Free Financial Tools for Smarter Decisions
Fast, accurate, and easy-to-use calculators trusted by 10,000+ Indians. Plan retirement, compare loans, calculate taxes — all for free, no signup required.
All Tools
SWP Calculator
Plan systematic withdrawals and calculate how long your retirement corpus will last.
NPS Calculator
Calculate your NPS corpus, monthly pension, and lump sum at retirement with our free NPS calculator.
EPF Calculator
Calculate your EPF corpus with monthly compounding, salary increments and employer contributions.
Step-Up SIP Calculator
Visualize compound growth with annual SIP increases. Plan step-up investments for maximum wealth creation.
PPF Calculator
Calculate your PPF maturity amount with annual compounding. See year-by-year growth over 15–50 years.
Gratuity Calculator
Calculate your exact gratuity payout under the Payment of Gratuity Act using your last drawn salary and years of service.
HRA Calculator
Calculate your HRA tax exemption instantly. See exactly how much of your House Rent Allowance is tax-free under Section 10(13A).
Inflation Calculator
Calculate the real value of money over time. See how inflation erodes purchasing power and plan your savings accordingly.
NSC Calculator
Calculate your National Savings Certificate maturity amount at 7.7% p.a. with annual compounding and Section 80C tax benefit.
Post Office FD Calculator
Calculate your Post Office Fixed Deposit maturity amount with quarterly compounding across 1, 2, 3, and 5-year tenures.
Why Use Our Tools?
Always Free
All tools are 100% free. No subscriptions, no hidden charges, no signup required.
Accurate & Reliable
Built using standard financial formulas, reviewed regularly for accuracy and compliance.
Instant Results
Calculations happen instantly in your browser — no loading, no waiting.
Data Privacy
Your data never leaves your device. We don't store or share your financial information.
Free Financial Tools for Every Indian
OneConsumer's free financial tools are designed to help every Indian make smarter money decisions — whether you're planning for retirement, managing a home loan, or evaluating investment options.
Our tools cover a wide range of financial topics including retirement planning, systematic withdrawal plans, loan calculations, tax planning, investment analysis, and credit management. Each tool is built using industry-standard financial formulas reviewed by certified financial planners.
Start with the SWP Calculator to understand how long your retirement corpus will last, or use our upcoming EMI and tax tools for comprehensive financial planning.
All tools are completely free, require no account creation, and work instantly in your browser. Your financial data never leaves your device — privacy is built in by design.
Whether you're a salaried professional, a business owner, or someone just starting their financial journey, our tools provide clear, unbiased information to help you plan better. Pair them with OneStep, our AI financial coach, for personalized guidance.
Frequently Asked Questions
Everything you need to know about our free financial tools.
Yes, all tools on OneConsumer are completely free to use. There are no hidden charges, no subscription fees, and no signup required to use any of our calculators.