Free tools
Employee finance
PPF, NPS, EMI, retirement and the personal-finance questions employees bring to HR.
7 tools · Free · No sign-up · Statutory figures reviewed 2026-09-22
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EMI Calculator
Work out a loan instalment, total interest, and what a monthly prepayment saves — including how much of the balance is still outstanding after one, three and five years.
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Freelance Rate Calculator
Work a day rate backwards from the income you want to take home — after tax, business costs, unbillable time and a buffer for late payers and gaps between engagements.
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GST Calculator
Add GST to an amount or extract it from a GST-inclusive one, with the CGST and SGST split for an intra-state supply or IGST for an inter-state one.
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NPS Calculator
Project a National Pension System corpus to retirement, and split it into the tax-free lump sum and the annuity — at least 40% of the corpus must buy an annuity, and the pension it pays is taxable.
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PPF Calculator
Project a Public Provident Fund balance over any term. PPF is exempt-exempt-exempt — the contribution is deductible, the interest is untaxed and the maturity amount is tax-free — with a ₹1.5 lakh annual limit.
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Retirement Planning Calculator
Work out the corpus you need at retirement after inflation, what you are on track for, and the monthly investment that closes the gap — plus what waiting five years to start would cost.
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Salary vs Cost of Living Calculator
Compare a salary across two cities using your own costs rather than a published index — the salary you would need to keep the same amount left over each month, and what an offer actually changes.
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