Do the maths before you decide.

Loan vs FDDoes borrowing and keeping your money in an FD / mutual fund beat paying cash?Open Loan Interest vs FD InterestCompare the interest you pay on a loan with the interest the same money would earn.Open Loan Interest vs EMI-SWP InterestCould a corpus paying your EMI through a withdrawal plan beat the loan?Open Loan Prepayment vs InvestUse a lump sum to prepay the loan, or invest it?Open Loan BasicEMI, total interest and a year-wise schedule.Open Loan AdvanceSee how extra repayments shorten the loan and cut interest.Open Time Value of EMIWhat your EMI really costs once inflation shrinks it over the years.Open Debt Avalanche vs Debt SnowballWhich order of paying off debts saves more interest?Open Loan Prepayment vs Investing - AdvancedAdds tax on gains and yearly step-up of the investment.Open Loan Interest vs FD Interest (Inflation Adjusted)The same comparison, in today's purchasing power.Open Loan vs FD/MF vs SIP (of EMI)Three paths: pay cash, borrow and invest the lump sum, or take the loan and SIP the EMI.Open Asset Purchase: Cash vs Loan + InvestmentBuy an asset with cash, or with a loan while your cash stays invested?Open

SIP - Systematic Investment PlanFuture value of regular investments, with step-up, inflation and a target.Open Compound InterestGrowth of a lump sum and regular deposits with any compounding frequency.Open IRR / CAGR CalculatorThe yearly growth rate that took you from start to end value.Open SWP - Systematic Withdrawal PlanHow long a corpus lasts when you withdraw regularly.Open Real Returns after TaxWhat your return is worth after tax and inflation.Open Cost of Delaying InvestmentWhat waiting costs, or the SIP you need to reach a goal late.Open Tax Savings vs. Investment ReturnsA tax-saving product against a regular investment.Open Dividend vs Growth InvestmentIncome from dividends against capital growth.Open Your Time Value per HourWhat one working hour of yours is worth.Open Future Cost of an Item (Inflation)What something costing today will cost later.Open Future Value of Bank BalanceDoes your bank balance beat inflation?Open Simple Interest CalculatorInterest without compounding.Open Currency Depreciation/InvestmentForeign asset against a rupee deposit when the rupee weakens.Open Chit Fund vs Mutual FundEffective return on a chit against a SIP of the same instalments.Open

EMI vs RENTIs paying an EMI or paying rent cheaper over time?Open Flat Valuation CalculatorFrom flat value to a sensible rent, or from rent to value.Open Relocation Opportunity CalculatorIs the new city worth it after tax, cost of living and moving?Open Rent vs Buy a HouseNet worth after the horizon, buying against renting and investing.Open Flat Valuation - AdvancedValue a flat from rent, growth, costs and your required return.Open Under Construction Vs Ready to MoveLower price and a wait, against a higher price and moving in now.Open Flat vs Land Investment CalculatorWhich property type grows your money faster?Open

Any Insurance/Policy EvaluationThe real yearly return of a policy, before and after inflation.Open LIC Scheme EvaluationReturn of an endowment-type scheme versus inflation.Open Term Insurance Need CalculatorHow much life cover your family would need.Open Health Insurance Cover Need CalculatorA sensible health cover for your family and city.Open Policy Evaluation - AdvancedAdds bonus, tax benefit and inflation to the policy return.Open Policy X-RayYour whole insurance stack: cover, premium burden and gaps.Open

Car Loan vs Own MoneyTake a car loan, or pay with your own money?Open Car Lease vs BuyTotal cost of leasing against buying.Open Any Two-Car ComparisonTotal cost of ownership for two cars side by side.Open Fuel Cost CalculatorYearly and monthly fuel spend for your commute.Open Transportation Cost-SavingsCar, public transport, ride-hailing and cycling over the same period.Open EV vs Petrol Car CompareDoes an EV pay back its higher price?Open EV vs Petrol Two-WheelerElectric scooter against a petrol scooter or bike.Open Bike vs Car CompareEveryday cost of a motorbike against a car.Open

Retirement CalculatorThe corpus you need and the SIP that gets you there.Open FIRE CalculatorWhen you can stop working for money.Open Gratuity CalculatorGratuity payable on leaving or retiring.Open Senior Citizen Savings SchemeQuarterly interest and maturity on SCSS.Open Monthly Income SchemeMonthly payout of the post office MIS.Open Pension Commutation DecisionTake part of your pension as a lump sum, or keep it all?Open

