8 min read
Monthly expenses of a middle-class family in India
Rent, school fees, groceries, help, insurance and parents. What a family of four actually spends in a metro versus a smaller city, line by line.
Read post
Loading…
Loading PaisaToolsLoading…
Loading PaisaToolsPaisaTools is a free Indian personal-finance platform — live IPO tracking, 52 money tools, plain-English guides, and MoneyVerse finance games. Everything runs in your browser; nothing you type ever leaves your device.
Start here
Jump straight to the right aisle — tax, loans, investing, GST, salary, NRI or live rates.
Score, compare & decide — not just calculate
SIP, FD, PPF, CAGR & more
EMI, amortization schedules
Calculator, reverse GST, GSTIN, late fee
Take-home salary, HRA, gratuity
Residency, NRE vs NRO, property TDS
Brokerage charges, trade journal, P&L
Payoff planning, interest and the minimum-due trap
Currency and lakh–crore–million–billion
Forex, gold, crypto (live)
Rates, taxes & money for the self-employed
Decide, don't just calculate
Have a surplus? Get a verdict on where every rupee should go
Score your finances 0–100 and see what to fix first
Check the interest EPFO credited for a year against what the rule actually produces
What your LIC / endowment / ULIP policy actually returns per year
True value of your SIP after inflation + tax (the shock number)
Should you rent or buy a home? See which leaves you richer
Just shipped
UPI, ATM or card payment failed? The RBI refund deadline, what the bank owes you, and a complaint letter
What an old shagun is worth today, what to give back, and a private family gift register
Home, car, MBBS, study abroad or IVF — a yes, stretch or not-yet on your income and savings
PPF vs NPS vs Mutual Fund vs FD — compare after-tax, after-inflation returns side by side
Free, private journal with pro analytics — R-multiple, expectancy, drawdown, equity curve
Answer a few questions, get the right ITR form and the rule behind it
Estimate your revised basic pay across the fitment factors being floated
How long to clear your card — and what paying only the minimum really costs
Track the latest grey-market premium, price band, subscription and full timeline for every open, upcoming and recently-listed IPO — then check allotment on the right registrar in one tap.
Live rates
Currencies, gold & silver, and crypto — refreshed live, with automatic multi-source fallback.
Answers, not just numbers
Tap a question to jump straight to the free tool that answers it — on your own numbers.
Gifts, sweets, lights aur kapde — poora hisaab, ek jagah.
Jewellery par kitna kat-ta hai, aur sona lene ka saaf tareeka.
Bonus salary ke saath jud-ta hai — slab kaise badalta hai.
Ek ghante ka session — aur kya isse sach mein faayda hota hai.
Rule of 72 se apne hi rate par hisaab, aur woh vaada jo kabhi pura nahi hota.
Har mahine kitna lagega, aur woh number umar ke saath kaise badalta hai.
MoneyVerse is a growing set of free financial games and simulations — practise real money decisions risk-free, in your browser, no signup. Worlds to play right now:
A realtime economy battle in a live 3D city — walk the streets, buy up shops and outtrade real players before the clock runs out.
Play Capital RushBuild a booming money town in 3D — place shops and landmarks, grow passive income and turn an empty plot into a thriving city.
Play BoomtownLearn
Short, opinionated guides that pair with the calculators.
8 min read
Rent, school fees, groceries, help, insurance and parents. What a family of four actually spends in a metro versus a smaller city, line by line.
Read post
9 min read
The fit-out is the half everyone budgets for. The deposit and the months of running costs before break-even are what actually close cafes.
Read post
7 min read
One tooth, ₹15,000 or ₹70,000, same procedure. The lever is the implant system, not the city — and insurance almost never pays for any of it.
Read post