About Wealth Math.
Wealth Math is a free, privacy-first financial calculator suite built specifically for Indian investors and salaried professionals. Every tool on this platform is designed around one principle: complex financial mathematics should be accessible to everyone, not just those who can afford a financial advisor.
Why We Built This
Most financial calculators available in India today fall into one of two categories: oversimplified tools that give approximations, or bloated platforms that require you to create an account, share personal data, and sit through advertisements before getting to the number you need. Wealth Math was built to fill the gap — precise, India-specific calculations delivered instantly with no login, no cookies beyond analytics, and no financial data ever leaving your device.
What We Cover
The platform currently provides 11 free calculators spanning the most important areas of personal finance for Indian users:
Mutual Fund Calculators
Our Step-Up SIP Calculator accounts for annual contribution increases — the most realistic way to model SIP growth for salaried professionals who receive annual increments. Our SWP Calculator helps retirees plan monthly income from accumulated corpus.
Tax Calculators
The Salary Calculator computes your exact monthly take-home salary under both Old and New tax regimes. The Tax Regime Comparison Calculator runs the full Old vs New regime analysis for FY 2026-27 slabs. The HRA Exemption Calculator applies the three-way minimum rule used by income tax law.
Debt & Savings Calculators
The EMI Calculator includes prepayment analysis showing exactly how much interest you save by making part-payments. The FD Calculator shows post-tax maturity values across compounding frequencies.
Retirement & Investment Calculators
The NPS vs PPF Calculator gives a side-by-side comparison of India's two most popular government-backed long-term savings instruments. The Net Worth Calculator helps you audit your complete financial position against age-based benchmarks.
Real Estate & Credit
The Rental Yield Calculator includes city and area-level benchmarks across 7 major Indian cities. The Credit Card Suggestor uses a weighted scoring engine across 16 major Indian cards to personalise recommendations.
Our Commitment
All calculations run client-side — your inputs never leave your browser. We do not sell data, run email marketing, or require registration. The platform is funded by Google AdSense advertising, which allows us to keep all tools permanently free.
Wealth Math is built and maintained by a solo developer based in India.