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.
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
Uncover the discount you give up and the fees hiding inside "no-cost" EMIs.
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.