EnrichMe offers free financial calculators built for India — FIRE planning, SIP & investing, EMI & loans, income tax, retirement, NPS, and more. No sign-up, no email, no paywall.
✨ Most Useful
Financial Health
Get an honest read on where you stand today, and how you compare.
A 2-minute quiz on savings, debt, and protection — get your score out of 100.
Check your score →See exactly where your money goes every month, category by category.
Open calculator →See where you stack up by age and city.
Open calculator →Money guides, FIRE math, and data-driven deep dives.
Read the blog →Plan Your Goals
Work out when you can retire early — and what it takes to fund every goal along the way.
Plan your retirement number and project your path.
Open calculator →Stop saving when compound interest can finish the job.
Open calculator →Downshift to part-time work — with healthcare costs built in.
Open calculator →See how many years your savings cover your spending.
Open calculator →Find out how much you need to retire comfortably.
Open calculator →Project your National Pension System corpus and annuity.
Open calculator →Work out the monthly SIP needed for any goal.
Open calculator →Plan future education costs, years in advance.
Open calculator →See what it takes to save for your next big trip.
Open calculator →Plan steady withdrawals from your investments.
Open calculator →Invest & Grow
See what your money can do over decades — growth, allocation, and real-world comparisons.
See how fees, inflation, and time shape your future.
Open calculator →Compare mutual funds and ETFs by risk, return, and overlap.
Open calculator →Compare inflation, rates and growth across countries.
Explore the data →See what ₹1,00,000 in Nifty 50 or Bitcoin would be worth today.
Open calculator →Watch reinvested dividends snowball into real income.
Open calculator →Project how your monthly SIP grows over time.
Open calculator →Increase your SIP every year and see the difference.
Open calculator →Check the average annual return on any investment.
Open calculator →Measure returns on investments with irregular cash flows.
Open calculator →Find the right equity-debt-gold mix for your risk profile.
Open calculator →Map the journey to your first ₹1 crore.
Open calculator →See common stocks across your mutual funds.
Open calculator →Loans & Debt
Get the full picture of your biggest debts — loans, EMIs, prepayments, and rent vs buy.
Compare two home loans and see lifetime cost.
Open calculator →Prepay your home loan early or invest the cash?
Open calculator →Rent and invest, or buy? See the real breakeven year.
Open calculator →Two payoff methods, one debt-free date — see which wins.
Open calculator →Estimate your monthly loan repayments instantly.
Open calculator →See how much prepaying your loan actually saves.
Open calculator →See how an investment could offset your EMI over time.
Open calculator →Tax Planning
Know what you owe, and what you can save — under India's tax rules.
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Which calculator answers your question?
| Calculator | Question it answers | Key inputs |
|---|---|---|
| FIRE Calculator | When can I retire early, and how much do I need? | Portfolio, savings rate, returns |
| SIP Calculator | What will my monthly SIP be worth over time? | Monthly amount, return, tenure |
| Step-Up SIP Calculator | How much faster can I grow wealth by increasing my SIP yearly? | Starting SIP, step-up %, tenure |
| EMI Calculator | What will my monthly loan repayment be? | Loan amount, rate, tenure |
| Income Tax Calculator | Old regime or new regime — which saves more tax? | Income, deductions, regime |
| HRA Calculator | How much of my HRA is tax-exempt? | Basic salary, HRA received, rent paid, city |
| NPS Calculator | What corpus and pension can I expect from NPS? | Contribution, age, expected return |
| CAGR Calculator | What was my investment's average annual return? | Start value, end value, duration |
| XIRR Calculator | What's my real return with irregular investments? | Cash flow dates and amounts |
| Mortgage vs Invest | Prepay the home loan early or invest? | Loan rate, market return, inflation |
| Rent vs Buy Calculator | Should I rent or buy — and when does buying win? | Home price, rent, down payment, return |
| Debt Snowball vs Avalanche | Snowball or avalanche — when am I debt-free? | Balances, rates, minimum payments |
| Net Worth Percentile | How does my net worth compare to my peers? | Net worth, age, city |
Frequently Asked Questions
Yes — every calculator on this page is completely free, with no paywall, no premium tier, and no usage limits. They're maintained as part of the free EnrichMe app, so there's no catch hidden inside the tools.
No. Every calculator on this page runs directly in your browser without registration, email, or credit card. If you want to track your progress over time, you can optionally create a free account in the app.
Start with the FIRE Calculator to find your overall FIRE number and timeline. Then use the Coast FIRE Calculator to see when you could stop saving, and the Barista FIRE Calculator if part-time work is part of your plan.
A regular SIP invests the same fixed amount every month throughout the tenure. A Step-Up SIP lets you increase your monthly investment by a fixed percentage each year, helping you build wealth faster as your income grows. Use the Step-Up SIP Calculator to compare both scenarios side by side.
The calculators themselves don't store anything — your inputs stay in your browser. If you want to go further, create a free EnrichMe account to track your plan against your real numbers.
One free app for budgets, net worth, portfolio, and your FIRE plan — pick up where the calculators leave off.
Get Started Free →