Calculators
Financial calculators that answer a decision, not just a number
Most calculators hand you a figure and leave you to work out what it means. These compare the options you are actually choosing between, on equal terms — same money out each month, same horizon — and tell you which one leaves you better off.
Every calculation runs in your browser. Nothing you type is sent anywhere, stored, or logged, because there is no server on the other end to send it to.
Loans and debt
Every one of these reduces to the same question: does this money do more inside the loan or outside it?
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Home loan prepayment
What an extra ₹5,000 a month, or a one-off lump sum, actually saves — and how much sooner the loan closes.
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Loan tenure: shorter or longer?
A shorter tenure against a longer one with the EMI difference invested, on identical monthly outgo.
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Balance transfer
Whether a lower rate elsewhere survives the switching costs — and the tenure trap that makes bad offers look good.
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Credit card minimum payment
How long a balance takes to clear at the minimum due, and what any fixed payment does instead.
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Property
The largest financial decision most people make, and the one most calculators model badly.
Investing
What you can expect, what it costs to get there, and what you actually earned.
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Step-up SIP
Raising your SIP each year as your income grows, against leaving it flat for twenty years.
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Goal SIP
The monthly amount a target needs — with inflation applied to the goal, which most goal calculators skip.
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XIRR
The real annualised return on irregular, dated cashflows. The only honest number for a SIP.
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FD and RD maturity
Maturity value, then the number banks leave out: what it is worth after tax and inflation.
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Longer reads
Calculators with the full argument written around them.
Why these run offline
A calculator that phones home is a calculator that knows your salary, your loan balance and what you are worried about. There is no good reason for that. The maths here is arithmetic — it needs no server, no account, and no analytics, so it has none of them.
That is the same principle the Klera app is built on. The app carries an EMI calculator, a SIP projector, side-by-side loan comparison and a tenure planner, plus a full loan manager with real amortisation schedules and investment tracking with XIRR — all working with the network off, on a database encrypted on your phone.