Calculators

Eleven calculators, built on Indian arithmetic

Most financial calculators on the internet were built for a different country and then had a rupee sign put in front of the output. These use Indian inflation, Indian tax treatment, Indian rental yields and the rupee conventions people actually think in. Every one of them states its assumptions on the page, works without an email address, and produces a link you can share with the numbers still in it.

Financial independence

FIRE calculator Your corpus target and a projected date, with Lean, Coast and Fat variants, and the argument for why 3–3.5% is a more defensible withdrawal rate here than the American 4%. Retirement planner The detailed one. Sizes your emergency fund by how you earn and takes it out of the corpus, keeps the house you live in out of the maths, amortises your home loan to the month it closes, and reports a probability instead of a promise. Coast FIRE calculator The corpus at which compounding alone carries you to independence — the point you can stop investing, usually a decade or more before you can stop working. Inflation calculator What a rupee amount will actually buy in ten, twenty or thirty years, and how violently a single percentage point moves a retirement corpus. Life cycle fund calculator The equity and debt bands SEBI permits a target-date fund at each point on its glide path, the year it next steps down, and what leaving early costs.

What you own

Net worth calculator Mutual funds, stocks, gold, EPF and property, minus every loan against them — separated into what you own and what you could actually reach. Rent vs buy calculator Twenty years of buying a flat against renting one and investing the difference, including the stamp duty and the down payment that stopped compounding. Rental yield calculator Whether an asking price is defensible against the rent the property actually earns — run both ways, for residential and commercial.

What you owe

Home loan EMI calculator The instalment, the total interest, the cash you need upfront, and the full schedule showing how little of the principal comes off in the early years. Home loan prepayment calculator What an extra EMI, an annual step-up or a lump sum takes off the tenure — and why asking the bank to cut the tenure rather than the EMI is worth lakhs. EMI-to-income calculator The FOIR figure lenders use to approve or decline you, and how much borrowing room is left before the arithmetic gets fragile. SIP vs EMI calculator Whether spare money should close the loan early or compound in a fund, compared after tax rather than on instinct.

Why these are free, and stay free

A calculator behind a signup form earns no links and helps nobody. These carry no email gate, no account, no lead capture and no referral to a product we get paid for — TLDR Money is a subscription, so there is no fund, loan or policy we benefit from steering you towards. If a calculation says renting beats buying, or that prepaying beats investing, that is what it will tell you.

They also state their assumptions where you can see them rather than hiding a default return or inflation rate in the code. That is not a courtesy; it is the only way a projection means anything. A FIRE number quoted without its withdrawal rate and inflation assumption is a number with no content.

The calculators are a snapshot. The app is the trend.

These answer a question once. TLDR Money keeps the inputs current — spending, corpus, loans, net worth — so the answers update themselves instead of waiting for you to rebuild a spreadsheet.

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These are explanations of arithmetic, not advice about your money. TLDR Money is not a registered investment adviser and earns nothing from any product mentioned. Figures are illustrative; your own numbers, taxes and circumstances will differ.