Free financial tools for India
Smart Financial Tools & Loan Guidance for India
Calculate EMIs, plan investments, understand loan costs and make smarter money decisions — with free calculators and clear, practical guidance written for Indian users.
- Free calculators
- No registration required
- Built for Indian users
- Principal ₹20.0L
- Interest ₹8.99L
Figures shown are examples only, not real user data. Run your own EMI calculation.
Calculators
Free Financial Calculators
Work out the numbers before you commit. Enter your amounts and see EMIs, maturity values and returns instantly — no sign-up, no data stored.
EMI Calculator
Estimate the monthly instalment on any loan from the amount, interest rate and tenure.
Calculate nowSIP Calculator
See what a monthly mutual fund investment could grow to over your chosen period.
Calculate nowFD Calculator
Calculate fixed deposit maturity value and total interest for any rate and tenure.
Calculate nowPPF Calculator
Project your Public Provident Fund balance across the 15-year lock-in period.
Calculate nowRD Calculator
Find the maturity amount on a recurring deposit from your monthly contribution.
Calculate nowSWP Calculator
Plan systematic withdrawals and see how long your invested corpus can last.
Calculate nowCAGR Calculator
Measure the annualised growth rate of an investment between two values.
Calculate nowLoan Eligibility Calculator
Estimate how much you may be able to borrow based on income and existing EMIs.
Calculate nowBorrowing
Loan Guides & Calculators
Understand what a loan actually costs before you apply. Each guide covers eligibility, documentation, EMI, charges and total repayment cost in plain language.
Work out the numbers:
Calculate your EMI Compare loan offers Work out the true APR Check loan eligibilityBefore you apply
Understand Personal Loans Before You Apply
A personal loan is unsecured borrowing repaid in fixed monthly instalments. Because no collateral is involved, lenders price the loan on your income, employment and credit history — which is why two applicants rarely get the same rate.
The advertised interest rate is only part of the cost. Processing fees, insurance add-ons and the tenure you pick all change what you finally repay. Comparing the APR rather than the headline rate is the more reliable way to judge two offers.
- Eligibility — income, employer category, age and existing obligations.
- Interest rate — fixed or floating, and what determines the spread you're offered.
- EMI & tenure — a longer tenure lowers the EMI but raises total interest paid.
- Processing fee — usually a percentage of the sanctioned amount, deducted upfront.
- APR — the all-in annual cost including fees, useful for like-for-like comparison.
- Total repayment — principal plus interest plus charges across the full tenure.
- Credit score — a strong repayment record improves your negotiating position.
- Bank vs NBFC — differing eligibility rules, processing speed and pricing.
Credit health
Credit Score & Credit Report Guidance
A credit score is a three-digit summary of how you have repaid past borrowing. India has several RBI-licensed credit information companies, and each maintains its own report — so your score can differ slightly between them.
What a credit score measures
Repayment history carries the most weight, followed by how much of your available credit you use, the age of your accounts and your mix of secured and unsecured borrowing.
Why it affects your loan
Lenders use the score to price risk. A stronger score widens the set of lenders willing to approve you and improves the rate you can reasonably negotiate.
What tends to pull it down
Missed or late EMIs, high credit utilisation, several loan enquiries in a short window, and errors in your report that go unchallenged.
Arthzo explains how credit scoring works and how to read your report. It does not issue, host or influence your score — you obtain that from a credit information company directly.
Reading
Latest Financial Guides
Practical explainers on borrowing, banking and investing in India — updated as rules and rates change.
Home Loan
Home Loan EMI कम करने के 7 Smart Ways
Down payment, balance transfer, prepayment and four more levers that reduce what you finally repay — with worked examples.
Banking
UDGAM: RBI का Unclaimed Deposits Portal
How to search for forgotten or inactive bank deposits across multiple banks through the RBI's centralised portal.
Credit Cards
Best Credit Cards in India
How to match a card to your actual spending pattern, and why the reward rate matters less than the fee structure.
Investing
NPS Vatsalya: Pension Account for Children
Who can open one, how contributions work, and how the account converts when the child turns eighteen.
Credit
CIBIL Score: पूरी जानकारी
What the score range means, how it is calculated, and the practical steps that move it over three to six months.
Banking
Bank Dearness Allowance (DA): पूरी गाइड
How DA is derived from the CPI index, when it is revised, and how to read the slab calculation on your payslip.
About
Why Use Arthzo?
Arthzo is an independent personal-finance information site. We publish calculators and guides — we do not sell, broker or approve financial products.
Free, with no sign-up
Every calculator and guide is open. No account, no phone number, no gated content.
Transparent calculations
Designed to show clear, easy-to-follow workings, so you can see how a figure was arrived at.
Written for India
Built around Indian rules, RBI norms, Indian tax sections and rupee amounts in lakh and crore.
Plain-language explanations
Financial jargon unpacked rather than assumed, in both English and Hindi.
Independent guidance
We do not approve loans, issue credit scores or provide personalised investment advice.
Kept current
Guides are revised when RBI rules, tax provisions or scheme terms change.
Browse
Explore Money Topics
Jump straight to the area you're researching.
Investing & saving
Credit
Questions
Frequently Asked Questions
What financial calculators are available on Arthzo?
Arthzo publishes calculators for loans and investments, including EMI, loan eligibility, APR, SIP, FD, RD, PPF, SWP, CAGR, XIRR, NPS, income tax, household budgeting and emergency fund planning. The full set is listed on the calculators page.
Is Arthzo free to use?
Yes. All calculators and guides are free, and none require registration or a phone number. Calculations run in your browser.
Does Arthzo provide loans?
No. Arthzo is an information and tools platform. It is not a bank, NBFC or lending intermediary, and it does not accept applications, approve loans or disburse funds. Applications are made directly with a lender.
How does an EMI calculator work?
An EMI calculator estimates the monthly instalment on a loan using three inputs: the loan amount, the annual interest rate and the repayment tenure. It applies the standard reducing-balance formula, so each instalment covers the interest accrued for that month with the remainder reducing the principal.
How can I estimate my loan eligibility?
Eligibility is broadly driven by your net monthly income, existing EMI obligations, age and credit history. Lenders generally cap total EMIs at a share of income. The loan eligibility calculator gives an indicative figure; the sanctioned amount is decided by the lender.
What is the difference between SIP and SWP?
A Systematic Investment Plan invests a fixed amount into a mutual fund at regular intervals, building a corpus over time. A Systematic Withdrawal Plan does the reverse — it withdraws a fixed amount at regular intervals from an existing corpus. SIP is the accumulation phase; SWP is the drawdown phase.
How does a credit score affect a loan application?
Lenders use the score to assess repayment risk. A higher score usually means more lenders are willing to approve the application and a better interest rate is available. A weak score can mean rejection, a smaller sanctioned amount or a higher rate.
Does Arthzo give personalised financial advice?
No. Arthzo publishes general educational information and calculation tools. It does not provide personalised investment, tax or credit advice, and it does not guarantee returns or loan approval. For decisions specific to your situation, consult a qualified professional.
Make Your Next Money Decision With More Clarity
Use the free calculators, read the guides, and understand the numbers before you commit to anything.