Your money,
finally clear.
Zarth is your money toolkit: instant calculators for salary, tax, loans and investing, a private tracker for your net worth and goals, and plain-language guides. No sign-up — your numbers never leave your device.
- No login, ever
- Private by design
- Free forever
Pick what you need today.
Calculate
Get a quick answer — 27 calculators for salary, tax, loans, investing and retirement.
Browse calculators 2Track
Keep an eye on your money over time: net worth, goals and your path to financial freedom, in My Money.
Open My Money 3Learn
Understand the why — short guides with live diagrams, today’s rates and tax limits.
Start learningWhat do you want to figure out?
Four areas, every tool one click away.
What do I actually take home?
See exactly where your CTC goes, which tax regime saves you more, and how much HRA you can claim.
What will this loan really cost?
Know the real cost of a loan, how much you can borrow, and what prepaying does to your interest.
How big can my savings grow?
Watch money compound — SIPs, lumpsums, FDs, RDs and PPF — and plan the SIP for any goal.
Not just answers. A place to grow.
Track everything you own, every goal, and your climb to financial independence — with a two-minute monthly check-in. No sign-up, nothing on our servers, backups you control.
- Net worth across funds, PF, NPS, FDs, gold & property
- FI number, Coast FI and your projected freedom date
- 2,000-scenario check on whether your money will last
- Goals that grow with inflation and tell you if you’re on track
- Any currency · backups as a file, password-protected if you like
Understand the why
Short guides with live diagrams — read one in the time it takes to drink your chai.
The new tax regime, explained in five minutes
How the FY 2026-27 slabs actually work, why ₹12.75 lakh of salary is tax-free, and what you can and can’t claim.
CTC vs in-hand — where your salary actually goes
Your offer says ₹15 lakh. Your bank sees about ₹1.1 lakh a month. Here’s every rupee in between, and what you can change.
How EMI works — and why early EMIs are mostly interest
Watch a loan’s EMI split between interest and principal month by month, and see why tenure and early prepayments matter so much.
Your numbers stay yours.
Zarth has no accounts and no database. Every calculation runs inside your browser. We can’t see your salary, your loans or your savings — and we never will.