About GearsKit — Free Financial Calculators Built for India
Free Financial Calculators Built for India Learn with confidence
We build free, private calculators that give you the same financial clarity your bank has — without selling your data.
Why GearsKit Exists
Most bank calculators in India hide their assumptions — processing fees buried in footnotes, compounding methods never mentioned, numbers that don't match what's in your loan agreement when you finally sit down to sign. You get a figure, not an explanation.
GearsKit fixes that. Every tool shows the formula it uses, applies the reducing-balance interest method mandated by RBI, and runs entirely in your browser — so nothing you type ever leaves your device.
What We Build
Six calculators. All free. All transparent about how they work.
Home Loan EMI
Monthly instalment, total interest payable, and full amortization schedule using reducing-balance formula.
SIP Calculator
Step-up SIP projections, retirement goal planning, and wealth accumulation with compounding returns.
Income Tax Calculator
New vs old tax regime comparison with all deductions — 80C, HRA, standard deduction for FY 2026-27.
Salary Take-Home
CTC to in-hand salary breakdown with PF, professional tax, TDS, and HRA deductions.
Personal Loan
Salary eligibility check, total cost of borrowing, and repayment schedule for personal loans.
Custom Loan
Any loan amount, any interest rate, any tenure — full EMI and amortization for any scenario.
How We Build
Four principles we refuse to compromise on
Open Methodology
Every calculator shows the formula it uses. You should be able to verify the answer with a pen, paper, and the same formula — and get the same number.
Privacy by Design
No server processing. Your loan amount, salary, or investment details never leave your browser. There is nothing to breach because nothing is stored.
India-Focused
Built around RBI guidelines, Indian tax slabs, INR formatting, and financial products that actually exist in India — not generic western finance tools.
Always Free
No account required. No paywall. No usage limit. No premium tier that unlocks the "real" calculator. Every tool, every time, for free.
Frequently Asked Questions
What is GearsKit?
Are GearsKit tools really free?
How does GearsKit protect my data?
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Who is GearsKit for?
Built by Someone Who Cared About the Numbers
GearsKit is an independent project started in Jaipur in 2025. We built it because we were tired of loan calculators that give you a number without showing their work — and websites that want your phone number before they'll let you calculate anything.
GearsKit Team
Financial Tools Developer & Personal Finance Enthusiast · Jaipur, India
We are an independent team building tools we personally wish existed — calculators that show their work, respect your privacy, and give you answers you can trust. No VC funding. No dark patterns. Just honest financial math, built for India.
Start Calculating — Free, Private, No Login
Pick any tool below and get your answer in seconds. No account, no ads interrupting your calculation, no data stored.
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