🛠️ 34+ Free Tools for India

Financial Tools & Utilities

Beyond calculators — quizzes to test your knowledge, planners to manage your budget, simulators to explore scenarios, and dashboards to track everything in one place.

34+Tools
7Categories
100%Free
0Ads
🧠 Quizzes & Assessments

Test Your Financial Knowledge

Interactive quizzes that score your financial fitness, discover your money personality, and generate a shareable report card.

🎯 Planning & Strategy

Plan, Optimize & Simulate

Powerful planning tools to budget your income, optimize taxes, simulate what-if scenarios, and navigate financial decisions.

📡 Dashboards & Tracking

Track & Monitor Your Finances

Unified dashboards, milestone trackers and monitoring tools to keep your financial journey on course.

📄 Documents & Utilities

Generate & Share

Create professional documents and beautiful shareable cards from your financial results.

🏠 Life Planning

Plan Life's Big Milestones

Tools to plan for life's biggest financial decisions — loan eligibility, insurance needs, salary optimization, weddings and children's education.

🏦

Loan Eligibility Checker

Check your eligibility for Home, Personal & Car loans based on income, CIBIL score, age and existing EMIs. Visual CIBIL meter and FOIR analysis.

🏠 Home Loan 📊 CIBIL 💰 FOIR
Check Eligibility
🛡️

Insurance Need Calculator

Calculate life & health insurance coverage you actually need — income replacement, debt coverage, goals, emergency fund. Gap analysis included.

🛡️ Life Cover 🏥 Health Cover 📊 Gap Analysis
Calculate Coverage
💼

Salary Structure Optimizer

Restructure your CTC for maximum take-home pay. Toggle HRA, NPS, LTA, food coupons and more. Old vs New regime comparison with before/after breakdown.

💼 CTC Optimizer 🧾 Tax Regime 💰 Take-Home
Optimize Salary
💼

Job Offer Evaluator

Compare Offer A vs Offer B with real in-hand salary, city-adjusted expenses, variable pay risk, and 5-year wealth projection before you switch jobs.

💼 Offer A/B 🏙️ City Cost 📈 5-Year Wealth
Evaluate Offers
🏡

Home Buying Command Center

Run your complete buy decision stack: EMI load, full ownership outflow, rent-vs-buy wealth comparison, breakeven year, and a practical purchase readiness score.

🏡 Buy Decision ⚖️ Breakeven 🛡️ Readiness
Open Command Center
📩

Tax Notice Readiness Assistant

Run a preventive tax notice risk check with AIS and 26AS mismatch simulation, documentation readiness score, and response timeline playbook.

📩 Notice Risk 🔎 AIS/26AS 🧭 Response Plan
Check Readiness
💼

Freelancer CFO Suite

Run your freelance business command center: irregular income forecast, reserve target, tax/GST planner, runway risk score, and monthly draw smoothing strategy.

💼 Creator Ops 🛟 Reserve Engine 📅 Compliance
Open CFO Suite
🛡️

Insurance Intelligence Studio

Audit your entire insurance stack: life and health adequacy, overlap leakage, premium efficiency, and claim readiness with a clear correction roadmap.

🛡️ Gap Audit 🔍 Overlap Check 📂 Claim Ready
Open Studio
🚨

Financial Emergency Simulator

Simulate combined financial shocks like job loss, medical events and EMI spikes with days-to-danger score, weekly burn timeline and recovery playbook.

🚨 Stress Test 📉 Survival Timeline 🧭 Recovery Plan
Run Simulator
🧾

Legacy, Nomination & Inheritance Planner

Build a family transfer readiness plan with nominee coverage checks, will readiness score, inheritance pathway guidance, and a 30/90 day action roadmap.

🧾 Legacy Planning 👥 Nominee Gaps 📜 Will Readiness
Plan Family Transfer
🧪

Portfolio Stress Test Lab

Simulate inflation, recession, rate and rupee shocks on your allocation with drawdown estimate, recovery timeline, fragility score and rebalance guardrails.

🧪 Regime Testing 📉 Drawdown 🧭 Fragility Score
Run Stress Test
🧠

Decision Copilot Workbench

Make high-stakes decisions with a weighted criteria engine, threshold sensitivity map, confidence boundary scoring, and exportable decision memo.

⚖️ Weighted Matrix 🔬 Sensitivity 🧾 Memo Export
Open Workbench
💒

Marriage Cost Planner

Plan your Indian wedding budget with 12 category breakdown — venue, catering, jewellery, photography & more. Budget/mid-range/premium tiers with city-based estimates.

💒 Wedding 🏛️ 12 Categories 🏙️ City Tiers
Plan Your Wedding
🎓

Child Education Planner

Project future education costs with 10% education inflation. School, college, PG, abroad — toggle stages and see SIP needed to fund your child's dreams.

📚 School to PG ✈️ Abroad 💰 SIP Plan
Plan Education
🎮 Gamification & Learning

Learn, Challenge & Achieve

Gamified challenges, structured learning paths and achievement badges to make mastering personal finance fun.

🧪 Utility Tools (Non-Financial)

Fast Everyday Unit Conversions

Non-financial utility tools that solve practical conversion needs with instant results and no clutter.

What Makes Our Tools Different

Every tool is designed for clarity, accuracy and speed — no sign-ups, no ads, no gimmicks.

🎯
Interactive & Real-Time

Instant results as you interact — no loading, no waiting, no page reloads.

📱
Mobile-First Design

Fully responsive — works perfectly on phones, tablets and desktops.

🎮
Gamified Experience

Badges, streaks, XP and milestones make finance learning fun.

📤
Shareable Results

Download reports, share cards and export results as images or PDFs.

🔒
100% Private

Everything runs in your browser. Nothing is stored or shared.

🇮🇳
Made for India

Tax rules, schemes and data updated for FY 2026-27.

Frequently Asked Questions

Tenhash offers 33+ free financial tools including the Financial Health Quiz, Money Personality Quiz, Household CFO, Freelancer CFO Suite, Insurance Intelligence Studio, Financial Emergency Simulator, Legacy Inheritance Planner, Portfolio Stress Test Lab, Decision Copilot Workbench, Job Offer Evaluator, Home Buying Command Center, Tax Notice Readiness Assistant, Budget Planner, Tax Optimizer, What-If Simulator, Financial Dashboard, Rent Receipt Generator, Decision Flowcharts, Wealth Milestone Tracker, Shareable Financial Cards, 30-Day Money Challenge, Financial Learning Paths, Achievements system, Financial Calendar and more.
Start with the Financial Health Quiz — it takes just 2 minutes and gives you a score across 6 dimensions. Then try the Budget Planner to allocate your income, and the Tax Optimizer to maximize your savings. If you want to explore scenarios, the What-If Simulator is incredibly powerful.
Yes. Every tool on Tenhash is 100% free with no sign-ups, no ads, no paywalls and no data collection. We believe financial tools should be accessible to everyone.
Absolutely. All tools run entirely in your browser. No data is sent to any server, stored in any database, or shared with any third party. Your financial information stays on your device.
Calculators compute specific financial numbers — SIP returns, EMI amounts, tax liability, etc. Tools go beyond calculations to offer interactive experiences: quizzes that score you, simulators that explore scenarios, planners that organize your budget, dashboards that centralize everything, and gamified challenges that build habits.

Ready to Take Control of Your Finances?

Start with a quiz, plan your budget, or explore all our tools — 100% free, no sign-up required.