Plan the loan. Measure the return. Track every rupee.
Free finance calculators and simple trackers for home loans, SIPs, expenses and trades. Fast, private and built for Indian investors.
Your loan is in one app.
Your investments are in another.
Your spends are in a notebook.
Good money decisions need all of it, together.
One place for the numbers that matter
Know your EMI before the bank tells you
Home loan and car loan calculators with a full repayment schedule, plus a side-by-side look at what banks charge.
See the true return on every investment
XIRR for SIPs and irregular cash flows, CAGR, step-up SIP and more. Plain answers, no jargon.
Find where your month goes
Log spends, tag categories and watch the bars. Your data stays in your browser.
Compare what banks are offering
Home, car, personal and business loan rates from public and private banks, with the full range for each.
Learn from every trade
P&L, win rate and profit factor from a journal that takes a minute to fill in.
Tools for every money question
Move a slider, see the answer
All finance calculators
Pick any calculator. Results update as you type.
Good to know
Is mintwithsid free?
Yes. Every calculator and tracker is free, and you can use them without an account.
Where is my data stored?
In your own browser. The expense tracker and trading journal never send your entries to a server.
Are the tax figures current?
The income tax and advance tax calculators use FY 2026-27 rules for both the old and new regimes.
Where do the loan rates come from?
From public comparison sites, each marked with its “as on” date. Rates change often, so confirm with the bank before you apply.
Is this financial advice?
No. The tools are for information only. Talk to a qualified adviser for decisions that matter.
Not sure where to start?
Most people begin with the EMI calculator. It takes ten seconds.
Change any value and the result updates instantly.
More calculators
Home Loan Calculator
Move the sliders or type exact values.
XIRR calculator
Enter money you put in as negative, and money you get back (including today's value) as positive.
Sample SIP rows are filled in. Edit them and calculate.
Loan interest rates
See what banks and lenders charge for home, car, personal and business loans. Check the full rate range, the fees and a monthly EMI for your loan size.
Rates are indicative figures published by comparison sites on the dates shown. Your offer depends on your credit score, income, loan size and tenure. Check the final rate and fees with the lender before you apply.
Expense tracker
Log spending, set monthly budgets and see where your money goes. Everything is saved on this device only.
Spending breakdown
Spending by category
Budget vs. actual
Trends and payment methods
Monthly spending vs. budget and income
Spending by payment method
| Date | Category | Description | Payment | Amount |
|---|
| Category | Monthly budget | Spent | Remaining | % used | Status |
|---|
Trading journal
Log options and equity trades, track P&L, win rate, drawdown and strategy performance. Everything is saved on this device only.
Equity curve
Win / loss split
Daily P&L
P&L by strategy
Insights
| Date | Underlying | Strategy | P&L | RR | Drawdown | Setup | Notes |
|---|
Your trades are saved in this browser only. The sample trades are examples, so delete them to start fresh.
Hi, I'm Sidharth Gupta
Founder, mintwithsidI started mintwithsid to make everyday money maths simple for people in India. Working out an EMI, a SIP return or your tax should take seconds, not a spreadsheet and a lot of guesswork.
I share simple money explainers and new tools on social media as I build them. Follow along, and tell me which calculator you want next.
Money should not feel confusing.
A calculator should take seconds.
So I built mintwithsid.
Three things I will not compromise on
Answers in seconds, not minutes
Move a slider and the result updates instantly. No forms to fill and no waiting.
Current rules, clear limits
Tax tools follow FY 2026-27 rules and loan rates show the date they were taken. Every result is an estimate, never advice.
Rupees, lakh and crore
Everything is in rupees and shown the way you read money, with Indian number grouping.
From question to answer in three steps
Pick a tool
Choose a calculator, the loan comparison, or open your tracker or journal.
Move the sliders
Set amount, rate and time. The result changes as you go.
Save it
Download a branded PDF of your result to keep or share.
Please note
The calculators give estimates for information only and are not financial, tax or legal advice. Bank rates and rules change often, so confirm the details with your bank or a qualified adviser before you decide.
Ready to try it?
Start with the home loan EMI calculator. It takes ten seconds.
Market events tracker
The events that can move markets, which regions and asset classes they touch, and what to watch. Pick a time window, then tap a cell in the heatmap to see only the events behind it.
Where the event risk sits
Each number is the weighted count of events that can move that market (high impact counts 3, medium 2, low 1). It shows exposure, not direction.
Ongoing risks
No fixed date, but they can move markets on any headline. They are counted in the heatmap.
Just happened
Events from the last two weeks that markets are still digesting.
Financial health score
Answer a few questions to get a score out of 100, see where you are strong, and find the three changes that would help most. Nothing leaves your device.
