Question 1

What is calc.finlane.ai?

Accepted Answer

calc.finlane.ai is a free collection of Indian personal-finance calculators covering EMI, SIP, FD, PPF, tax (old vs new regime FY 2026-27), HRA, capital gains, retirement, FIRE, and 11 more. All work in your browser with no signup, no ads, and no data collection.

Question 2

Why use calc.finlane.ai instead of other calculators?

Accepted Answer

Three reasons: accuracy, transparency, and zero friction. Tax slabs and rates are tied to live FY 2026-27 rules from the Income Tax Act and RBI. Every result shows the formula and assumptions. Nothing is hidden behind logins, paywalls, or ads.

Question 3

Which financial calculators are available?

Accepted Answer

Twenty calculators across four categories. Loans and EMI: home, personal, car loan EMI. Investments: SIP, FD, PPF, lumpsum, capital gains. Tax and Salary: old vs new regime, HRA, salary, advance tax, ITR-form selector, 80C planner, NPS benefit, home-loan tax. Plan Your Life: retirement, FIRE, FIRE-roadmap, dream-goal, time-money, money-value-lab.

Question 4

Is calc.finlane.ai really free? Any hidden charges or paid tier?

Accepted Answer

Completely free, with no paid tier planned. Every calculator runs locally in your browser. No subscription, no premium features locked behind a paywall, no usage limits. The site is supported by its parent platform finlane.ai, not by user payments.

Question 5

Do I need to sign up, log in, or share an email?

Accepted Answer

No. Nothing is gated. Open any calculator, enter your numbers, see the result. There is no signup wall, no email capture, no cookie consent banner because there is nothing to consent to. You can use the site fully anonymously.

Question 6

Is my financial data stored or sent to a server?

Accepted Answer

No. Every calculation runs entirely in your browser. The numbers you enter, such as your salary, EMI, or investment amount, never leave your device. We do not log them, store them, or send them to any analytics platform. Voice input uses your browser's built-in speech recognition.

Question 7

Are the tax slabs and rates updated for FY 2026-27?

Accepted Answer

Yes, every rate and slab on the site is locked to FY 2026-27 (AY 2027-28). This includes the new regime slabs, standard deduction of Rs 75,000, Section 80C limit of Rs 1.5 lakh, HRA exemption rules, LTCG thresholds (Rs 1.25 lakh for equity), and surcharge rates. Updates follow each Union Budget within 7 days.

Question 8

How accurate are the calculations? Can I rely on the numbers for filing?

Accepted Answer

Math is exact; tax filing decisions still need a CA. Calculator outputs match the Income Tax Act formulas and standard amortization math used by banks. For ITR filing, capital-gains classification, or large investment decisions, treat results as a planning estimate and consult a chartered accountant for the final filing.

Question 9

Are you SEBI-registered or financial advisors?

Accepted Answer

No. We are not SEBI-registered investment advisors and we do not give personalized investment advice. calc.finlane.ai is an educational tool. The numbers come from public rulebooks (Income Tax Act, RBI, SEBI regulations), not from a person's recommendation. For SEBI-registered advice, consult a Registered Investment Advisor.

Question 10

Does it work on mobile? Tablet? Slow internet?

Accepted Answer

Yes to all three. The site is built mobile-first, works on any modern browser (Chrome, Safari, Edge, Firefox, Brave), loads under 1 second on 4G, and runs offline once cached. Tested on screens from 320px (older Android) to 4K desktop.

Question 11

Can I search calculators by voice or in Hinglish?

Accepted Answer

Yes. Press Ctrl+K (or Cmd+K on Mac) to open search, then tap the mic. Speech recognition handles English and code-switched Hinglish (e.g. "mera SIP kitna hoga", "HRA exemption Mumbai"). The transcribed text searches calculators, concepts, and FAQs simultaneously.

Question 12

How do I save or share a calculation?

Accepted Answer

Click the share button at the top-right of any calculator page. It generates a link that re-opens the calculator with your inputs pre-filled, so you can share it on WhatsApp, X, LinkedIn, or copy it. To save permanently, bookmark the URL. Your inputs are encoded into it.

Question 13

Why are there no ads on the site?

Accepted Answer

Ads create a conflict of interest with accurate advice. An ad-funded calculator is incentivized to push products its advertisers sell. We chose to keep the site ad-free so the result you see is the result the math gives, not a routing toward someone's mutual fund or loan offer.

Question 14

Can I suggest a new calculator or report a bug?

Accepted Answer

Yes. Feedback drives the roadmap. Use the contact link in the footer, or email feedback@finlane.ai with the calculator name, what you tried, and what you expected. Bug reports with reproducible inputs are typically fixed within a few days.

Question 15

How often is the site updated?

Accepted Answer

Tax slabs, rates, and rules update within 7 days of each Union Budget or RBI policy change. Calculator features and SEO content are reviewed monthly. The footer of every calculator page shows the last-reviewed date so you can verify freshness before relying on a number.

Financial tools for every Indian.

Know
what a loan
really costs you.

Grow
every rupee,
over time.

Pay less tax,
not more.

Know when
you can
retire.

Everything worth knowing,
before you start.

Financial tools for every Indian.

Know what a loan really costs you.

Grow every rupee, over time.

Pay less tax, not more.

Know when you can retire.

Know
what a loan
really costs you.

Grow
every rupee,
over time.

Pay less tax,
not more.

Know when
you can
retire.