About Faydemand

India's most comprehensive free financial calculator platform — built for every Indian who deserves better money tools.

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Why We Exist Who Uses Faydemand What Makes Us Different What We Cover Founder Our Mission What We Stand For

Why Faydemand Exists

Every year, crores of Indians make some of the biggest financial decisions of their lives — taking a home loan, starting a SIP, choosing between old and new tax regime, planning for a child's education, or figuring out how much they need to retire comfortably. Most of them do it without a single reliable, unbiased tool in hand.

The tools that do exist come with strings attached. Most require you to sign up, hand over your phone number, and endure sales calls. Others are built by banks, brokers, or insurance companies who have every reason to nudge you toward their own products. The ones that appear neutral are often outdated, hard to use, or buried under layers of ads and pop-ups.

And financial advisors? Genuine, fee-only advisors are expensive and hard to find. The "free" ones are typically product sellers in disguise, earning commissions every time you follow their advice.

So most people end up doing what they've always done — asking a friend, guessing, or just going with whatever the bank representative recommends. That's not good enough for decisions that can shape decades of your life.

Faydemand was built to fix this. One platform. Every major financial calculator. 100% free. No login. No sales calls. No data collection. No agenda. Just honest tools that give you honest numbers — so you can understand your own finances and make your own decisions.

The name says it all: faydemand means beneficial in Hindi. Har calculator faydemand.

Who Uses Faydemand

Faydemand is built for every Indian at every stage of their financial journey. Here is who actually uses it:

person First-Time Home Buyers

Comparing home loan EMIs across banks, calculating stamp duty and registration costs, checking PMAY eligibility — before signing anything.

trending_up Young Professionals (22–35)

Starting their first SIP, calculating in-hand salary from CTC, understanding the old vs new tax regime for the very first time.

work Salaried Employees

Planning 80C investments before March, calculating exact HRA exemption, estimating take-home after an appraisal hike.

calculate Self-Employed & Freelancers

Calculating GST liability, estimating advance tax, comparing business loan costs — without a CA on speed dial.

family_restroom Parents Planning Ahead

Calculating how much to save for a child's college education at 8% inflation, planning marriage corpus, running goal timelines.

local_fire_department FIRE Seekers

Running FIRE, Coast FIRE, Lean FIRE, and Fat FIRE scenarios. Finding the FI number and how many more years of work it means.

savings Pre-Retirees (50+)

Comparing FD rates across all 49 banks, calculating SCSS and MIS returns, figuring out how long their retirement corpus will last.

public NRIs & Global Indians

Comparing remittance rates, calculating NRI tax liability, planning FD and SIP investments back home from abroad.

school Finance Students & Learners

Understanding how EMI is calculated, learning what CAGR really means, simulating investment scenarios for assignments or curiosity.

credit_score Credit-Conscious Borrowers

Estimating CIBIL impact, understanding what's pulling the score down, planning which loan to apply for and when.

What Makes Faydemand Different

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Free Forever. No Spam. Every calculator on Faydemand is 100% free. No account needed, no phone number, no email address. Open any page, enter your numbers, get your answer in seconds. We will never put calculators behind a paywall or a login wall.

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112+ Calculators, One Platform Tools across every category — home loans, SIP, tax, insurance, FIRE, real estate, employment, goal planning, returns, credit, NRI, and government schemes. You don't need to visit six different websites to answer one financial question.

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Accurate, Formula-Based Calculations Every calculator uses the official formula — not rough approximations. Tax slabs, government scheme rules (PPF, SSY, SCSS, NPS, PMAY), and EMI formulas are verified and updated every time the government revises them — not months later.

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Context, Not Just Numbers Every tool includes plain-language explanations, worked examples with real ₹ figures, tips, and common mistakes — because knowing your EMI is ₹42,000 is only useful if you understand what that means for your life.

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Mobile-First, Instant Results Designed from the ground up for Indian mobile users. All calculations run instantly in your browser — no server trips, no loading spinners, no waiting. Works on any device, any browser, even on slow 4G connections.

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49 Banks Covered with Live FD & RD Rates Fixed deposit and recurring deposit rates across all major Indian banks — public sector, private, small finance, NBFCs, and post office — updated regularly. Compare rates without visiting each bank's website or calling customer care.

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Your Data Never Leaves Your Browser All calculations are client-side JavaScript. Your salary, loan amount, tax details, and investment figures never reach any server. We have nothing to sell and nothing to leak — because we never receive your numbers in the first place.

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Plain Language for Every Indian Financial jargon is a barrier that keeps people from making informed decisions. Faydemand explains every concept in clear, simple language — so that someone opening their first investment account understands exactly what they're looking at.