About you
Your top three fixes
This is a general guide built on common rules of thumb, such as six months of expenses as an emergency fund and ten times annual income as life cover. It is not financial advice. Your own situation may call for different targets.
We would love to hear from you
Questions, feedback, a calculator you want us to add, or a mistake we should fix? Message us on any of these and we will do our best to reply.
@mintwithsid
Send a messagemintwithsid
Send a messageYouTube
@mintwithsid
Leave a commentReporting a mistake?
Please tell us which calculator or page, the numbers you entered, what you expected and what you saw. A screenshot helps a lot.
Want a new calculator?
Tell us what you are trying to work out. The tools on this site started with requests like yours.
Privacy policy
Last updated: 9 October 2026
This page explains, in plain language, what mintwithsid.com does and does not do with your information. We keep it simple because the site is simple.
What we collect
We do not ask you to create an account to use any calculator, the loan comparison, the expense tracker or the trading journal. The Log in and Sign up screens are not connected to a service yet, so anything you type there is not saved or sent anywhere.
What stays on your device
The expense tracker and trading journal save your entries in your own browser storage so they are still there when you return. We cannot see them and we do not receive them. Your theme choice (dark or light) is saved the same way. Clearing your browser data removes all of it.
Calculators
The numbers you enter into calculators are used only to show you a result on your screen. When you download a PDF, it is created on your device.
Third-party services
To load, the site fetches fonts and code libraries from third-party hosts, including Google Fonts and cdnjs. Like any website request, this lets those services see your IP address and browser details under their own privacy policies. The site also links to other websites, such as our social pages and the sources of the loan rates. We do not control those sites and are not responsible for their practices.
Cookies and tracking
We do not set advertising cookies and we do not run analytics on this site at the time of writing. The place where the site is hosted may keep standard server logs.
Children
The site is meant for adults. We do not knowingly collect information from children.
Changes
If we add accounts, analytics or anything else that changes how information is handled, we will update this page first and change the date above.
Questions
If you have a question about this policy, reach us through the page.
This policy is a plain-language summary and is not legal advice.
Terms of use
Last updated: 9 October 2026
By using mintwithsid.com you agree to these terms. If you do not agree, please do not use the site.
What the site is
mintwithsid provides free calculators, rate comparisons and record-keeping tools for general information and personal planning.
Not advice
Nothing on the site is financial, investment, tax or legal advice, and nothing is an offer or recommendation to buy or sell anything. See the for details.
Accuracy
We work to keep the tools and data correct and current, but we do not promise that they are free of errors or up to date. Tax rules, bank rates and exchange rates change often. Results are estimates and may differ from what a bank, the government or a tax authority applies to you.
Your responsibility
You are responsible for the numbers you enter and for any decision you make using the results. Please confirm important figures with your bank, lender or a qualified professional.
Your data
Entries in the expense tracker and trading journal are stored in your browser. You are responsible for keeping your own backups. We cannot recover data that you or your browser delete.
Acceptable use
Do not misuse the site, try to break or overload it, copy it in bulk, or use it for anything unlawful.
Ownership
The site design, text, logo and code belong to mintwithsid unless stated otherwise. Bank and company names mentioned belong to their owners and are used only to identify them.
Third-party links
We link to other sites for your convenience. We are not responsible for their content or services.
Limit of liability
To the fullest extent the law allows, mintwithsid is not liable for any loss or damage arising from your use of the site or from reliance on its results. The site is provided as it is, without warranties of any kind.
Changes and law
We may update these terms and the date above will change when we do. These terms are governed by the laws of India.
These terms are a plain-language summary and are not legal advice.
Disclaimer
Last updated: 9 October 2026
The information and tools on mintwithsid.com are for general information and education only.
- Not advice. Nothing here is financial, investment, tax, accounting or legal advice, or a recommendation to buy, sell or hold any security, product or loan.
- Estimates only. Calculators use the values you enter and simplified assumptions. Real outcomes depend on your lender, your taxes and many other factors.
- Investments carry risk. Returns shown in a calculator are not guaranteed. Market investments can lose value, and past performance does not predict future results.
- Tax rules change. The tax tools follow rules for FY 2026-27 as we understand them. Surcharge, special cases and exemptions may not all be covered. Check with a qualified tax professional.
- Rates and prices change. Loan rates come from public comparison sites and show the date they were taken. Exchange rates are reference rates and are not what a bank or card will give you. Always confirm with the provider.
- Get professional help. For decisions that matter, please speak to a qualified, registered adviser.
- Brands. Bank and company names and logos belong to their owners. Their appearance here does not mean they endorse or are partnered with us.