Built for the Indian saver, not the advertiser.

What PaisaTools is

A free Indian personal-finance platform. It tracks live IPOs with grey-market premium and one-tap allotment checks, runs 67 money tools for tax, investing, loans and salary, publishes plain-English guides, and includes Market Racers, a free trading game that teaches risk with play money. Everything is free, there is no signup, and nothing is gated.

Who runs it

One person, independently, from India: Nilay Kabariya, founder and developer of PaisaTools. Nilay also writes at nilaykabariya.blog and posts on X as @EmotionalMatter.

There is no newsroom, no investor and no sales team, which is worth saying plainly because it shapes what this site is good at and what it is not. It is good at arithmetic you can check, rules stated precisely, and tools that load fast and keep your data on your device. It is not a substitute for a chartered accountant or a licensed adviser, and it never gives personalised investment advice.

How the money rules are kept right

Every tool here encodes real statutory rules, so the failure that matters is not a broken button — it is a correct-looking number computed from a rule that changed last April. Four habits guard against that.

• One definition per number. Tax slabs, the standard deduction, the rebate limit, surcharge bands and cess live in a single file that every calculator reads. A second copy is how two pages end up quoting different tax on the same salary — which had happened, and was fixed.
• Rates are verified before labels move. A stale year on correct maths is a small bug. A fresh year on stale maths is wrong tax advice, so the numbers are re-checked against current law first, domain by domain, and only then relabelled.
• Each tool names the year it implements. The tools currently apply FY 2026-27 (AY 2027-28), last reviewed September 2026. Where a rule genuinely has edge cases, the tool says so and routes you to the safer answer instead of projecting false confidence.
• Corrections are made, not buried. When something is found wrong it gets fixed and the reasoning is written down. Recent examples: a salary calculation that omitted surcharge above ₹50 lakh, and NRI pages still citing the 1961 Income-tax Act after the 2025 Act replaced it.

The full policy is in editorial standards.

Your data stays yours

The tools run in your browser and your figures stay on your device. Nothing you type into a calculator is sent to us. Even with optional account sync switched on, your data is encrypted on your device first, so the server holds only ciphertext it could not read if it tried. Details are in the privacy policy.

How the site makes money

At the moment, almost nothing. There are a small number of affiliate links, and where one appears it is disclosed on the page and in the disclaimer. An affiliate link never changes what a tool calculates or which option it ranks first. We do not sell your data, we do not run lead-generation for financial products, and we do not accept payment to recommend anything.

Found something wrong?

Please report it. A tax rule that moved, a figure that looks off, a page that will not load — all of it is worth knowing, and accuracy complaints get priority over everything else. Get in touch.