🇮🇳 Free Tools · No sign-up · India

Free Financial Tools
for India

EMI, income tax, SIP, HRA and more — all free, no login, no data stored. Built for India's working professionals.

9 Live tools
2 Languages
₹0 Cost
0 Data stored
Available tools
→ 🏦
EMI Calculator
ईएमआई कैलकुलेटर

Calculate monthly EMI for home loan, car loan, personal loan and education loan. Includes amortization schedule and current bank rates.

Home loan Car loan Personal Amortization
→ 📋
Income Tax Calculator
इनकम टैक्स कैलकुलेटर

Old vs new regime comparison for FY 2026-27. HRA, 80C, standard deduction included.

Old regime New regime FY 2026-27
→ 🏠
HRA + 80C Planner
HRA + 80C प्लानर

Calculate HRA exemption and plan your 80C deductions across PPF, ELSS, LIC and EPF.

HRA 80C PPF / ELSS
→ 📈
SIP Calculator
SIP कैलकुलेटर

Calculate SIP returns, lumpsum vs SIP comparison, and inflation-adjusted wealth creation.

SIP Lumpsum CAGR
→ 💰
NPS / PPF / FD Comparator
NPS / PPF / FD तुलना

Compare returns, tax treatment and liquidity across NPS, PPF and fixed deposits side by side.

NPS PPF FD
→ 🎁
Gratuity Calculator
ग्रेच्युटी कैलकुलेटर

Calculate gratuity eligibility, payout amount and tax exemption on exit or retirement.

Gratuity Tax exempt Retirement
→ 💼
Salary Calculator
वेतन कैलकुलेटर

Calculate your exact monthly in-hand salary from CTC. Includes EPF, professional tax, TDS and full breakup.

In-hand salary CTC breakup TDS / EPF
→ 📊
Expense Tracker
खर्च ट्रैकर

Track monthly expenses by category. See where your money goes and how much you save each month.

Monthly budget Category split Savings %
→ 📈
Portfolio Tracker
पोर्टफोलियो ट्रैकर

Track stocks and mutual funds. See gain/loss per holding and overall portfolio return at a glance.

Stocks Mutual Funds Gain / Loss
Why FinKit
🔒
No data stored

All calculations happen in your browser. We never collect or transmit any financial data you enter.

🆓
Always free

No subscription, no login, no paywall. Every tool on FinKit is free to use, forever.

🇮🇳
Built for India

Indian number formats, RBI-sourced rates, Indian tax slabs, and bilingual EN/HI support.

Learn · Guides & Explainersसीखें · गाइड्स और व्याख्याएं
Personal Finance Guidesव्यक्तिगत वित्त गाइड्स
📋 Old vs New Tax Regimeपुरानी बनाम नई कर व्यवस्था Which saves you more in FY 2026-27?FY 2026-27 में कौन ज़्यादा बचाती है? → 🏠 HRA Exemption ExplainedHRA छूट की जानकारी The 3-condition rule with worked examples3-शर्त नियम और उदाहरण सहित → 📈 SIP vs LumpsumSIP बनाम एकमुश्त Which approach builds more wealth?कौन सा तरीका ज़्यादा संपत्ति बनाता है? → 💰 NPS vs PPF vs FDNPS बनाम PPF बनाम FD Full comparison with 20-year projections20 साल के अनुमान सहित तुलना → 📊 Stock Portfolio Tracker Guideस्टॉक पोर्टफोलियो ट्रैकर गाइड Track stocks & MFs — P&L, XIRR, allocationस्टॉक और MF ट्रैक करें — P&L, XIRR, एलोकेशन →
📖 Every calculator states the law it applies — the Payment of Gratuity Act 1972, Section 10(13A) and Rule 2A for HRA, and the current slab structure for income tax. Read our methodology. हर कैलकुलेटर बताता है कि वह कौन सा कानून लागू करता है — उपदान भुगतान अधिनियम 1972, HRA के लिए धारा 10(13A) और नियम 2A, और आयकर के लिए वर्तमान स्लैब। हमारी पद्धति पढ़ें।
✉ Found a calculation error, or a rule we have not updated since the last Budget? Tell us at contact@finkitindia.com — we investigate every report and reply within 3 working days. Contact page. कोई गणना त्रुटि मिली, या कोई नियम जो हमने पिछले बजट के बाद अपडेट नहीं किया? हमें contact@finkitindia.com पर बताएं — हम हर रिपोर्ट की जांच करते हैं और 3 कार्य दिवसों में उत्तर देते हैं। संपर्क पृष्ठ।
🚫 We take no payment from any bank, NBFC, broker or insurer to feature or rank their products. FinKit is funded by display advertising alone. हम किसी बैंक, NBFC, ब्रोकर या बीमाकर्ता से उनके उत्पाद दिखाने या रैंक करने के लिए कोई भुगतान नहीं लेते। FinKit केवल विज्ञापन से चलता है।
⚖ Disclaimer

FinKit tools are for informational and educational purposes only. Results are estimates and should not be treated as financial, tax, or legal advice. Always consult a qualified Chartered Accountant or financial advisor before making financial decisions. FinKit is not affiliated with any bank, NBFC, or government body. No data you enter is collected or stored.