Know what your money actually does
FinClamp is a free suite of 38 financial calculators and 66 written guides covering loans, deposits, investments, tax, property and everyday spending. Every calculator shows the formula it uses and a worked example. Nothing needs an account, and every calculation runs on your own device.
Why the formula is on the page
Most financial calculators are lead-generation forms wearing a calculator's clothes: they ask for a phone number before showing a result, hide the arithmetic, and quietly exclude the fees that make the deal worse than it looks. FinClamp states the formula, defines each variable, and shows a worked example — so the output can be checked by hand rather than taken on trust.
Popular calculators
- SIP Calculator — Systematic Investment Plan calculator
- EMI Calculator — Calculate loan EMI and repayment schedule
- Fixed Deposit — Calculate FD maturity amount and returns
- Recurring Deposit — RD maturity calculator
- Income Tax — Calculate income tax liability
- Net Worth Calculator — Add up your assets, subtract what you owe, and track your net worth over named sheets
Recent guides
- Buy Now Pay Later feels free because you never see the bill all at once — BNPL splits a purchase into three or four tidy slices, and each one looks manageable. Stack six of them and you are running ₹30,000 a month in invisible EMIs at rates that make a credit card look gentle.
- Crypto tax in India: 30% flat, no set-off, and the 1% TDS you forgot about — India taxes crypto gains at 30% with no deductions except the cost of acquisition. Losses cannot be set off against anything. And every sale — even at a loss — triggers 1% TDS. The maths, plainly.
- EV vs petrol: the full cost over five years, not just the fuel saving — EVs save ₹1 to ₹1.5 per kilometre on fuel. But the upfront premium, battery replacement risk, insurance, and resale collapse change the five-year maths considerably.
- You just lost your job — the financial checklist for the next 72 hours — Layoffs happen fast. The financial response in the first three days determines whether the next six months are manageable or catastrophic. This is the order of operations.
- FIRE in India: the numbers behind retiring at 45 — The Western FIRE playbook assumes 4% withdrawal rates and no inflation above 3%. In India, you need a different set of numbers — and the corpus is larger than most online calculators suggest.
- Your first salary arrived — here is what to do in the first 30 days — The first paycheck sets the pattern for the next ten years. Open the right accounts, start the right habits, buy the right insurance, and automate the right transfers — in order.
How it works
- Instant. Every figure recalculates as you type. Nothing to submit, nothing to wait for.
- Private. Calculations run in your browser. The numbers you enter are not sent anywhere unless you sign in and save them.
- Offline. Install it and the whole suite keeps working with no connection.
FinClamp is independent and funded by advertising. It is not a financial adviser — see the disclaimer, the about page, and how to get in touch.