Free tools

Money calculators, the way Indian banks and funds count

Plan a SIP, check a loan’s EMI, see what an FD pays, find your SIP’s real return or plan a goal. No sign-up, nothing stored. Looking for a how-to?

Spending & budgeting

Safe to Spend CalculatorWhat you can spend until payday

Salary

Salary Budget CalculatorWhere your salary should go

Investing & mutual funds

SIP CalculatorWhat a monthly SIP grows to
FD CalculatorMaturity the way banks count it
SIP XIRR CalculatorThe real annual return of a SIP
CAGR CalculatorYearly growth of a lump sum
RD CalculatorRecurring deposit maturity
Lumpsum CalculatorA one-time investment, grown
Step-up SIP CalculatorRaise your SIP every year

Loans, EMIs & credit cards

EMI CalculatorLoan EMI, interest and payoff
Loan Prepayment CalculatorInterest saved by prepaying
Credit Card Payment CalculatorCost of paying only the minimum

Planning & net worth

Goal PlannerHow much to save each month
Emergency Fund CalculatorHow much to keep aside
FIRE CalculatorYour early-retirement number
Inflation CalculatorWhat money is worth later
Net Worth CalculatorOwn minus owe, in one number

Track it for real — free.

Banks, cards, bills, EMIs, goals and every investment in one app, with the one number that matters: what’s safe to spend.

Start using Spendly →

No bank login · no card · works in any browser