For teachers, colleges, NGOs and organisers
Free financial literacy kit
Six ready money lessons for Indian students and families, each with a plain guide, a calculator to try their own numbers, a Hindi version where we have one, and a classroom activity. Free to use, no sign-up.
1. Budget a month
Where a salary goes, and why saving has to come first.
- Read: How to make a monthly budget
- हिंदी में: पैसे कैसे बचाएं? ₹15,000 की salary में
- Try it: In-hand salary calculator
Classroom activity: Give each group a ₹15,000 monthly salary. They list rent, food, travel, phone and family support, then decide the savings line FIRST and cut the others to fit.
2. Saving and compounding
Why starting early beats saving more later.
- Read: Simple vs compound interest
- हिंदी में: SIP क्या है?
- Try it: Compound interest calculator
Classroom activity: Compare ₹1,500 a month for 5 years in a recurring deposit with the same amount for 20 years. Students predict the gap first, then check it in the calculator.
3. Your first salary
CTC, in-hand pay, PF and tax, read off a real payslip.
- Read: How to read your salary slip
- हिंदी में: 1 लाख कैसे जमा करें?
- Try it: CTC to in-hand calculator
Classroom activity: Take a ₹6 LPA offer. Students guess the monthly in-hand amount, then find where the difference goes: PF, tax and other deductions.
4. Borrowing and EMIs
The real cost of a loan, a credit card or a "no-cost" EMI.
- Read: No-cost EMI: the real cost
- Try it: EMI calculator
Classroom activity: Price a ₹60,000 phone three ways: full payment, a no-cost EMI and a credit card minimum payment. Rank them by total cost.
5. The emergency fund
Why the first savings goal is safety, not returns.
- Read: How much emergency fund do you need?
- हिंदी में: Emergency में पैसे कहाँ से लाएं?
- Try it: RD calculator
Classroom activity: Each student lists one month's essential costs and works out how many months of saving it takes to cover three months of them.
6. Your rights as a customer and an employee
Deadlines and compensation the law already gives you.
- Read: Failed UPI or ATM payment: what the bank owes
- हिंदी में: Full and final settlement कितने दिन में?
- Try it: Full and final settlement checker
Classroom activity: A UPI payment failed on the 1st and came back on the 6th. Using the RBI rule, students work out how many days late the bank was and what it owes.
Free Excel worksheets
Live formulas, ready to project or hand out. Licensed CC BY 4.0: share and adapt with credit.
- ⬇ 1 lakh savings planner
Months to ₹1 lakh on a given salary, plus a 36-month tracker.
- ⬇ Reduce EMI or tenure
What a loan prepayment saves, both ways.
- ⬇ EPF interest for one year
Month-by-month, the way EPFO computes it.
- ⬇ DA arrear (July 2026)
Your basic month by month, plus every 7th CPC pay level.
- ⬇ HRA calculation, month by month
Each month's rent and city, with every limit as a formula.
- ⬇ Salary slip with formulas
Loss of pay, PF, ESI, professional tax and net pay.
- ⬇ Full and final settlement
What a leaving employee is owed, and by when.
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<a href="https://paisatools.co.in/financial-literacy-kit">Free Financial Literacy Kit (PaisaTools)</a>PaisaTools is free and needs no sign-up. Some calculator pages carry clearly marked broker referral links; the guides, worksheets and lessons on this page do not depend on them. Everything here is information for learning, not financial advice.