Smart Money Tools
Calcora's signature tools for real financial decisions — rent vs buy, FIRE, debt strategy and more.
Rent vs Buy Home Calculator
Compare the long-term cost of renting vs buying a home, including opportunity cost.
Prepay Loan vs Invest Comparator
See whether extra cash is better used to prepay your loan or invest it instead.
FIRE / Financial Freedom Calculator
Calculate the corpus you need to retire early using the safe withdrawal rate method.
Debt Payoff Strategy Comparator
Compare the Snowball and Avalanche methods to pay off multiple debts fastest.
Inflation-Adjusted Salary Growth Calculator
Find out if your raise actually grew your real purchasing power after inflation.
Multi-Loan/SIP Comparison Tool
Add multiple loans or SIPs and compare them side-by-side in one table and chart.
Minimum-Payment Trap Calculator
See how long it really takes to clear a credit card balance paying only the minimum.
Salary Negotiation Lifetime-Value Calculator
See the compounded career-long value of negotiating a higher salary today.