Free Financial Tools
Calculators and planners built for Indian millennials and Gen-Z. Calculate rent splits, plan trip budgets, compare EMIs, and more — all free, no signup needed.
Rent Split Calculator
Split rent fairly among roommates — equal or by room size.
Trip Budget Planner
Estimate costs for Goa, Manali, Ladakh, and 10+ Indian destinations.
Monthly Expense Splitter
Track flatmate expenses — rent, utilities, cook, maid, and more.
Bill Split Calculator
Split restaurant bills with tip, tax, and multiple split modes.
Subscription Splitter
See per-person cost for Netflix, Spotify, Hotstar, and more.
Party Expense Planner
Budget for house parties, birthdays, Diwali, and New Year celebrations.
EMI vs Rent Calculator
Compare buying vs renting a home over 5, 10, 15, and 20 years.
Grocery Budget Calculator
Estimate monthly grocery costs by city, diet type, and household size.
Wedding Expense Estimator
Plan your wedding budget — from simple to grand, across Indian cities.
Salary Expense Breakdown
Break down your salary using the 50/30/20 rule with city-adjusted figures.
Done calculating? Start tracking for real.
Niptao is a free bill splitting app with UPI settlement — track shared expenses and settle instantly with friends, flatmates, and trip buddies.
Try Niptao for free →