About fino.tools
Free financial calculators for India, USA, Canada and Singapore — built to give you answers, not subscriptions.
Why we built this
fino.tools started as a personal project. I kept needing a good EMI calculator that wasn't buried in ads, a home loan amortization table that I could actually export, and an income tax comparison tool that showed old vs new regime side-by-side without needing a CA.
When I moved countries, the problem got worse — I needed RSU tax calculators, TFSA room trackers, CPF allocation tools. Most existing options were either wrong, US-only, or paywalled. So I built them.
Today fino.tools covers 54 calculators across four countries. Everything is free, runs in the browser, and stores nothing. That's the deal — and it's not changing.
What we stand for
Accuracy first
Every formula is verified against official sources — RBI, IRS, CRA, IRAS. We update calculators when tax rules or contribution limits change.
Zero data collection
All calculations run in your browser. We never store, log, or sell anything you type into a calculator. No account required.
Multi-country coverage
Built for Indians, NRIs, and immigrants in the USA, Canada, and Singapore who need localized financial tools that actually match their situation.
Instant results
No loading spinners. No 'calculate' buttons that do nothing. Results update in real time as you adjust sliders and inputs.
Education alongside tools
Each calculator explains what the numbers mean — not just what they are. We want you to understand your finances, not just get a number.
Built for real people
We design for salaried employees, freelancers, NRIs, and first-time investors — not just finance professionals with Bloomberg terminals.
The team
Pradeep Saran
Founder & Developer
Built fino.tools to solve a problem I kept running into: financial calculators that were either too simple, behind a paywall, or not relevant to India and NRI contexts.
Sandeep Saran
CEO & Strategy
Focuses on expanding fino.tools' country coverage and making sure every calculator reflects how real people actually think about their money.
What users say
"The income tax old vs new regime comparison saved me hours. I switched to the new regime and saved ₹34,000."
Ananya K.
Mumbai
"As an NRI I use the RSU tax and ESPP calculators every vesting cycle. Finally tools that understand my actual tax situation."
Vikram S.
San Francisco
"I recommended the SIP and PPF calculators to my entire WhatsApp family group. Everyone bookmarked it."
Ravi M.
Bangalore
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