₹
arthly / money calculators
India's money operating system
Every Indian financial plan,
one calm app.
38 free calculators with year-by-year breakdowns you can download to Excel, plain-English guidance on every result, and 15 decision guides — built to help India plan with confidence.
0Calculators
0Money guides
₹0Free, forever
📊
See the whole journey
Not just one number — a year-by-year table of how your money actually grows, exportable to Excel.
🧭
Decide, don't just calculate
Every calculator explains what it assumes and how to read the result — plus guides for the big decisions.
🔒
Private by design
Everything runs on your device. No sign-up, no server, no tracking of your numbers.
All 38 calculators
Grouped the way you think about money.
Mutual funds
Planning
Retirement
Loans
Banking
Govt schemes
Investing
Tax
Salary
Basics
Make the big decisions
Plain-English comparisons of the choices Indians actually face.
Gold: SGB vs gold ETF vs physical
The best way to buy gold in India — extra interest, liquidity and costs compared.
How to retire early (FIRE) in India
The 25x-expenses rule adapted for Indian inflation, the corpus you need, and how to get there.
Credit card debt: how to get out fast
Why minimum payments trap you at 40% interest — and the fastest, cheapest ways out.
Sukanya Samriddhi vs PPF for a daughter
The girl-child scheme pays more (8.2%) but is less flexible than PPF — how to choose, or use both.
Arthly Pro
Saved plans, a live net-worth view, the full tax optimiser and PDF reports — coming soon.