earliest safe switch month + savings gap
FD Ladder Planner
Split your FD amount across staggered maturities for liquidity and better blended returns.
Shows no-break runway months from FD ladder structure
SIP vs FD vs RD Comparison
Compare SIP, FD, and RD after tax and inflation for FY 2026-27 — not just the pre-tax number.
Shows the real, post-tax, inflation-adjusted winner
Goal-based SIP Calculator
Find the real monthly SIP needed to hit a goal — after inflation and tax eat into it, not before.
Shows how much a basic calculator underestimates your goal by
Rent vs Buy Calculator
Find the exact year buying overtakes renting — hidden costs and tax benefit included, not just EMI vs rent.
Shows the exact break-even year, not a single-point snapshot
RSU/ESOP Tax & Vesting Calculator
Find your real post-tax take-home from a stock grant — not the headline vesting value.
Foreign-share capital gains rules (24-month LTCG, no exemption), not domestic-equity rules
FIRE Calculator
Find your real India-specific FIRE number — not the US 4% rule, and aware that NPS stays locked until 60.
Splits your number into a pre-60 bridge corpus and a post-60 corpus NPS can help fund
Credit Card Recommender
Find the best card based on your actual monthly spend mix.
Shows effective cashback rate on your spend