About FinKit
FinKit is a free personal finance tool suite built for India's salaried professionals, business owners, and anyone navigating the Indian financial system. Our tools help you calculate EMIs, plan tax savings, model SIP returns, and understand your loan obligations — all without signing up or sharing any personal data.
Every tool on FinKit is standalone and works entirely in your browser. We do not collect, store, or sell any data you enter.
FinKit is supported by Google AdSense display advertising. Ads appear on our pages but do not affect how our calculators work or what results they show. We do not receive payment from any bank, NBFC, or financial institution to feature their products or rates.
All tools are and will remain free. Advertising revenue simply helps keep the lights on.
FinKit sources data from publicly available official sources including the Income Tax Department (incometax.gov.in), Reserve Bank of India (rbi.org.in), SEBI (sebi.gov.in), PFRDA (pfrda.org.in), and individual bank websites. We aim to update tools whenever tax laws or rates change.
All results are estimates. Always verify with a qualified professional or official source before making financial decisions. See our full disclaimer for details.
FinKit is built and maintained by a technology professional with more than two decades of experience delivering large-scale software programmes in the financial services and payments industry. That background is in engineering and delivery, not in advisory: it is why the tools are built the way they are, and it is also why we are careful never to present them as advice.
We have chosen not to publish personal identifying details, and we think it is fair to tell you that plainly rather than imply a team that does not exist. What we offer instead is verifiability. Every rule our calculators apply is traceable to a named provision of Indian law or an official published source, and those citations appear on the tool pages themselves. You do not have to take our word for a number — you can check the section we relied on and satisfy yourself that we read it correctly.
If you find something we got wrong, write to us at contact@finkitindia.com. Corrections are published, not quietly buried.
Every tool starts with the underlying legal provision rather than with a formula copied from another website. Gratuity follows the Payment of Gratuity Act, 1972, applying the fifteen days' wages for every completed year of service under Section 4, using the twenty-six working day divisor and the statutory ceiling that applies to covered employees. HRA exemption follows Section 10(13A) read with Rule 2A of the Income Tax Rules, taking the lowest of the three prescribed amounts rather than any one of them. Income tax follows the slab structure, rebate, surcharge and cess as they stand for the assessment year shown on the page.
Where the law is genuinely ambiguous or depends on facts we cannot see — whether an employer is covered by a particular Act, how a specific allowance has been structured in your contract — we say so on the page instead of silently picking one interpretation. A calculator that hides its assumptions is worse than no calculator at all, because it produces a confident number you have no way to audit.
Compound growth tools such as the SIP and NPS calculators use standard future value mathematics and state the compounding frequency they assume. They are projections based on a return you supply, not forecasts. Nobody can tell you what a mutual fund will return, and any tool that appears to is showing you arithmetic dressed up as prediction.
Indian tax rules change, most significantly with the Union Budget each year, and slabs, limits and thresholds move with them. We review affected calculators after each Budget and after any mid-year notification that changes a figure we rely on. Tool pages carry a review date so you can see when the content was last checked rather than guessing from the copyright year in the footer.
When a reader reports a genuine calculation error, we investigate it, correct the tool, and update the review date on that page. We would much rather hear about a mistake than have it sit uncorrected because nobody wanted to bother us.
We are not financial advisers, chartered accountants, or tax practitioners, and we are not registered with SEBI, the Insurance Regulatory and Development Authority, or any other regulator to provide advice. Nothing on this site is a recommendation to buy, sell, or hold any financial product, or to structure your affairs in any particular way.
Our calculators give you an estimate based on the figures you enter and the rules as we understand them. They cannot see your full financial position, your employment contract, your existing investments, or the dozens of individual circumstances that change the right answer for you specifically. Before you act on any number produced here, check it against your own documents and, where the sum matters, take advice from someone qualified and accountable to you. Our full disclaimer sets out the limits of what we offer.
FinKit is part of a portfolio of India-focused free tool sites. Our sister site KisanApp provides free agricultural tools for Indian farmers — MSP calculators, Mandi prices, PM Kisan status and more in 7 Indian languages.