The VixitAI free financial tools are 81 calculators and generators at vixitai.com/tools, covering Indian tax and salary, investments, loans, property, business admin, and a set of US and UK calculations. This page is the map — what exists, which one you actually want, and where the written explanation for each lives.
Two design decisions shape the whole set. First, there is no signup: no email, no phone number, no account. Second, the arithmetic runs in your browser, so the salary, loan or portfolio figures you type never leave your device.
Tax and compliance
The busiest group, and the one most people arrive for.
| Tool | What it answers | Guide |
|---|---|---|
| Income Tax Calculator | Old regime vs new regime, side by side | Tax slabs 2026-27 |
| GST Calculator | CGST, SGST and IGST splits, inclusive or exclusive | What is GST |
| TDS Calculator | Deduction at source by section | Filing ITR online |
| HSN Code Search | The HSN code and GST rate for a product | GST return filing |
| Capital Gains Calculator | LTCG and STCG on your holdings | Mutual fund taxation |
| Crypto Tax Calculator | The 30% regime on virtual digital assets | Crypto tax India |
| Professional Tax | State-wise professional tax | PT rates by state |
If you only ever open one of the VixitAI free financial tools, make it the Income Tax Calculator. The old-versus-new regime question is genuinely non-obvious — the right answer flips depending on how much you actually claim under 80C, HRA and the rest — and it is worth ten minutes once a year rather than a guess.
Salary and employment
Everything between what an employer offers and what lands in your account:
- Salary Breakup Calculator — turns a CTC offer into actual in-hand pay. Read CTC vs in-hand first if the offer letter is confusing you.
- HRA Calculator — how much of your rent allowance is actually exempt (HRA rules).
- EPF Calculator — provident fund corpus at retirement (EPF guide).
- Gratuity Calculator — the formula, the eligibility rule and the tax exemption.
- Leave Encashment and Full & Final Settlement — for when you are leaving.
- Payroll and Employee Cost — for when you are the one paying.
Investments and savings
Returns, projections and comparisons. These are the tools people use to argue with themselves before committing money:
| Tool | Use it when |
|---|---|
| SIP & Step-up SIP | You want to model a monthly investment that grows each year |
| FD Calculator | Comparing fixed-deposit offers on compounding, not headline rate |
| RD Calculator | A recurring deposit's maturity value |
| PPF Calculator | The 15-year public provident fund arc |
| NPS Calculator | Pension corpus and the annuity split |
| Compound Interest | The general case, when nothing else fits |
| FIRE Calculator | Working out your financial-independence number |
| SWP Calculator | Drawing an income down from a corpus |
| Inflation Calculator | Checking whether a "return" is actually a return |
The FD vs RD vs SIP comparator is the one to reach for when the real question is which instrument, not how much.
Loans and property
Borrowing, and the specific Indian property arithmetic that surrounds it:
- EMI Calculator — with a full amortisation schedule, so you can see how much of an early instalment is interest (how EMI is calculated).
- Loan Comparison — two offers, side by side, including processing fees.
- Home Loan Eligibility — what a bank is likely to sanction on your income.
- Rent vs Buy — the calculation most people do emotionally.
- Registration & Stamp Duty, Property ROI, Rental Yield and Rental Income Tax.
- Education Loan EMI — with the moratorium period handled properly.
Pair the EMI calculator with the prepayment guide if you are deciding whether to pay a lump sum into an existing loan. The answer is usually "yes and earlier than you think", but the numbers are worth seeing.
Business and freelance admin
The group that gets overlooked, and is arguably the most useful if you work for yourself:
- Invoice Generator and Rent Receipt Generator — documents, not calculations.
- Freelance Rate Calculator — what to charge per hour to hit a target annual income.
- Freelance Tax Estimator — paired with the freelancer tax guide.
- Startup Cost, Balance Sheet, Client Payment Tracker, Proposal Generator.
- YouTube Earnings, Social Media Rate Card and Content ROI for creators.
US and UK calculators
Not everything in the VixitAI free financial tools set is India-specific. There is a full US retirement group — 401(k), Roth IRA, Backdoor Roth, HSA, RMD — plus US mortgage, student loans, credit score and a debt payoff planner for snowball versus avalanche.
