About PaisaTools
PaisaTools is a free collection of financial calculators made for people in India. We built it because many calculators online are cluttered, hard to use on a phone, or don't explain how they reach their answer.
Each tool is designed to do one job well. You enter your numbers, see the result straight away, and can read exactly how it was worked out. We use Indian number formats, current tax rules and the methods banks and fund houses use.
How we keep calculators accurate
- We check every calculator against standard formulas and worked examples.
- We review tax-related tools after each Union Budget and update them when rules change.
- Each page shows when its rules apply, such as FY 2026-27 for the income tax calculator.
How the site is funded
PaisaTools is free to use and is supported by advertising. Ads never change the results a calculator shows.
Who runs PaisaTools
PaisaTools is an independent project run from India. It is built and maintained by one person who cares about clear, honest money tools, and it is not owned by any bank, broker, insurer or fund house. We do not sell financial products and we do not earn commissions on loans, investments or insurance.
What you will find here
More than twenty free calculators cover loans (EMI, home loan eligibility, car loan, prepayment), tax and salary (income tax, senior citizen tax, in-hand salary, HRA, GST, gratuity), and savings and investments (SIP, step-up SIP, lumpsum, FD, RD, PPF, Sukanya Samriddhi, NPS, EPF, retirement planner, CAGR and mutual fund returns). Our money guides explain the ideas behind them in plain language.
Methods and sources
- Loan tools use the standard reducing-balance EMI formula that Indian banks use.
- Investment tools use compound growth with the assumptions you enter. They never promise a return.
- Tax tools follow the Income Tax Department's published slabs, deductions and rebates for the year shown on the page.
- Small savings rates (PPF, Sukanya Samriddhi) follow the rates notified by the Government of India. These change quarterly, so always check the latest notification.
- EPF interest follows the rate declared by the EPFO each year. You can change it in the calculator.
Corrections policy
If a figure, rate or rule on this site is wrong or out of date, tell us through the contact page. We check the report, fix confirmed errors quickly and update the date on the page.
Independence and advertising
The site is supported by Google AdSense advertising. Advertisers have no say over our calculators, results or guides. We do not accept paid placements inside the calculators.
Get in touch
Found a mistake or want a new calculator? Contact us. We read every message.