About

Arthly is a calm home for every Indian financial plan.

Arthly brings together 21 (and growing) calculators for the schemes and products Indians actually use — SIP, home-loan EMI, PPF, NPS, income tax, Sukanya Samriddhi, capital gains and more — in one fast, ad-light, beautifully simple app for web and mobile.

How the calculators work

Every result is computed by a single shared, unit-tested engine, so the web app and the mobile app always agree to the rupee. We use the standard market conventions — SIP as an annuity-due, FDs and RDs compounded quarterly, PPF/SSA compounded annually, EMIs on reducing balance — and show a plain-language sentence under each result so you know what the number means.

The assumptions

Interest rates, tax slabs and scheme rules are set to FY 2025-26 and are editable where it matters. Returns you enter (for SIP, NPS, gold, etc.) are your expectations, not guarantees. Results are estimates to help you plan — they are not personalised financial advice, and Arthly is not a SEBI- or RBI-registered adviser. Always confirm the current rate and rules with the bank, fund or department before you act.

Free, forever

The calculators are free and always will be. We keep the lights on through clearly labelled partner offers — see how we make money.