For the UK: Stamp Duty (SDLT), National Insurance, pensions and auto-enrolment, and buy-to-let including the Section 24 tax treatment.
Everyday calculators
Finally, the small ones that are just useful: percentage, unit converter, currency, age, date difference, BMI, tip, GPA to percentage and a carbon footprint estimator.
Why the maths runs in your browser
This is the design decision behind the VixitAI free financial tools that is worth explaining, because it is unusual and it is the reason there is no signup.
A calculator that computes on a server has to receive your numbers. That means your salary, your loan balance, your portfolio and sometimes your PAN travel across the network and land in somebody's logs — and once a company holds that, it has both an incentive to build an account system around it and an obligation to protect it. The usual result is the pattern everyone recognises: a free calculator that wants your email before it will show the answer, and a marketing list afterwards.
Doing the arithmetic in JavaScript on your own device removes the whole chain. There is no submission, so there is nothing to store, so there is no account to create and no list to join. It also means the tools keep working on a bad connection, and that you can check what they do — the calculation is running in a page you already downloaded.
The trade-off is that nothing is saved between visits. That is deliberate. If you want a record, print the page or copy the figures out.
Choosing between the ones that look similar
A few pairs get confused often enough to be worth disambiguating:
| If you are asking… | Use | Not |
|---|---|---|
| What will my monthly investment be worth? | SIP calculator | Compound interest |
| What will one lump sum grow to? | Compound interest | SIP calculator |
| How much can I borrow? | Home loan eligibility | EMI calculator |
| What will the instalment be? | EMI calculator | Loan comparison |
| Which of two loan offers is cheaper? | Loan comparison | EMI calculator |
| How much rent exemption can I claim? | HRA calculator | Income tax calculator |
| What is my total tax either way? | Income tax calculator | HRA calculator |
The recurring mistake is reaching for the general tool when a specific one exists. Compound interest will happily model a SIP if you know how to structure the inputs, but the SIP calculator already handles the monthly-contribution timing correctly, and the difference over ten years is not small.
How to get the most out of them
Three suggestions, from watching how people actually use this kind of tool:
- Read the guide next to the calculator. Every major tool has a written explainer covering the formula and the assumptions. A number without the rule behind it is easy to misread — especially on tax, where an exemption you did not know about changes the answer entirely.
- Run the comparison, not just the calculation. The comparators — old vs new regime, FD vs RD vs SIP, rent vs buy, snowball vs avalanche — are where the decisions actually get made.
- Verify anything you are filing. These are calculators, not advice, and rules change mid-year. For anything going on a return, confirm against the official portal.
The full directory is at vixitai.com/tools, and the rest of this blog is the written half of the same project. If you want the wider context on who builds these, see what VixitAI is.
Open the tools directory
All 81 calculators in one place — no account, no email, nothing sent to a server.
Browse all 81 tools →Start with the tax calculator →
Frequently Asked Questions
Are the VixitAI free financial tools really free?
Yes. All 81 calculators at vixitai.com/tools are free with no account, no email and no phone number required. There is no paid tier and no usage limit on them.
Do the VixitAI calculators store my salary or loan data?
No. The calculations run in your browser using JavaScript, so the figures you type are computed on your own device and are not transmitted to a server or saved to an account.
Which VixitAI tool should I use to compare the old and new tax regime?
Use the Income Tax Calculator at vixitai.com/tools/income-tax-calculator. It computes your liability under both the old and the new regime side by side so you can see which is cheaper for your income and deductions.
Do the tools cover countries other than India?
Mostly India, but there are dedicated US calculators for 401(k), Roth IRA, HSA, RMD and student loans, and UK calculators for stamp duty, National Insurance, pensions and buy-to-let.
Are the VixitAI tools financial advice?
No. They are calculators — they apply published rules and formulas to the numbers you enter. They do not recommend products, funds or lenders. Check the result against the current official rules before acting on it.
How often are the calculators updated for new tax rules?
Rates and slabs are updated as the rules change, and each calculator has a written guide alongside it explaining the formula and the assumptions applied. Always confirm the current year's rates on the official government portal for anything you are filing.