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myfinancemyntra

All financial tools and calculators

31 in-depth tools covering the decisions that actually move money. Each one gives you the number, the breakdown of what drives it, and what to do next — with the dollar impact quantified.

Mortgages & Home Buying

Work out what you can actually afford — before you talk to a lender.

  • AI Mortgage Advisor

    A verdict, not a payment — risk level, stress test, and whether the down payment is the right call.

  • Mortgage Calculator

    See principal, interest, taxes, insurance and PMI — then what the loan really costs over 30 years.

  • Home Affordability Calculator

    Two answers: what a lender will approve, and what your budget can genuinely sustain.

  • Rent vs Buy Calculator

    Buying wins eventually in most markets. This finds the year it starts winning in yours.

  • Refinance Calculator

    A lower rate is not automatically a win. This shows what restarting the clock costs.

  • Closing Cost Calculator

    Down payment plus 2–5% in costs most first-time buyers discover far too late.

Investing & Compound Growth

See what consistent contributions actually turn into over decades.

Retirement Planning

Find the number you need, and the date it becomes reachable.

  • AI Retirement Planner

    Not just a number — the age you can retire, the milestones on the way, and what to contribute now.

  • Retirement Savings Calculator

    Find your target, see the gap, and check whether you are leaving employer money behind.

  • FIRE Calculator

    Your savings rate sets the date far more than your income does. This shows the year.

Debt Payoff & Management

Pick the order, see the date, and know what the shortcut costs.

  • AI Debt Optimizer

    Compares avalanche, snowball, consolidation and a balance transfer on your real numbers.

  • Debt Payoff Calculator

    Enter your balances, get a payoff date — and see exactly what the easier order costs you.

  • Debt-to-Income Calculator

    The single number lenders check first — and the one that decides your mortgage approval.

  • Student Loan Calculator

    See your payoff date, total interest, and what refinancing would cost you in federal protections.

Credit Scores & Credit Cards

Understand what actually moves a FICO score — and what doesn't.

Budgeting & Saving

Build the cushion first, then optimize everything else.

  • Can I Afford It?

    A car, a wedding, a vacation, a dog. Enter the cost and get a straight answer with the real impact.

  • AI Budget Optimizer

    Compares every category against real benchmarks and shows exactly where you're overspending.

  • Budget Calculator

    Built on take-home pay, with the annual costs that break most monthly budgets.

  • Emergency Fund Calculator

    Sized on essential expenses and your actual risk profile — not a generic three-to-six months.

  • Monthly Expense Tracker

    Add up every category, see the percentages, and find what you've stopped noticing.

  • Subscription Cost Analyzer

    The annual total, the per-use cost, and what cancelling would be worth if invested.

  • Cash Flow Calculator

    Income in, obligations out, and the number that decides whether you're building or slipping.

Taxes & Take-Home Pay

Know your real marginal rate before you make a tax decision.

Salary, Paychecks & Income

Translate an offer into the number that lands in your account.

  • Paycheck Calculator

    Federal tax, FICA, state tax and deductions — see exactly what lands in your account.

Banking, Savings & Yield

Stop leaving four percentage points on the table.

Financial Planning & Net Worth

One number that tells you whether the whole plan is working.

  • AI Financial Health Score

    One score across six areas — emergency fund, debt, savings rate, investing, credit and cash flow.

  • Net Worth Calculator

    One number that tells you whether the whole plan is working — plus what is actually spendable.