MoneySastra Tools
Calculate before you decide.
Simple decision tools for everyday personal finance. Start with the essential numbers, then refine the result only if the extra household details genuinely apply to you.
No login is required. These tools run in your browser and MoneySastra does not ask for PAN, bank login, account numbers or payment information.
Everyday money & safety
Understand your buffer, emergency readiness, purchasing power and whether spending is rising faster than income.
Money Runway
See how long accessible money could cover essential household expenses.
Useful for: job changes, income breaks and liquidity planning.
Open Money Runway →Emergency planningEmergency Fund
Turn essential monthly expenses into a chosen emergency-fund target.
Useful for: building a household safety buffer.
Open Emergency Fund →Purchasing powerInflation Calculator
See how today’s cost may change over time.
Useful for: future expenses and purchasing power.
Open Inflation Calculator →Cash flowLifestyle Inflation Check
Compare earlier and current income, spending and savings.
Useful for: seeing how much of an income increase you retain.
Open Lifestyle Check →Loans & big purchases
Look beyond the headline EMI and understand the household impact of borrowing, a home purchase or a car.
EMI Planner
See EMI, total repayment and household cash-flow context.
Useful for: home, vehicle, education and personal loans.
Open EMI Planner →DebtCredit Card Cost
Estimate how long a carried card balance may take to clear.
Useful for: understanding revolving credit-card debt.
Open Credit Card Cost →Home loanHome Loan Prepayment
Estimate how a one-time prepayment could reduce tenure and interest.
Useful for: testing a home-loan prepayment.
Open Prepayment Tool →HousingRent vs Buy
Compare major rent and ownership cash flows over your expected holding period.
Useful for: thinking through a rent-versus-buy scenario.
Open Rent vs Buy →HousingHome Affordability
See what a target home could do to monthly cash flow.
Useful for: testing a home price against household cash flow.
Open Home Affordability →CarCar Affordability
Combine EMI and running costs to see the real monthly impact of a car.
Useful for: checking a car purchase against household cash flow.
Open Car Affordability →Saving & investing
Compare simple growth illustrations for regular investing, one-time investing and fixed deposits.
SIP Calculator
See what a regular monthly investment could grow to.
Useful for: comparing monthly investment scenarios.
Open SIP Calculator →One-time investingLumpsum Growth
See how a one-time investment could compound over time.
Useful for: comparing long-term lumpsum scenarios.
Open Lumpsum Growth →Fixed incomeFD Maturity
Estimate maturity value and interest from deposit terms.
Useful for: understanding a cumulative FD illustration.
Open FD Maturity →Goals & retirement
Turn future goals and retirement lifestyle assumptions into clearer rupee targets.
Goal Planner
Inflate today’s goal cost and estimate the monthly amount needed.
Useful for: education, home down-payment and long-term goals.
Open Goal Planner →RetirementRetirement Corpus
Estimate a retirement corpus from lifestyle and return assumptions.
Useful for: testing retirement planning scenarios.
Open Retirement Corpus →