Financial wellness for Indian professionals
Know your
financial health.
Plan your future.
India's free finance toolkit — from your personalized Health Score to SIP, EMI, tax calculators, markets and rates. Clear numbers. Calm design.
Financial Health Score
Sample preview · FY 2025-26
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Everything You Need
Your complete financial toolkit
All tools are free, instant, and private. No sign-up required to use calculators.
Financial Health Score
Flagship0–100 wellness score — cash flow vs wealth-building, with Improve Your Score.
Take the quiz
Insurance Protection
Protection Check, life/health gaps, business & climate education — India’s financial protection hub.
Insurance Protection Check
8-step score for life, health, accident, loans and emergency fund with an action plan.
SIP Calculator
Plan mutual fund SIPs with What-If mode for amount and duration changes.
Most used
EMI Calculator
Calculate loan EMI with income ratio health commentary.
Home Loan Eligibility
Estimate max home loan from income, FOIR, rate and tenure.
Home Affordability
Find the max property price you can buy with EMI comfort.
Stamp Duty Calculator
Estimate stamp duty and registration costs with state presets.
Loan Prepayment Calculator
Compare reduce-tenure vs reduce-EMI after a part payment.
Income Tax Calculator
Compare Old vs New tax regime and find which saves you more.
Retirement Calculator
Inflation-adjusted retirement corpus with monthly SIP needed.
Stock Analysis Hub
Health Score™, report card, fair value, screener, compare & multibagger tools.
Mutual Fund Research
Holdings, overlap, duplication, returns, compare and SIP planning with latest available NAV.
IPO Tracker
GMP, opportunity score, heat meter, calendar, capital allocator, SME & mainboard.
IPO GMP Calculator
Expected listing price = issue price + GMP; estimate listing profit.
IPO Listing Gain Calculator
Investment, listing value, profit/loss and return % from expected listing price.
IPO Allotment Probability
Estimate retail/HNI allotment odds from subscription and lots applied.
IPO Portfolio Tracker
Track applied, allotted and listing gains locally in your browser.
Metals Hub
Live rates, analytics, jewellery calculators, portfolio, comparison & city SEO pages.
Bank Interest Rates
Compare savings, FD, RD, home & personal loan rates with calculators and bank pages.
Currency Converter
Market dashboard, multi-currency compare, strongest/weakest movers, converter and travel planner.
Inflation & Purchasing Power
Inflation calculator plus city purchasing-power comparison for the same salary.
Fuel Prices
Petrol, diesel, CNG and LPG across major Indian cities.
Fuel Cost Calculator
Trip fuel, toll, cost/km, monthly spend, salary %, and petrol vs diesel vs CNG vs EV.
Mileage Calculator
Calculate km/L, km/kg or EV km/kWh from distance and fuel used.
EV Savings Calculator
Compare petrol vs electric running costs monthly and annually.
Fuel vs Monthly Income
See what % of your salary fuel consumes — a shareable salary impact number.
Goal Planner
Set financial goals and get the exact SIP amount to reach them.
Dream House Planner
Future house price, EMI, and step-up SIP plan for down payment or full cost.
₹1 Crore Builder
Step-up SIP + lumpsum projection to build ₹1 crore by your target age.
FIRE Number
FIRE Number, FIRE age, gap/surplus, SIP, Coast/Lean/Fat, tax & debt — path to financial independence.
FD / RD Calculator
Compare fixed deposit and recurring deposit returns side by side.
PPF Calculator
Public Provident Fund maturity with annual deposits and year-wise interest.
NPS Calculator
National Pension System corpus, lumpsum vs annuity, and monthly pension.
Rental Yield Calculator
Net rental yield after taxes and costs — with or without home loan.
Policy Continue / Stop
Decide whether to continue or surrender an insurance policy vs investing elsewhere.
Rate to Rupees
Convert annual % to monthly ₹ on every ₹100 — the classic rate ÷ 12 chart.
Interest Calculator
Simple or compound interest with required start & end dates (actual/365).
RBI Repo History
Repo, CRR, SLR and monetary policy decision timeline.
Credit Card Compare
Smart recommendations, compare 4 cards, reward explorer, category & vs pages.
Demat Accounts
Compare Zerodha, Groww, Angel One, Upstox and more — then open an account.
Live Markets Hub
Fuel, MF NAV, stocks, FX, RBI, bank links & cards — live with fallbacks.
In 3 Minutes
How the Health Score works
Answer 12 questions
Your income, expenses, savings, debt, investments and insurance — all in plain language, no jargon.
Get your score
A 0–100 score across 6 dimensions. See instantly where you're strong and where you need attention.
Get recommendations
Prioritised, personalised action steps — not generic advice. Jump straight into the relevant calculator.
Live Snapshot
Markets at a glance
Your financial health report
is waiting.
Takes 3 minutes. Free forever. No email required. Just honest numbers about your money.
Check My Financial Health ScoreAbout EnrichReturns
EnrichReturns brings Indian money tools together — calculators, live rates, IPO research and metals — so you can plan without juggling ten websites.
How it works
Use the tools grid to open a calculator or market hub. Share links keep your inputs; most tools run privately in your browser.
Practical tips
Start with Financial Health Score or SIP if you are investing, EMI and home-loan tools if you are borrowing, and Markets Hub for live snapshots.
Important to know
Rates and scores are informational. Confirm bank, jeweller or broker quotes before you act.
Frequently Asked Questions
- What is EnrichReturns?
- EnrichReturns is a free toolkit of Indian financial calculators, live market rates, metal prices, and a Financial Health Score — built for salaried professionals.
- Is EnrichReturns free to use?
- Yes. Calculators and rate tools are free. No sign-up is required to run calculations on this site.
- Do you store my salary or loan details?
- Inputs stay in your browser for share/save features. We do not require an account to use calculators, and you should not enter passwords or banking logins here.
- Which calculators are most useful for beginners?
- Start with Financial Health Score, SIP Calculator, EMI Calculator, and Income Tax (old vs new regime). Then explore goal and retirement tools.
- Are the results financial advice?
- No. Numbers are estimates for education and planning. Confirm rates, tax rules, and eligibility with your bank, CA, or advisor before deciding.