Free Financial Calculators
Plan your wealth creation and manage debt with zero guesswork. Our calculators run 100% in your browser without tracking, signups, or storing any personal data.
SIP Calculator
WealthCalculate the future value of your monthly mutual fund Systematic Investment Plan (SIP) investments with compounded annual growth rate (CAGR).
Step-Up SIP Calculator
Top-Up SIPCalculate wealth compounding when you increase your monthly mutual fund SIP annually. Compare returns against flat SIP with yearly growth schedule.
50-30-20 Budget Planner
BudgetingDivide your take-home pay into Needs (50%), Wants (30%), and Savings (20%). Tweak spending sliders with real-time deficit alerts and visual balance.
EMI Calculator
LoansCalculate your Equated Monthly Installment (EMI), total interest payable, and amortization schedule for home loans, car loans, and personal loans.
Why Use SpendSathi Financial Tools?
100% Client-Side Privacy
No data is sent to any server. Your numbers and calculations stay exclusively inside your browser.
Real-Time Interactive Sliders
Instantly visualize how subtle changes in interest rates or tenure impact your long-term wealth or debt.
Zero Hidden Costs or Ads
Free utility designed to empower smart financial decisions for every Indian investor and earner.
Track Your Investments & EMIs Automatically
Want to track these payments locally and securely? Download SpendSathi on Google Play to log UPI and bank debits without cloud uploads.