New Money Bucket Planner — give every rupee a job
Personal finance calculators, without the friction.
Fast, free and privacy-first. Plan your monthly budget, work out your EMI, SIP returns, income tax and in-hand salary — everything runs in your browser, and your numbers are never uploaded to our servers.
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Personal finance
Browse by category
Budget, save, borrow and pay tax — with the numbers worked out for you.
Budgeting
3 tools
Split your income into buckets and plan for every goal
Savings & Investments
6 tools
SIP, lumpsum, FD, RD, PPF and CAGR calculators
Tax & Salary
5 tools
Income tax, in-hand salary, HRA, EPF and gratuity
Loans
2 tools
EMI and prepayment calculators for every loan
Budgeting
Split your income into buckets and plan for every goal.
Money Bucket Planner
Budgeting
Split your monthly income into buckets — basics, lifestyle, wellness, trips, savings — and see each one in rupees.
Runs in your browser
Savings Goal Calculator
Budgeting
How much to save each month to reach a goal — a trip, a gadget, a wedding — by a target date.
Runs in your browser
Emergency Fund Calculator
Budgeting
How big your emergency fund should be, and how long it will take to build it.
Runs in your browser
Tax & Salary
Income tax, in-hand salary, HRA, EPF and gratuity.
Income Tax Calculator
Tax & Salary
Compare tax under the old and new regimes for FY 2026-27, with deductions, rebate and cess.
Runs in your browser
In-Hand Salary Calculator
Tax & Salary
Turn a CTC into monthly take-home pay after PF, professional tax and income tax.
Runs in your browser
EPF Calculator
Tax & Salary
Project your Employees’ Provident Fund corpus at retirement from salary and contributions.
Runs in your browser
Gratuity Calculator
Tax & Salary
Gratuity payable on leaving a job, from last drawn salary and years of service.
Runs in your browser
HRA Calculator
Tax & Salary
Work out how much of your house rent allowance is tax-exempt under Section 10(13A).
Runs in your browser
Savings & Investments
SIP, lumpsum, FD, RD, PPF and CAGR calculators.
SIP Calculator
Savings & Investments
Project the value of a monthly SIP, with an optional yearly step-up and a year-by-year table.
Runs in your browser
FD Calculator
Savings & Investments
Fixed deposit maturity amount and interest, with quarterly, monthly or yearly compounding.
Runs in your browser
PPF Calculator
Savings & Investments
Fifteen-year Public Provident Fund projection at the current rate, with yearly balances.
Runs in your browser
Lumpsum Calculator
Savings & Investments
See what a one-time investment grows to at an expected annual return.
Runs in your browser
RD Calculator
Savings & Investments
Recurring deposit maturity value for a fixed monthly deposit, compounded quarterly.
Runs in your browser
CAGR Calculator
Savings & Investments
Compound annual growth rate between a starting and ending value over any period.
Runs in your browser
Loans
EMI and prepayment calculators for every loan.
Also free
More free tools
Documents, PDFs, images and developer utilities — still here, still free.
GST Invoice Generator
Documents
Make a GST tax invoice with GSTINs, HSN/SAC codes and the right CGST, SGST or IGST split.
Runs in your browser
Invoice Generator
Documents
Create a professional invoice with your logo, line items and taxes, then save it as a PDF.
Runs in your browser
Resume Builder
Documents
Build a clean, ATS-friendly resume or CV from a form, in a choice of templates.
Runs in your browser
PDF Merger
PDF & Image
Combine several PDFs into one file, in the order you choose.
Runs in your browser
PDF Editor
PDF & Image
Edit text, add text and images, sign, white out, highlight and fill in forms in any PDF.
Runs in your browser
QR Code Generator
QR & Barcode
Create QR codes for links, text, Wi-Fi, contacts, email, phone and UPI, as PNG or SVG.
Runs in your browser
Base64 Encoder
Encoding
Encode text or files to Base64, with URL-safe and MIME options.
Runs in your browser
Image Compressor
PDF & Image
Shrink JPG, PNG and WebP images with a quality slider and optional resizing.
Runs in your browser
- Documents · 10
- PDF & Image · 10
- Text · 2
- QR & Barcode · 2
- JSON · 8
- API · 4
- Encoding · 6
- Developer · 7
- DevOps · 2
- Database · 3
- Networking · 2
Fresh
Recently added
New tools ship regularly. These are the newest.
- SIP Calculator Project the value of a monthly SIP, with an optional yearly step-up and a year-by-year table.
- Savings Goal Calculator How much to save each month to reach a goal — a trip, a gadget, a wedding — by a target date.
- RD Calculator Recurring deposit maturity value for a fixed monthly deposit, compounded quarterly.
- PPF Calculator Fifteen-year Public Provident Fund projection at the current rate, with yearly balances.
- Money Bucket Planner Split your monthly income into buckets — basics, lifestyle, wellness, trips, savings — and see each one in rupees.
- Lumpsum Calculator See what a one-time investment grows to at an expected annual return.
Free for everyone, kept free by you
No sign-up, no paywall, no watermarks — and nothing you upload ever leaves your browser. If a tool saved you time, chip in with PayPal or UPI.
Built differently
Why use Pocketools?
Most online utilities pay for themselves with your attention or your data. This one is built the other way round.
Fast
Pages are server-rendered and the tools run locally, so there is no round trip between typing and seeing a result.
Privacy-first
Client-side tools never send your input anywhere. Where that is true, the page says so — and where it is not, it says that too.
No registration
No account, no email, no paywall in front of a text box. Favourites and preferences live in your browser, not in our database.
Works everywhere
Every tool is laid out for small screens as a first-class case, not as a shrunken desktop UI.
Keyboard-driven
Ctrl/Cmd + K to find anything, Ctrl/Cmd + Enter to run, and full keyboard navigation throughout.
Free
Every tool in the catalog is free to use, with no per-day limits and no watermarked output.