Know where every rupee is going.
Straightforward calculators for your loans, savings and small business — built by someone who spent a decade on the bank's side of the table.
Built by Siva Sagar — IIM Calcutta, former Chief Manager at ICICI Bank. Managed a ₹900 Cr corporate loan portfolio and worked on stressed-asset recovery. These tools put the maths banks use on your side.
Which loan should you close first?
Bank calculators look at one loan at a time. The EMI-Free Date Planner takes up to four (home, car, personal, consumer EMIs) and the money you can spare, then shows you:
- Which loan to close first, and how much more that order saves
- Your exact EMI-free month, with a countdown
- A money health check first: emergency fund, insurance, EMI load
- What to pay, and where, for the next 12 months
- Ready-to-send letters to your bank to prepay correctly or ask for a lower rate
Excel, Google Sheets and an offline web version. Your numbers stay on your device. Pay once, use forever.
₹50 L home loan at 8.5%, 20 years. Add ₹5,000 a month extra:
For you
Home loans, EMIs and everyday money decisions.
Home loan eligibility
How much will a bank lend you? Worked out the way a credit officer does it, with what would raise your amount.
Open calculator →Rent vs buy
Buy the home or rent and invest? Every real cost counted, with land and building valued separately.
Open calculator →Home loan balance-transfer break-even
Is switching banks worth the fees? See your real saving and the month you break even.
Open calculator →EMI-Free Date Planner
Plan all your loans together: which one to close first, and the exact month you'll be EMI-free.
Get it →Invest vs prepay
Should spare money cut your home loan or go into funds or FDs? Compare after tax, and see the return you must beat.
Open calculator →No-cost EMI true cost
Is "no-cost" really free? See the GST, fees and lost discount, and the real yearly rate you pay.
Open calculator →For your business
Margins, cash flow and getting bank-ready — for sellers and MSMEs.
Seller profit calculator
Your true profit per order on Amazon, Flipkart and Meesho after fees, shipping and GST.
COD & return cost analyzer
What cash-on-delivery and returns are really costing you per month.
Working-capital forecaster
See cash gaps coming weeks ahead, before they turn into a crisis.
MSME loan-readiness kit
Score your business the way a credit officer would, and fix the gaps before you apply.