Every fintech in India
builds for growing money.
This one is for spending it.
From your corpus, salary, and slab — KitnaKaafi answers the question no accumulation app can: what lands in your hand each month, after tax? Real numbers, honest math, nothing you type ever leaves your browser.
Nothing you type here leaves your browser. Learn why →You'll type your numbers.
We'll never see them.
The calculators have no accounts, no logins and no database. Every rupee you enter — corpus, salary, EMI, score — stays inside your browser tab. When you close it, it's gone. We can't recover it. We can't share it. We can't lose it, because we never had it.
The contact form and the newsletter are the two places that do transmit, because they have to — and neither is ever pre-filled from a calculator. The notice says exactly where the line is.
from ₹1.00 Cr · Balanced mix · 30% (incl. cess)
The tax bite
an FD promises · pre-tax · on ₹1.00 Cr
lands after your 30% (incl. cess)
Corpus over time
The calendar · year 1
- No account. No email needed. No sign-in flow anywhere on this site.
- No data leaves your browser. Every number you enter (corpus, salary, EMI, score) lives in your tab's sessionStorage. Never in the URL, never in a server log, never in a database.
- No tracking. No third-party cookies, no ad pixels, no fingerprinting. Aggregated page views only.
Fixed sleeves are modelled as perpetual; FRSB matures at 7 years and legacy tax-free bonds between 2033–35, so both assume reinvestment at the same rate. The equity sleeve tracks cost basis monthly, so tax reflects only the gain inside redeemed units. Returns are smoothed averages — a real equity path has down years, and drawing through one is the risk this model does not show. Illustrative, not investment advice.