Three numbers. No bank linking. Nothing saved until you choose to keep it.
Each month I take home , and goes out in spending and EMIs. I have I could reach quickly.
Count money in savings, deposits and funds. Leave out your home and your PF — you can’t spend those without moving out or waiting.
Type your own three numbers on the left and this becomes your answer.
Each one opens with the answer, then the working — with a calculator beside it to try your own figures.
Free, no sign-up. Every rate box starts blank — you type your bank’s rate or your own assumption.
| Calculator | What it answers | Open |
|---|---|---|
| EMI | ₹50 lakh at 8.5% for 20 years is ₹43,391 a month — enter any amount, rate and tenure. | Open |
| CTC to in-hand | 8.5 LPA is about ₹62,133 a month in hand — CTC to take-home after PF, tax and PT. | Open |
| Old vs new regime | FY 2026-27 tax regime calculator — enter salary and deductions, see new vs old tax side by side. | Open |
| HRA exemption | How much of your HRA is tax-free — the least-of-three rule, computed instantly. | Open |
| Prepayment | What a lump sum or extra EMI saves in interest — reduce the EMI or the tenure, side by side. | Open |
| Rent vs buy | True cost of renting vs buying a home, counting the equity you build. | Open |
| Emergency fund | How much emergency fund you need — a 3, 6, 9 or 12-month target from your essential monthly expenses. | Open |
| Monthly saving | See how your monthly SIP grows over time, at the return you assume. | Open |
Named the way you’d say them — not by the formula behind them.
What you earn, and what the two tax regimes each take from it.
What each loan costs, and when you are clear of it.
Renting, buying, and what a home actually costs to hold.
Where your money is heading, and what would move it.
What is owed to you when you leave, and what an offer is really worth.
No sign-in. Nothing you type leaves this page until you choose to keep it.
Enter your numbers once. Muktify keeps them current and tells you what changed.
Educational estimates from the figures you enter. Not investment advice — Muktify is not SEBI-registered.