Nobakaya MoneyLab: financial calculators that explain every number.
Calculate loans, investments, taxes, inflation, retirement, and business numbers with India-focused assumptions and plain-English results.
Start with your goal
We organize tools by what you want to achieve, not just by formula names.
I want to grow my money
SIP, Lumpsum, CAGR, XIRR, Mutual Fund, SWP
I want to take or manage a loan
EMI, Loan vs Invest, Prepayment, Balance Transfer
I want to save tax
Income Tax, HRA, 80C, Capital Gains, TDS
I want to retire early
FIRE, Retirement Corpus, SWP, Inflation
I run a business
Break-even, margins, working capital, business loans, startup runway
I want to understand inflation
Inflation, real return, purchasing power, retirement impact
Why Nobakaya MoneyLab?
Plain-English results
No spreadsheet knowledge needed. We explain what the numbers mean for you.
India-focused assumptions
Rupees, tax modes, tax slabs, inflation rates, and Indian financial products.
Transparent formulas
Every calculator shows exactly how it works, with edge cases explained.
Downloadable reports
Get a clean summary, yearly view, monthly details, and assumptions in Excel/CSV.
Calculator Library
Advanced decision tools
10 calculators
• Loan vs Invested Corpus + SWP Arbitrage
• Buy vs Rent Home
• Home Loan Prepayment Optimizer
+7 more
Investment returns
22 calculators
• SIP Future Value Calculator
• Goal SIP Calculator
• Step-Up SIP Calculator
+19 more
Loans and debt
14 calculators
• EMI Calculator
• Home Loan EMI Calculator
• Personal Loan EMI Calculator
+11 more
India savings and tax
21 calculators
• Fixed Deposit Calculator
• Recurring Deposit Calculator
• PPF Calculator
+18 more
Budget and cashflow
8 calculators
• Budget Calculator
• 50/30/20 Budget Calculator
• Savings Rate Calculator
+5 more
Retirement and insurance
7 calculators
• Retirement Corpus Calculator
• Annuity/Pension Calculator
• Safe Withdrawal Rate Calculator
+4 more
Real estate
5 calculators
• Rental Yield Calculator
• Property Capital Gains Calculator
• Stamp Duty/Registration Calculator
+2 more
Business and professional finance
9 calculators
• Break-Even Calculator
• Gross/Net Margin Calculator
• Working Capital Calculator
+6 more
Global and market calculators
9 calculators
• 401(k) Calculator
• Roth vs Traditional Calculator
• Sales Tax/VAT Calculator
+6 more
Accuracy and Assumptions
Every calculator includes documented assumptions, formulas, edge cases, and warnings. Results are estimates designed for education and planning, not official financial advice.
Frequently Asked Questions
Are these calculators free?
Yes, entirely free with no signup required.
Do you store my financial data?
No. All calculations run safely in your browser. We do not store your numbers.
Are the results exact?
They are highly accurate estimates based on standard financial math, but real-world taxes, fees, and market fluctuations will vary.
Is tax calculation updated?
We aim to use the latest Indian tax slabs (Old vs New Regime) but always consult a CA for exact filing.
Can I download the report?
Yes, many of our calculators offer Excel/CSV and PDF exports of the full schedule.
Why do results differ from my bank?
Banks often use specific rounding rules, daily reducing balances, or hidden fees that vary by institution.