Which money calculators can I use without signing up or sharing my data?

Any question that is arithmetic on figures you already know can be answered without an account: an EMI, the tax on a salary, an HRA exemption, gratuity, what a home really costs, or how much life cover your family would need. Muktify’s public calculators answer all of these for free, store nothing you type, and work without an email address.

Most money questions are one-off arithmetic

Some money questions have a complete answer the moment the numbers are typed in. What is the EMI on this loan? How much of my rent allowance is tax-free? What does the new regime take from my salary? What would my employer owe me if I left this year? None of these depends on anything that happened last month, so none of them needs a record of you.

For those questions an account adds nothing but a step between you and the answer. Dividing one number by another does not need your email address, so on these pages the result appears as you type.

What “no sign-up” means on these pages

Every calculator on the Muktify calculators page works without an account. The figures you type are used in your browser to produce the result on the same page; they are not saved to an account, attached to an email address, or kept after you close the tab. Close it and they are gone.

Where a figure is genuinely yours to decide, a calculator either leaves the box empty or opens on an example input you can change. The return you assume on your savings always starts empty, as do stamp duty and registration on the home buying cost calculator and the number of years on the life cover calculator. The home loan affordability calculator opens with stamp duty, registration and other costs at 7% of the price, listed under your assumptions, as an example input to replace with your own state’s rates.

The calculators, by the question you arrive with

Salary and tax: the in-hand salary calculator turns a CTC into a monthly take-home, the tax regime calculator compares the new and old regimes on your salary and deductions, the HRA calculator works out the tax-free part of your rent allowance, and the advance tax calculator shows each instalment and its due date — including whether any is due at all.

Loans: the EMI calculator, the loan amortization schedule for every month of the loan, the home loan prepayment calculator for what a lump sum saves, and the debt-free date calculator for the month a loan clears and how much sooner extra payments clear it.

Home and rent: what home your salary and savings support, what a home really costs once stamp duty, registration, brokerage, interest and upkeep are added to the price, and whether renting or buying costs less over the years you expect to stay.

Saving and protection: what a fixed monthly amount adds up to at a return you assume, the retirement corpus your spending needs, how large an emergency fund your expenses call for, and how much life cover your family would need if your income stopped.

The questions a one-off calculator cannot answer

Some questions are not about a single moment. Are you saving more this year than last? Did your net worth actually move, or did it only feel that way? Is the goal you named still arriving on time now that a loan has cleared? Each of these is a comparison between two points in time, and a calculator that remembers nothing cannot make it.

That is the one thing an account is for. The Muktify app keeps your own figures — what you earn, own and owe — confirms them with you once a month, and shows how they have moved since. It is free to use today. If you only have a one-off question, the calculators answer it without one.