SmartFinance
Bank shows one number. Reality is another.
Free India calculators for FD tax, home loan tenure or EMI, SIP, RD, PPF and SSY — the number you can actually decide on.
Calculators
India money decisions — after tax & inflation
Pick the question you are actually asking. Each tool shows the usable number, not the brochure rate.
Most searched · Home loan
Should I reduce tenure or EMI after prepayment?
Compare interest saved and months cut after a lump-sum part payment — then tell the bank. Monthly extras live under Borrow → EMI calculator.
Borrow
Save
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Guides
How to use the numbers — India explainers
Real outcomes · After tax · After inflation · Free · No product selling · Math on your device
FAQ
SmartFinance FAQ — free calculators for India
Why does SmartFinance exist?
Most money sites show the brochure number — bank maturity, headline rate, or EMI alone. We show the usable number after tax and inflation, so you can decide.
What does “after tax and inflation” mean?
A bank may show ₹7.01 lakh on a ₹5 lakh FD. After income tax on interest and years of rising prices, you may keep closer to ₹4.79 lakh in today’s money. That gap is the decision.
How is SmartFinance different?
Decision first, then consequence — not a form that dumps a formula. Real outcomes come before the brochure number. We don’t sell loans or funds.
Do you sell loans or funds?
No. Independent math only — no bank, fund, or insurance push.
Do I need an account? Is my data private?
No account. No email or phone. Your inputs stay on your device.
Is this free?
Yes. Every tool is free — no paid plan, no trial ending.
Don't decide on ₹7.01L. Decide on ₹4.79L.
The number that matters after tax and inflation