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Free calculators that work with your own numbers. Nothing you enter leaves your device.

My moneySave & growIncome & taxCan I buy it?Loans & EMIMy debtsHard to pay & complaintsProtect your money

My money

Know what comes in and where it goes.

Salary: CTC to take-homeWhere PF, tax and gratuity goMonthly budgetMoney in, must-pay, money left, with a weak-month testSave up for a purchaseHow many months until you can pay in cash

Save & grow

Plan savings and explore investment scenarios.

FD calculatorInterest added to the deposit or paid out to youSIP calculatorMonthly amount, a goal and yearly increasesDaily SIPEvery day or Monday to Friday, between two datesLumpsum calculatorA one-time investment, with inflation if you like

Income & tax

Understand your pay, tax and everyday calculations.

Salary: CTC to take-homeWhere PF, tax and gratuity goGST calculatorAdd GST to a price or take it out, with CGST/SGST or IGST

Can I buy it?

Check before you buy, borrow or sign.

Can I afford it?Buy now, EMI or save up, with a weak-month testNo-cost EMI: the real costGST on interest, fees and lost discounts

Loans & EMI

See the full cost, not just the EMI.

EMI & total costEMI, interest, fees, APR and scheduleCompare two loan offersWhat you receive, total repaid and APR, including flat-rate quotes

My debts

A plan for what you already owe.

Debt map & payoff planHighest rate first vs smallest balance firstPrepayment: lower EMI or shorter tenure?Interest saved either way, and whether charges apply

Hard to pay & complaints

Practical steps and your rights.

Hard to pay? Practical stepsBefore the due date, script for your lender, your rightsRBI complaint datesWhen you can go to the Ombudsman, plus a letter template

Protect your money

Fraud, risky lenders and betting.

What does betting cost me?Private calculator of real lossesMicrofinance guide & lender directoryRBI rules, weekly payment totals, A–Z lendersCompare two microfinance offersWeekly, fortnightly or monthly: cash in hand, total, APRMoney check (quiz)10 real-life questions, topic map

Frequently asked questions

Are Paisavy calculators free? Do I need to sign up?

Yes, every calculator is free, and you don't need an account. We don't ask for your name, phone number or email. We never ask for your OTP, UPI PIN, PAN or Aadhaar either. You type in your own numbers, and the result updates on the page.

Is it safe to enter my salary and loan amounts?

Yes. The sums run in your browser, and nothing you enter leaves your device. When one tool passes a number to another, such as take-home pay to the budget tool, it stays in short-term browser storage. It is cleared when you close the tab. Amounts never appear in page addresses. Saving a result on your device is optional, and you can delete it.

How accurate are the calculator results?

They are only as good as the numbers you enter and the rules for the date shown. All tools share one set of calculations, with a version number and a rules date. Each new version must pass a fixed list of test cases before it goes live. Every tool explains its formula and limits under "How we calculate this". Treat the result as a guide, not financial advice.

What happens if I don't know one of the numbers?

The tool says "We need more information". It never treats an unknown number as zero, and it never guesses in your favour. If a rule isn't confirmed for the period you chose, the tool says it can't calculate that yet. Find the missing figure on your payslip or loan papers, then try again.

Will the calculator tell me if I can afford a loan?

Not with a simple yes. The Can I afford it? tool gives one of four results. Your money covers it, your budget is sensitive to changes, there is a shortfall, or we need more information. It also tests a weak month, with 20% less income by default. That 20% test is a Paisavy suggestion, not an RBI rule. No calculator can promise the future.

Which calculator should I use?

Start from your question. Salary turns a CTC offer into take-home pay. Budget plans the month and tests a weak one. EMI & total cost shows interest, fees and APR. Compare two loan offers puts two quotes side by side. Already behind on payments? Start with Hard to pay. This page groups every tool by topic.