About MoneyReality

MoneyReality is a free financial calculator platform built for Indian investors, savers, and planners. We believe that clear numbers — not vague promises — are the foundation of smart financial decisions.

Why We Built This

Most financial calculators in India either oversimplify the math or bury you in jargon. We wanted something different: calculators that are accurate, transparent, and actually useful for real-life planning.

Every formula on MoneyReality is open and standard — the same ones used by banks, EPFO, and financial planners across India. No hidden assumptions, no upsells, no data collection.

What Makes Us Different

• Inflation-aware: Every calculator shows you the real purchasing power of your future money, not just the nominal number.
• Indian number formats:Lakhs and crores, not millions and billions — because that's how we think about money.
• Visual breakdowns: Pie charts and growth curves so you can see where your money goes, not just read a number.
• No sign-up, no paywall: Every calculator is free, forever. No account needed, no premium tier.
• Privacy-first:All calculations happen in your browser. We don't store your financial data — ever.

Our Calculators

We cover the full spectrum of Indian personal finance — from daily investment decisions to long-term retirement planning:

• SIP & Lumpsum — mutual fund investment planning
• Compound Interest — understand the power of compounding
• Yearly Investment Plan — annual investment returns
• FD & RD — fixed and recurring deposit returns
• EMI & Home Loan — loan repayment and amortization
• PPF, EPF & NPS — government retirement schemes
• HRA — tax exemption on house rent allowance
• Income Tax — old vs new regime comparison
• Retirement — corpus planning with inflation

Disclaimer

MoneyReality provides estimation tools for educational and planning purposes. Our calculators use standard financial formulas and user-provided assumptions — they do not constitute financial advice. Actual returns, tax liabilities, and scheme benefits depend on prevailing rates, regulations, and individual circumstances. Always consult a certified financial planner before making investment decisions.

Contact & Feedback

Found a bug? Have a suggestion? Want a new calculator? We'd love to hear from you. Visit our feedback page to share your thoughts.