67 tools
Every PaisaTools utility
Built for the Indian saver, investor, freelancer, and business owner. All math runs in your browser.
16 tools
Money Decisions
Money Decision Engine
Have a surplus? Get a verdict on where every rupee should go
Financial Health Score
Score your finances 0–100 and see what to fix first
Where Should I Invest?
PPF vs NPS vs Mutual Fund vs FD — compare after-tax, after-inflation returns side by side
Can I Afford It?
Home, car, MBBS, study abroad or IVF — a yes, stretch or not-yet on your income and savings
Failed Transaction Compensation
UPI, ATM or card payment failed? The RBI refund deadline, what the bank owes you, and a complaint letter
PF Interest Checker
Check the interest EPFO credited for a year against what the rule actually produces
Shagun Calculator
What an old shagun is worth today, what to give back, and a private family gift register
Ghar ka Monthly Budget Planner
Real monthly cost + free Excel sheet
Diwali Budget Planner
Gifts, sweets, clothes, Dhanteras gold — your Diwali plan against your budget, and what to trim
Policy Reality Check
What your LIC / endowment / ULIP policy actually returns per year
Wealth Reality Check Calculator
True value of your SIP after inflation + tax (the shock number)
Rent vs Buy Calculator
Should you rent or buy a home? See which leaves you richer
Job Offer Comparison
Two offers? Compare real in-hand pay, not just CTC
Full and Final Settlement Checker
Resigned? What your F&F should include, the legal 2-working-day deadline, how late it is, and an email to HR
Prepay vs Invest Calculator
Prepay your home loan or invest the surplus? See which wins
Credit Card vs Personal Loan
Carrying card debt at 40%? See what a personal loan or transfer would save
14 tools
Investing
SIP Calculator
Plan systematic investments
Step-Up SIP Calculator
Top-up your SIP yearly — see how much more it builds
Lumpsum Calculator
Future value of a one-time investment
SWP Calculator
Systematic withdrawal planning
CAGR Calculator
Compound annual growth rate
Retirement Calculator
How much you need to retire
FD Calculator
Fixed deposit maturity
RD Calculator
Recurring deposit maturity
Post Office RD Calculator
Maturity on the current notified rate, what a missed instalment costs, and what the advance rebate is really worth
PPF Calculator
Public Provident Fund returns
Sukanya Samriddhi (SSY) Calculator
Maturity value of the girl-child savings scheme
NPS Calculator
Pension corpus & monthly pension at 60
Compound Interest
Compounding returns
Simple Interest
Plain interest math
5 tools
Loans
EMI Calculator
Loan EMI + amortization schedule
No-Cost EMI Calculator
What a no-cost EMI really costs vs paying in full — GST, fee, lost discount and the true yearly rate
Home Loan Eligibility Calculator
How much home loan you can get on your salary
Reduce EMI or Tenure Calculator
Prepaying or rate changed? Reduce-EMI vs reduce-tenure side by side, plus a ready letter for your bank
Gold Loan Calculator
How much loan you can get per gram of gold
15 tools
Tax & Salary
EPF Withdrawal Tax Calculator
What a PF withdrawal before five years actually costs — the three heads it splits across, and why TDS is not the tax
Salary Decoder
One CTC in — in-hand, tax regime, SIP, rent & loan headroom out
Which ITR Form?
Answer a few questions, get the right ITR form and the rule behind it
Income Tax Calculator
Old vs New regime, side by side (FY 2026-27)
8th Pay Commission Calculator
Estimate your revised basic pay across the fitment factors being floated
Advance Tax Calculator
Next advance tax instalment and 234B / 234C interest for FY 2026-27
DA Arrear Calculator
DA or pensioner DR hike on your basic — monthly increase, arrear and a month-by-month table
Crypto Tax Calculator
30% tax + 1% TDS on crypto gains (India)
Capital Gains Tax Calculator
LTCG & STCG tax on shares and mutual funds
Overtime Salary Calculator
Log daily hours, get overtime pay, export timesheet
Salary Calculator
Take-home salary (FY 2026-27)
In-Hand Salary Calculator
CTC to monthly take-home, with full breakup
HRA Calculator
House rent allowance exemption
Gratuity Calculator
End-of-service gratuity
Salary Hike Calculator
Your new salary after a % hike, instantly
3 tools
NRI
NRI Property Sale TDS
Selling Indian property as an NRI? See what the buyer must withhold before you sign
NRE vs NRO Account
Your Indian rent legally can't go where most NRIs put it — find your right account
NRI Residency Status
Days in India decide if your global income is taxable — check which rule applies
3 tools
Demat & Trading
Live Rates
Live Rates
Answers, not just numbers
Money questions people actually ask
Tap a question to jump straight to the free tool that answers it — on your own numbers.
Diwali par kitna kharcha hota hai?
Gifts, sweets, lights aur kapde — poora hisaab, ek jagah.
Dhanteras par sona kitna lena chahiye?
Jewellery par kitna kat-ta hai, aur sona lene ka saaf tareeka.
Diwali bonus par tax kitna lagega?
Bonus salary ke saath jud-ta hai — slab kaise badalta hai.
Muhurat trading kya hai, aur kab hai?
Ek ghante ka session — aur kya isse sach mein faayda hota hai.
Paisa double kaise kare — kitne saal lagenge?
Rule of 72 se apne hi rate par hisaab, aur woh vaada jo kabhi pura nahi hota.
1 crore kaise banaye — kitna aur kitne saal?
Har mahine kitna lagega, aur woh number umar ke saath kaise badalta hai.
CA banne ke liye kitna paisa lagta hai?
Institute fees are the small part — the real bill is the years, and we add them up.
Post office me paisa double kitne saal mein hota hai?
KVP ka asli hisaab — aur woh scheme jo isse jaldi double karti hai.
What are my real IPO allotment chances?
Your odds from the live subscription figures, lot by lot, before you apply.
Kota coaching ka asli kharcha kitna hai?
Coaching fees, hostel, mess and the year nobody budgets for — the full total.
IPO allotment status kaise check kare?
Ek tap me registrar tak — PAN daaliye, allotment ka result seedha dekhiye.
Cab driver ki kamai kitni hoti hai?
EMI, fuel aur commission nikalne ke baad haath me kya bachta hai.
Ghar baithe paise kaise kamaye?
Jo kaam sach me chalte hain, aur woh jo sirf sunne me acche lagte hain.
Is the grey-market premium actually worth trusting?
We scored past IPOs against their GMP, so you can see how often it was right.
Shagun me kitna dena chahiye?
Jo unhone diya tha, aaj ke hisaab se kitna banta hai — inflation ke saath.
Which IPOs are open right now, and what's the GMP?
Live subscription and grey-market premium, with a one-tap allotment check.