What We Cover

112+ free calculators across every major area of personal finance in India:

check_circle Loan & EMI — Home Loan, Car Loan, Personal Loan, Education Loan, Business Loan, Gold Loan, Mudra Loan

check_circle Investments — SIP, FD, RD, PPF, NPS, ELSS, Lumpsum, SWP, STP, Step-Up SIP

check_circle Tax Calculators — Income Tax (Old & New Regime), GST, HRA, 80C, Capital Gains, TDS, Budget 2026

check_circle Insurance — Term Life Coverage, Health Insurance, Premium Calculator, Coverage Gap Analyser

check_circle Real Estate — Rent vs Buy, Stamp Duty, Rental Yield, Property Appreciation, Affordability

check_circle Bank Rates — FD & RD rates for 49 banks with individual calculators for each bank

check_circle Returns & Markets — CAGR, Stock Profit/Loss, Mutual Fund Returns, Brokerage Calculator

check_circle FIRE & Retirement — Traditional FIRE, Coast FIRE, Lean FIRE, Fat FIRE, Barista FIRE

check_circle Employment — Gratuity, EPF/PF, Salary Hike, 8th Pay Commission, ESOP, APY

check_circle Goal Planning — Child Education, Retirement Corpus, Marriage Fund, Home Down Payment, Travel

check_circle Credit & Debt — CIBIL Estimator, Credit Card EMI, Debt Snowball, Balance Transfer

check_circle NRI & Global — Foreign Remittance, NRI Tax, Buy vs Lease Equipment

check_circle Government Schemes — PPF, SSY, SCSS, NPS, MIS, NSC, Mahila Samman Savings Certificate

check_circle Smart Tools — Budget Planner, Net Worth Snapshot, Financial Health Score, ITR Filing Checklist, Goal Timeline

Satyajit Srichandan

Founder & Creator, Faydemand.in

Hi, I'm Satyajit. I'm not a SEBI-registered advisor, not a CA, and not a banker. I'm someone who got genuinely curious about personal finance, kept learning, and decided to build the tools I always wished existed.

I built Faydemand because I kept running into the same wall: whenever I had a real financial question — should I pay off this loan or invest? how much house can I actually afford? how much do I need to retire comfortably? — I'd find tools that were either inaccurate, outdated, stuck behind a login, or designed to sell me something.

So I built my own. Started with a handful of calculators. Then added more. Then more. 112+ tools later, the platform keeps growing — and every single one is still free, still has no login, and still has no hidden agenda.

If even one person makes a better money decision because of Faydemand, that's enough for me.

Self-Taught Builder Not SEBI Registered Always Learning Building for India

Our Mission

Financial decisions are among the most consequential you'll ever make. Whether you're taking your first loan, starting your first investment, planning for your child's future, or figuring out how to retire without depending on anyone — these decisions compound. Get them right and life gets measurably easier. Get them wrong and you can spend years trying to recover.

Most Indians make these decisions without the tools to think them through clearly. The information gap between those who have good financial tools and those who don't is real — and it shows up in portfolios, loan costs, and retirement readiness. That's the gap Faydemand is here to close.

Our mission: Give every Indian — from a college student opening their first investment account to a 55-year-old planning retirement — free, accurate, and completely honest financial tools. No agenda. No product recommendations. No conflict of interest. Just numbers you can trust and context you can act on.

We believe financial literacy is not a luxury for the privileged few. It's a right for every Indian. And the tools that enable it should be free for everyone, always.

What We Stand For

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Free, always Every calculator will always be free to use. No premium tier, no paywall, no "pro" version. The moment we charge for access, we've failed the mission.

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Accurate & up-to-date Every formula is checked against official government sources. Every budget change, rate revision, and scheme update gets reflected quickly — not after months of delay.

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No conflict of interest We don't earn commissions. We don't recommend specific products, brokers, or banks. We show you how to think through a decision — the choice is always yours.

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Privacy by design All calculations run in your browser. We never see your numbers, never store them, and never sell them. Your financial data belongs to you alone.

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Education first Every tool is built to help you understand your finances — not just give you a number. If you leave a page more informed than when you arrived, we've done our job.

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Built for India, not copy-pasted Every tool is designed for Indian tax laws, Indian banking rules, Indian salary structures, and Indian financial goals — not adapted from a Western template.

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Educational Tool — Not Financial Advice

All calculators on Faydemand are for educational and estimation purposes only. Numbers shown are based on your inputs and standard financial formulas — they are not personalised financial advice. Tax laws, interest rates, and government scheme rules change regularly. Please consult a qualified financial advisor, CA, or tax professional before making major financial decisions.

Start Exploring — It's All Free

112+ calculators. 49 banks covered. Zero logins required.
Pick a tool and start making better money decisions today.