🇮🇳 ToolsForIndia.com
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About ToolsForIndia.com

Our Mission

ToolsForIndia.com is dedicated to providing free, accurate, and easy-to-use financial calculators specifically designed for Indian investors and individuals. We believe that everyone deserves access to quality financial planning tools without hidden costs, advertisements, or complex signup processes.

Why We Built This

While planning our own financial journey, we discovered that most existing calculators had significant problems:

  • Incorrect calculations: Many PPF calculators use annual compounding instead of the correct monthly compounding method, leading to wrong maturity values.
  • Limited functionality: Basic calculators only show "what you'll get" but don't help with goal-based planning like "how much do I need to invest to reach ₹1 crore?"
  • Intrusive ads and popups: Making it difficult to focus on your financial planning.
  • Mandatory signups: Forcing users to share personal information just to use a simple calculator.
  • Lack of Indian context: Most tools are generic and don't account for Indian tax laws, government schemes, or local investment products.

What Makes Us Different

✅ Accurate Calculations

We use mathematically correct formulas. For example, our PPF calculator uses monthly compounding (as per actual PPF rules) instead of the simpler but incorrect annual compounding method used by most competitors.

✅ Goal-Based Planning

Our SIP calculator lets you work backwards from your target. Need ₹1 crore in 15 years? We tell you exactly how much to invest monthly. Already investing? We show if you're on track or falling short.

✅ 100% Privacy Focused

All calculations happen in your browser. Your financial data never leaves your device. We don't store, track, or share your personal information. No signup required.

✅ India-Specific Features

Built specifically for Indian users with features like Section 80C tax benefit calculations, PPF rules compliance, government portal password requirements, and more.

Our Tools

Currently, we offer a set of live calculators and security tools tailored for Indian users. The site also includes a fully functioning, live blog with practical personal finance articles and guides.

Five tools are live today, with many more on the roadmap.

  • SIP Calculator: With goal-based planning, step-up SIP, scenario comparison, and investment tracking.
  • PPF Calculator: Monthly-accurate interest calculation, year-by-year breakdown, tax benefit calculator, and legacy planning.
  • Income Tax Calculator (FY 2024–25): CTC mode, salary-slip mode, Form 16 upload, old vs new regime comparison, HRA & 80C handling.
  • EMI Calculator: Prepayment simulation, affordability checks, bank comparisons, and amortization export.
  • Password Strength Checker: Tests against common government portal rules, breach-check (k-Anonymity), and time-to-crack estimates. 100% client-side processing.

Coming soon: Advance Tax Calculator, HRA Calculator, NPS Calculator, GST Calculator, Capital Gains Calculator, IFSC Finder, and more.

Our Technology

We believe in building fast, lightweight, and accessible tools. Our calculators are built with:

  • Vanilla JavaScript: No heavy frameworks means instant loading even on slow connections.
  • Client-side processing: Your data stays on your device for maximum privacy.
  • Mobile-first design: Works perfectly on phones, tablets, and desktops.
  • Offline capable: Once loaded, our calculators work even without internet.

Our Commitment

We are committed to:

  • Keeping all tools completely free to use
  • Maintaining accurate calculations based on official rules and formulas
  • Protecting your privacy - no data collection, no tracking
  • Regular updates when government rates or rules change
  • Building tools that actually help with financial planning, not just basic calculations
  • Staying ad-free or using minimal, non-intrusive advertisements if we must

Who We Are

Built and maintained by:
Chittaranjan Nivargi (@cgnivargi) — Software Engineer, Pune.
I built ToolsForIndia to solve real financial planning problems for Indian users. Work is done nights & weekends; this project is fully bootstrapped.

Connect: LinkedIn | Twitter

Contact Us

Have feedback? Found a bug? Want to suggest a new tool? We'd love to hear from you!

Email: contact@toolsforindia.com

You can also visit our Contact Page for more ways to reach us.

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Disclaimer: The calculators and tools on ToolsForIndia.com are provided for informational and educational purposes only. While we strive for accuracy, these tools should not be considered as professional financial advice. Always consult with a qualified financial advisor for personalized guidance. Interest rates, tax laws, and government policies may change - we update our tools regularly but recommend verifying current rates from official sources.