Money tools built for clarity, not confusion.
MakeMyCred is an India-first personal finance platform — a single, free, and private place to calculate, compare, plan, track, and decide with confidence.
Make personal finance feel simple, honest, and actionable.
Most people don't need more financial jargon — they need a clear number and a clear next step. Whether you're comparing two home loan offers, figuring out how much term insurance is enough, or checking whether your savings rate is on track, the answer should feel obvious once you see it.
MakeMyCred was built to bring those answers together in one place. Instead of jumping between a dozen calculators, spreadsheets, and half-finished advice pages, you get a single, connected workspace — built for Indian users, but useful for anyone who wants clarity over complexity.
What we stand for
- Clarity first. Every result shows the maths behind it.
- No dark patterns. No forced sign-ups, no misleading numbers.
- India-first design. INR, Indian loan and tax rules baked in.
- Privacy by default. Your inputs stay on your device.
- Education, not advice. Scenario-based insight, never a sales pitch.
- Always improving. Tools reviewed for accuracy every tax year.
One platform. Six ways to make better money decisions.
Every calculator connects to the next step — so a number becomes a plan, and a plan becomes a decision.
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Calculate
EMIs, SIPs, taxes, FDs, prepayments, and 195+ other calculators with breakdowns you can actually read.
Explore calculators -
Compare
Put loan offers, SIP vs FD, buy vs rent, and other choices side by side — so you can see the trade-offs.
Explore comparisons -
Plan
Turn goals like retirement, education, and a first home into monthly steps you can actually follow.
Explore planners -
Track
Follow net worth, savings rate, and progress over time — with a clear view of whether you're moving forward.
Explore trackers -
Check
See your financial health across savings, debt, credit, investments, insurance, and emergency funds.
Check financial health -
Decide
Turn a hard financial question into a clear choice — with the trade-offs visible before you commit.
Explore decisions
Four principles that shape every tool we build.
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Clarity over clutter
Plain language, visible assumptions, and results you can read at a glance — no jargon for the sake of it.
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Privacy by design
Calculators run in your browser. No accounts, no trackers inside results, no data sold — ever.
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Honest about limits
We show when a number is an estimate, where it can differ, and what it doesn't include.
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India-first thinking
Built around real Indian loan structures, tax rules, and investment products — not a copied template.
Every calculator goes through the same four checks.
So you can trust the number — and understand where it comes from.
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01
Source the formula
We use standard, industry-accepted formulas (reducing-balance EMI, compound interest, Indian tax slabs, and so on).
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02
Cross-check the maths
Results are verified against bank and lender calculations wherever possible — to the last rupee.
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03
Show the assumptions
Every result page lists the inputs, the assumptions, and where a real-world number might differ.
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04
Review every year
Tax slabs, rates, and rules change. We update our tools each financial year so you're never using stale numbers.
Content reviewed by people who care about the numbers.
Every calculator and guide is written and reviewed by people who work with Indian money rules every day.
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Editorial Desk
Content & AccuracyWrites and reviews calculator pages, guides, and tax notes for clarity and accuracy.
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Finance Review Board
Formula & ComplianceChecks formulas, tax assumptions, and disclaimers against current Indian rules.
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Product & Design
ExperienceBuilds calculators that are fast, accessible, and easy to use on any device.
Three promises we hold ourselves to.
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Accuracy
We use industry-standard formulas, review results every financial year, and clearly label anything that is an estimate.
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Privacy
No sign-up required to use any calculator. Your inputs are processed in your browser and are not stored on our servers.
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Independence
We do not sell financial products. Our content is educational and is never influenced by a commission or a partner bank.
About MakeMyCred
Who is MakeMyCred for?
For anyone in India who wants a clear number before making a money decision — salaried employees, freelancers, first-time investors, home buyers, students, and small business owners. It's also useful for NRIs and anyone comfortable with INR calculations.
Is MakeMyCred really free?
Yes. All calculators and planning tools are free to use without a sign-up. Some advanced features like saved plans or a logged-in workspace may be introduced later — but the core tools will remain free.
Do you store my financial inputs?
No. Calculations run in your browser. Inputs like loan amount, salary, or SIP values are not sent to our servers. See our Privacy Policy for details.
Is MakeMyCred a financial advisor?
No. MakeMyCred provides calculators, educational content, and scenario-based tools. We are not a bank, lender, SEBI-registered investment advisor, or tax consultant. Please consult a qualified professional before making any financial decision.
Where do you get your formulas and tax rules?
From standard financial mathematics and publicly available Indian tax and banking rules. Tax slabs, deduction limits, and rates are updated each financial year and clearly labelled on each calculator page.
How can I report an issue or suggest a tool?
We'd love to hear from you. Reach out through our Contact page — feedback on accuracy, usability, or new tool ideas is genuinely welcome.
Start with the money question in front of you.
Pick a category, open a calculator, and let MakeMyCred help you take the next step.
