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Calculators for every financial decision — EMI, SIP, Income Tax, GST, Gold, Insurance and more. No login. No ads. No nonsense.

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EMI Calculator Home, car & personal loan SIP Calculator Mutual fund returns Income Tax Old vs new regime 2025-26 Gold Price 22K/24K with GST & making FD Calculator Fixed deposit returns GST Calculator Add or remove GST instantly Home Loan EMI With prepayment & PMAY PPF Calculator Tax-free 15-year returns

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Why ThriftRupee?

Built differently for Indian money decisions

🇮🇳

Built for India

Indian tax slabs, PMAY subsidy, EPF wage ceilings, RBI-linked rates — every calculator is calibrated for real Indian financial decisions. No dollar-converted generic tools.

  • Section 80C, HRA, Chapter VI-A
  • India-realistic presets (₹30L not $100K)
  • GST, PMAY, EPF, APY built-in
⚡

Instant, in your browser

No “Calculate” button. Move the slider and watch numbers update live. All calculations run entirely in your browser — no server wait, no data sent anywhere, complete privacy.

  • Real-time slider updates
  • Interactive charts and graphs
  • Works offline once loaded
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Free forever. No account.

Every single calculator is completely free, forever. No account needed. No ads. No premium tier. No upsell. Your financial data never leaves your device — that’s the ThriftRupee promise.

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Finance Glossary

Plain English definitions for every Indian finance term

All 390 terms →
Nifty 50 vs Sensex Investments
Nifty 50 (NSE) and Sensex (BSE) are India's two main equity market indices. Nifty 50 comprises 50 large-cap...
Term Insurance vs ULIP Insurance
Term insurance provides pure life cover with no investment component -- low cost, high coverage. ULIPs combine life...
Unclaimed Investments Personal Finance
Unclaimed investments -- dormant mutual fund folios, forgotten demat accounts, bank accounts, insurance policies -- represent billions of...
Insurance Premium Insurance
An insurance premium is the periodic amount paid to the insurer to keep the policy active. For term...
EMI Loans & Credit
Equated Monthly Instalment
EMI is the fixed monthly payment made to repay a loan. Each EMI consists of two components: interest...
IDCW Investments
Income Distribution cum Capital Withdrawal
IDCW is the SEBI-mandated name (since April 2021) for the mutual fund dividend option. It clarifies that payouts...
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From the ThriftRupee blog

Practical money advice for Indian earners

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