What we build
MoneyKit ships the most accurate free India finance calculators we can build. Every engine — EMI, Income Tax (new + old regime), GST, SIP, PPF, capital gains, FD / RD, home loan, crypto tax, salary, retirement, currency conversion — runs entirely in your browser, so your numbers never leave your device. There’s no sign-up, no personal-data collection, and no dark-pattern upsell.
Why another calculator site?
Because most Indian calculator pages are lead-generation funnels for banks or NBFCs. We tested several for obvious mistakes and found them: EMI schedules that drifted by ₹10,000 over 30 years, tax calculators that missed Section 87A marginal relief, capital gains pages that still assumed pre-Budget-2024 rates. Our default is “match the regulator’s published number to the rupee, or fail the build.”
How we stay accurate
- Every engine is covered by a published-fixture test suite that cross-checks output against RBI, CBDT, CBIC, India Post, and major bank calculators. Discrepancies above ₹1 fail CI.
- 100% branch coverage gate on every calculator engine (
src/lib/calculators/**). - Regulatory references are dated and carry a “next review” field that expires after 3 months — the build fails if we forget to refresh the CII index, PPF rate, or tax slab.
- Every user-reported bug becomes a regression test (editorial policy).
Who we are
MoneyKit is an independent project — not affiliated with any bank, broker, NBFC, or registered investment adviser. We are engineers who believe that finance tools should be honest, precise, and free.
How we make money
At launch, nothing. When we turn on monetisation it will be (a) clearly labelled AdSense or partner offers, (b) never behind a wall that blocks the calculator, and (c) never tied to how the numbers come out. If a bank’s rate card is better than a competitor’s, we’ll say so — that’s the whole point.
Contact & feedback
Found a bug, a regulatory change we missed, or have a calculator you wish existed? Write to us via the contact page. Every bug report becomes a regression test before we ship the fix.