Your financial
decisions, crystal clear.
Not a collection of calculators. A decision engine that connects the dots and tells you what to do next.
Zero
Biased recommendations
None
Hidden assumptions
AY 2026-27
Tax slabs
One number that captures your financial health
The Financial Health Score rolls up six pillars — savings rate, emergency cushion, debt load, income stability, diversification, and insurance — into a single 0-100 score. Updates every time you touch any tool on the site.
Check your scoreExample
82
Grade B
Four decision clusters
Every tool belongs to one of four decisions. Start with a cluster to see the tools that answer its question.
Cluster
9 toolsBorrow
Should you take this debt, and at what cost?
Explore borrowCluster
4 toolsHousing
Rent, buy, wait, or stretch?
Explore housingCluster
14 toolsPlan
Are you on track for your goals?
Explore planCluster
6 toolsTax & Salary
What's your real take-home, and which regime wins?
Explore tax & salaryDecision Hubs
Start with a hub to get the full picture — or jump to a calculator below.
Can I Afford This?
The flagship flow that answers whether to buy now, wait, rent longer, or clear debt first.
Rent or Buy?
A supporting hub for drilling into the housing trade-off after you have a recommendation.
Am I On Track?
A supporting hub for salary, safety-net, and long-term planning once housing is settled.
Popular tools
SIP Calculator
Calculate the corpus your monthly SIP builds over time, with optional step-up for annual increases.
OpenHome Loan EMI Calculator
Plan your home loan EMI, total interest outgo, and balance schedule with current Indian lender assumptions.
OpenTake-home Salary Calculator
Estimate your monthly take-home using current Indian tax assumptions, with old-vs-new regime context built in.
OpenLoan Affordability Calculator
Estimate the home loan EMI and property budget you can safely afford without stretching your monthly cash flow.
OpenRent vs Buy Calculator
Model the financial trade-off between renting and purchasing a home by comparing net worth after your expected stay period.
OpenPPF Calculator
Calculate PPF maturity with the current government rate and the ₹1.5L annual contribution cap.
OpenEMI Calculator
Calculate the monthly EMI, total interest, and year-by-year balance for any loan in seconds.
OpenRetirement Corpus Calculator
Calculate the inflation-adjusted corpus you need at retirement, and the monthly SIP that closes the gap.
OpenWhy Artha Engine is different
No Bias. No Commission.
We never recommend products that pay us. Our suggestions are math-driven, not incentive-driven.
Decisions, Not Math
You don't need to understand NPV. You need to know whether to buy or rent. We give you the verdict.
Every Assumption Shown
Every calculation shows what was assumed and why. No black boxes. No hidden inputs.
Built for India
Indian tax slabs, real estate norms, and financial products. Not US defaults repackaged for rupees.