Built for the stretch where income is finally growing and the decisions start compounding — early career through your first real portfolio. Every tool below runs entirely in your browser: nothing is sent anywhere or stored.
Old vs new regime, side by side, with your real numbers — plus a Section 80C tracker and a capital gains estimator for when you sell.
Regime · 80C · Capital gainsBuilding the corpus is the easy part to picture. This checks whether it actually lasts once you start spending it — and the most you can safely draw.
Drawdown · Safe withdrawal rateList every loan and card you're carrying. See avalanche vs snowball side by side, and exactly how much interest extra payments save you.
Avalanche · SnowballSIP, lumpsum, FD, CAGR, goal planning, FIRE accumulation, life cover, and more — the everyday number-crunching.
13 quick calculatorsSee what refinancing, a tenure change, or a part-prepayment actually does to an existing loan.
Refinance · PrepaymentAsk a specific question about your situation and get a plain-language answer — notes, never instructions.
Ask anythingEncrypt sensitive notes with ML-KEM-768 (NIST FIPS 203) post-quantum cryptography, right in your browser — built for the RBI's 2027 quantum-safe push.
Post-quantum encryptionThese are planning aids built on standard, published formulas and current slab rates where relevant — not personalised advice, and not a substitute for a chartered accountant or SEBI-registered adviser for anything binding. Tax rules in particular change with every Budget; always check the current year's figures before filing.
Yes — the tax planner, retirement withdrawal planner, and debt payoff planner are all free, with no signup required.
No. Everything you enter runs in your browser and is discarded when you leave the page — nothing is sent to a server or stored, unless you create a free account, in which case your portfolio and goals are saved to power the rest of the app.
People building their first serious portfolio — typically early-to-mid career professionals whose income is growing and whose financial decisions are starting to compound, rather than complete beginners or ultra-high-net-worth investors.
These tools are stateless by design — nothing you enter is saved. Create a free M∞ account and your portfolio, goals, and net worth are tracked automatically, every time you come back.
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