WFH vs Office vs Hybrid CalculatorYearly cost of each way of working, with your time priced in.Open Degree Worth It CalculatorReturn on investment of a degree.Open Follow Your Passion Cost CalculatorWhat a career transition costs and when it pays back.Open Dual-Income vs Single-IncomeIs the second salary worth its extra costs?Open Job Switch Impact CalculatorIs the new offer really better after all the small print?Open

Mobile Budget PlannerPlan the month and see where your money goes.Open Child Education Goal PlannerThe SIP needed for your child's education.Open Marriage Expenses CalculatorWhat a wedding will cost, and how to fund it.Open Lifestyle Health ROIDoes spending on health pay for itself?Open DIY vs Outsourcing CalculatorDo it yourself or pay someone, with your time priced in.Open Price Per Use CalculatorCompare what things really cost each time you use them.Open Social Media Time-Waste CalculatorWhat scrolling costs you in life and in earning potential.Open

What Should I Charge?Find out if you are undercharging: your break-even rate from your income goal, expenses and billable hours.Open Cash Gap CheckSales are good but the bank is empty? See when your money really arrives, the month cash runs lowest, and what to change first.Open What Late Payments Cost YouPut a yearly figure on clients who pay late: the interest on money tied up plus the time spent chasing.Open One Client Risk CheckDoes one client pay most of your bills? See their share of your income, the gap if they left, and how long your cash would cover it.Open Quote Follow-up PlannerSend a quote and heard nothing? Get three follow-up dates, skipping weekends, and ready-to-copy messages for each one.Open Tax Set-Aside CalculatorWork out what share of every payment you should move into a tax pot, so the bill is never a surprise.Open Discount Cost CalculatorKnocking 10% off? See the profit you give away and how much extra work you need to break even.Open Profit Margin CalculatorWork out your profit, margin and markup from your costs and price.Open Burn Rate CalculatorSee how fast your business spends cash and how many months of runway you have left.Open Freelance Budget CalculatorPlan your freelance finances: savings, monthly and yearly expenses against your income.Open Business Loan CalculatorSee your monthly payment, total interest and a full repayment schedule.Open Late Fee CalculatorSee how many days overdue an invoice is, the late fee and the total now owed.Open Manual Invoicing Cost CalculatorWork out what invoicing by hand in Word or Excel costs you in hours and money each year.Open Invoice Payment Fee CalculatorSee what a payment fee takes out of an invoice and compare two rates side by side.Open Pressure Washing Estimate CalculatorAdd surfaces and areas to get an itemized price estimate for the job.Open House Cleaning Price CalculatorAdd the rooms and pick the type of clean to get an itemized price.Open Interior Design Estimate CalculatorAdd the rooms and a design level to get an itemized project estimate with your design fee.Open Painting Estimate CalculatorAdd surfaces and square footage for an itemized interior or exterior paint price.Open Lawn Care Estimate CalculatorAdd the services and lawn area for an itemized price.Open Commercial Cleaning Estimate CalculatorAdd areas and floor space for office, retail or janitorial cleaning.Open Snow Removal Estimate CalculatorAdd the areas to clear for a plowing, shoveling or de-icing price.Open Junk Removal Estimate CalculatorPrice by item, by volume or by truck load.Open Moving Cost Estimate CalculatorPrice a local move by the hour and crew, or flat by home size.Open Invoice Due Date CalculatorEnter your invoice date and payment terms to see exactly when payment is due.Open Electrical Load CalculatorEstimate the service size a home needs, in amps, with the NEC optional method for dwellings.Open Electrical Estimate CalculatorCount the devices, set your labor rate, add materials, permits, overhead and profit.Open Plumbing Estimate CalculatorList the work, set your labor rate, add parts, call-out, an out-of-hours premium, overhead and profit.Open Flooring Estimate CalculatorPrice flooring by the square foot with waste, removal, subfloor prep, overhead and profit.Open Catering Estimate CalculatorPrice food by the head and staff by the hour, with your overhead and profit.Open Pest Control Estimate CalculatorQuote the initial treatment and the recurring plan together with your callback guarantee.Open HVAC Estimate CalculatorEquipment carries your markup, labor is billed at your rate, then overhead and profit.Open Roofing Estimate CalculatorFootprint and pitch give roofing squares; then material, labor, tear-off, overhead and profit.Open Billable Hours to Invoice CalculatorTurn hours worked into itemized invoice line items you can copy straight onto an invoice.Open Mileage Deduction CalculatorEnter the distance driven and the rate to see your mileage deduction or reimbursement.Open Mileage Reimbursement CalculatorAdd each trip or one total and see exactly what is owed.Open Mileage Log TemplateLog each trip as you go and see business distance, share of total driving and its value.Open Home Office Deduction CalculatorCompare the simplified and regular methods for your home office deduction.Open