Yes — every calculation runs in your browser. Nothing you enter is sent to a server or stored in a database. If you use Goals or the Financial Profile tracker, that data is saved locally on your own device, not ours.

Yes. Every calculator and verdict tool is free and ad-supported, with no signup and no paywall.

Which currencies does it support?

FINAIW works across multiple currencies — switch yours anytime from Settings, and every calculator and verdict updates to match.

Do I need to create an account?

No. Calculators and verdicts work with no signup at all. Goals and your Financial Profile save locally on your device without an account.

Move the sliders

Monthly investment$10,000

Time horizon15 yrs

At 12% expected return, that grows to

$5,045,760

This is what your money actually does.

20 free calculators and 5 real decisions, decided — rent vs buy, debt vs invest, and more. No account, no paywall, and your numbers never leave your device.

Explore all calculators Get a verdict instead

Your numbers stay on your device.Works across currencies and markets.Every calculator opens directly — no signup.

New — Global Net Worth Percentile

How rich are you, really?

Not how you compare to your neighbors — how your net worth compares to every adult on Earth. One number, any currency, no signup.

See your global rank →

Your financial statusNot set up

See your real financial status

Five numbers — income, expenses, assets, debt, emergency fund — for a genuine health score, not a guess.

Set it up My goals

20calculators

5verdict tools

30+learning guides

0data leaves your device

20 free financial calculators. Every one shows real math.

See all 20

Most used calculator

SIP Calculator

What a recurring monthly investment grows to.

$5,000/mo at 12% for 15 years grows to

$2,522,880

Open calculator Loan & Interest

EMI Calculator

Monthly payments for a home, car, or personal loan.

$3,000,000 at 8.5% for 20 years, monthly payment

$26,035

Principal $3,000,000Interest $3,248,327

Open calculator

FIRE Calculator

The number you need to retire early.

₹6L/yr expenses → ₹1.5Cr FIRE number

Net Worth Calculator

Assets minus liabilities — your real net worth.

₹85L assets − ₹22L liabilities → ₹63L

CAGR Calculator

The compound annual growth rate between two values.

₹1L → ₹2L in 5 yrs → 14.9% CAGR

Loan & Interest

Fixed Deposit Calculator

Maturity value and interest earned on an FD.

₹2L at 7% for 5 yrs → ₹2.83L

You don't need a calculator. You need a verdict.

Rent or buy. Pay off debt or invest. We run the real simulation, month by month, and tell you which side wins.

Get your verdict

Housing

BuyingRenting & investing

$310,000$350,000

Debt

Debt-firstInvest-first

$54,000$41,000

Vehicles

BuyingLeasing & investing

$19,500$21,000

How it works

Pick a calculator or a decision

Eighteen calculators for loans, investments, retirement and wealth — or a verdict tool if you're actually stuck between two options.

Enter your real numbers

Your loan amount, income, or expenses — not a demo. Every field has a sensible starting value, but the answer is only useful once it's yours.

Get the number, not a guess

A computed result with the formula shown, or — for a verdict — a simulation of both paths and which one wins, month by month.

Learn the concepts behind the numbers

All lessons

Compound Interest

Understand how time, consistency and returns interact — the single most important idea in personal finance.

6 min

Investment Basics

Learn the foundations before choosing financial products — what actually differentiates one investment from another.

7 min

Retirement Planning

Turn a distant, abstract goal into a practical, numbers-based savings system.

7 min

Risk Management

Balance growth, liquidity and downside protection — before you think about returns.

6 min

Market Basics

Read financial headlines with better context instead of reacting to noise.

6 min

Not sure where to start?

Tell us what you're trying to figure out

Type a real question and we'll point you to the right tool. Matching happens entirely in your browser — nothing you type here is stored or sent anywhere.

Common questions

No. Every calculator and verdict is an illustrative tool for exploring your own numbers, not a personalized recommendation. Consult a certified financial advisor for advice specific to your situation.