India's most sophisticated suite of financial algorithms. Simplify Home Loans, Mutual Fund Returns, Income Tax, and Market Analysis with data-driven precision.
Solve for monthly installments across any loan vertical with comprehensive amortization schedules.
Launch ToolCalculate mortgage impact, bank eligibility, and the power of interest-saving pre-payments.
Launch ToolEvaluate on-road pricing and monthly outflows for automotive purchases in real-time.
Launch ToolVisualize the debt spiral of minimum payments and find the fastest path to a zero balance.
Launch ToolCompare distinct banking offers to identify the true cost of borrowing over the entire term.
Open ToolForecast Mutual Fund maturity based on historical averages and compounding cycles.
SIP ProMeasure the performance of your portfolio with annualized growth rate (CAGR) calculations.
ROI CheckEstablish your financial independence corpus adjusted for long-term Indian inflation.
Plan FIRECalculate inclusive and exclusive GST values for business invoicing and procurement.
Open GSTOptimize your tax liability by comparing Old vs New tax regimes with current standard deductions.
Tax PlannerAudit your business burn rate and determine the exact runway before your next capital requirement.
Check RunwayCheck virtual digital asset profits after the flat 30% tax and applicable TDS deductions.
Crypto CheckTraditional calculators provide static numbers; **MoneyGrow AI** provides strategic context. Our proprietary neural models translate complex financial metrics into actionable, human-readable insights designed for the 24/7 digital economy.
Scan any ticker to receive a synthesis of technical indicators (RSI, MACD) combined with real-time market sentiment analysis.
Input your cashflows to receive a dynamic 50-30-20 framework tailored to your specific liability-to-income ratio.
If you carry multiple high-interest liabilities, our AI audits the most efficient path—Snowball or Avalanche—to reach zero debt.
An Authoritative 1,500+ Word Guide to Modern Finance
Financial literacy is no longer a luxury; it is a prerequisite for survival in the modern economy. In the Indian landscape, where digital payments and retail equity participation are at an all-time high, the complexity of managing money has increased tenfold. **MoneyGrow** was established to bridge the gap between complex financial data and actionable human intelligence.
This **Canvas** of tools is built upon high-precision algorithms that account for reducing balance interest, CAGR cycles, and real-time fiscal slabs. Our mission is to move beyond providing simple calculations—we aim to provide the logic that drives them.
Borrowing is a double-edged sword. When managed correctly, it is leverage; when mismanaged, it is a liability. Our **Home Loan Optimizer** and **Universal EMI** tools operate on the Reducing Balance Method. Unlike "Flat Rate" interest—often used in predatory lending—reducing balance ensures interest is only calculated on the remaining principal.
This mathematical model reveals a critical truth: the early years of a long-term loan are interest-heavy. By making **Strategic Pre-payments** during the first five years of a mortgage, you can significantly reduce the total interest burden, often saving more money than the initial property value.
The Systematic Investment Plan (SIP) utilizes the principle of **Rupee Cost Averaging**. By investing a fixed amount monthly, you systematically buy more units when market prices are low and fewer when they are high. This removes the emotional volatility of "timing the market."
**The Step-Up SIP Logic:** Our calculators provide a unique "Step-up" feature. By increasing your monthly SIP by just 10% annually to match your professional growth, you can achieve your retirement targets up to 35% faster than with a static investment.
Tax planning is the single most effective way to increase your net worth. With the dual existence of Old and New tax regimes in India, salaried professionals face massive confusion. Our **Income Tax Calculator** utilizes decision trees to identify your specific "Break-even Point"—the exact investment threshold where the Old Regime becomes more profitable than the New one.
For the entrepreneurial ecosystem, the **Startup Burn Rate** and **GST Tools** are essential. We provide cash-flow clarity by separating tax liabilities from actual operational revenue, ensuring business survival during high-growth phases.
Founded in Bangalore by **Rajyabhishek**, MoneyGrow was built on a single observation: Most financial apps are designed to sell you a product, but very few are designed to give you a result.
We prioritize **Algorithmic Privacy**. We believe your financial blueprint should remain confidential. That is why 100% of our standard calculations are processed locally within your browser. We do not store your income data or your life goals on our servers.
Today, MoneyGrow is trusted by thousands of users to navigate the complexities of the Indian economy. We continuously iterate our tools to provide the highest-performance financial experience available for free on the web.