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All-in-one finance calculator with AI-powered insights. Track income, expenses, loans, investments, goals, budget, tax planning, retirement, and insurance in one comprehensive tool.
AI-powered 0-100 score based on savings, debt, emergency fund, and investments
Track income, expenses, loans, investments, and goals in one place
Debt-to-income ratio, net worth, cash flow, and portfolio analysis
Personalized financial advice based on your unique situation
Start by entering your monthly income and categorized expenses to understand your cash flow.
Track all your loans (EMIs) and investments (stocks, mutual funds, real estate) for complete financial picture.
Define your goals (home, education, retirement) with target amounts and timelines.
Get your financial health score and personalized recommendations to improve your finances.
Overall health score, net worth, cash flow, and key metrics at a glance
Track monthly income, categorized expenses, and automatic savings calculation
Multiple loan tracking with EMI calculator and debt consolidation planning
Track stocks, bonds, mutual funds, real estate with ROI and future value
Set and track multiple goals with priority management and progress tracking
Category-wise budgeting with budget vs actual comparison and surplus analysis
Old vs New regime comparison with deduction tracking and tax optimization
Corpus calculation with inflation adjustment and monthly savings required
Life and health insurance tracking with adequacy assessment
Executive summary, asset breakdown, liabilities, and action items
Your Financial Health Score (0-100) is calculated based on five critical factors:
≥20% of income saved = full points
≤30% debt-to-income = full points
6 months expenses saved = full points
Positive net worth = full points
Investments ≥ annual income = full points
Measures your monthly debt payments as a percentage of monthly income. Critical for loan approvals and financial health.
Percentage of income saved after expenses. Higher savings rate accelerates wealth building and financial independence.
A Finance Calculator is a tool that helps you track income, expenses, loans, investments, and goals. It calculates your financial health score and debt-to-income ratio to provide insights into your financial wellness.
The score (0-100) is based on five factors: Savings Rate (20%), Debt-to-Income Ratio (20%), Emergency Fund (20%), Net Worth (20%), and Investment Level (20%). Each factor contributes up to 20 points based on specific thresholds.
Consider current expenses, inflation rate, years to retirement, and post-retirement years. The calculator adjusts for inflation and determines monthly savings needed to reach your goal.
Old Regime offers deductions (80C, 80D, HRA) with higher rates. New Regime has lower rates but no deductions. Choose based on your deduction eligibility.
Financial planners recommend 10-15 times your annual income. Term insurance is the most cost-effective option for adequate coverage.
Aim for 20-30% of gross income. The 50-30-20 rule suggests: 50% needs, 30% wants, 20% savings and investments.
Priority order: 1) Emergency fund, 2) High-interest debt, 3) Insurance, 4) Retirement, 5) Education, 6) Home, 7) Other goals.
A common rule: Equity % = 100 - Age. Diversify across equity, debt, gold, and real estate. Rebalance annually based on goals and risk tolerance.
Maximize deductions: Section 80C (₹1.5L), 80D (₹75K), HRA, home loan interest (₹2L), NPS (₹50K). Our calculator compares both tax regimes.
Yes, track unlimited loans with individual EMIs and combined debt burden. The calculator shows your overall DTI and suggests consolidation if needed.
Advanced investment planning with Monte Carlo simulation
Calculate simple & compound interest returns
Plan and track your monthly budget
Plan for a comfortable retirement
Calculate loan EMIs and interest
Track savings growth over time
Calculate return on investment
Detailed compound interest analysis
Calculate home loan payments
Allocate 50% of income to needs, 30% to wants, and 20% to savings and investments. This balanced approach ensures financial stability while enjoying life.
Before aggressive investing, secure 6 months of expenses in liquid funds. This protects you from unexpected events without disrupting long-term plans.
Maintain debt-to-income ratio under 40% for financial flexibility. High DTI limits borrowing capacity and increases financial stress during emergencies.
Developed by CalcFinex Financial Team, Certified Financial Planners with 10+ years in financial planning and analysis. Our calculators use industry-standard formulas and best practices.
For additional financial planning guidance, consult these authoritative sources:
Official monetary policy, interest rates, and financial regulations
Investment guidelines, mutual fund regulations, and investor protection
Tax slabs, deductions, and tax planning information
Consumer resources for financial planning and debt management
Professional financial planning standards and best practices
Intelligent financial health score and personalized recommendations - competitors offer basic calculations only
Complete financial planning in one tool - others require multiple separate calculators
Beautiful, intuitive interface with real-time charts and progress tracking
Perfect experience on mobile, tablet, and desktop - optimized for all devices
Track unlimited loans, investments, and goals - no restrictions or premium tiers
Compare Old vs New tax regime with detailed deduction tracking - unique feature
High/Medium/Low priority management with progress tracking - advanced feature
Dedicated emergency fund monitoring with 6-month target - often missing in competitors
Life and health insurance adequacy assessment - comprehensive coverage analysis
Future value projection and ROI calculation for all asset types
Inflation-adjusted retirement planning with monthly savings calculator
Instant calculations with no page reloads - optimized performance
Start financial journey with proper planning
Manage household finances and children's education
Plan for down payment and EMI affordability
Track education loans and start investing early
Ensure adequate retirement corpus
Combine finances and set joint goals
Manage business and personal finances
Track portfolio and optimize returns
Start using our comprehensive finance calculator today and get AI-powered insights to improve your financial health!