Everything you need to
calculate your SIP
ToolSetu brings calculators, PDF & image tools, business documents, AI tools and government schemes together in one place — lightning fast, beautifully simple, and 100% private.
Everything in one calm, capable place
Each tool is crafted to save you time and works perfectly on any device.
Finance Toolkit
SIP, Lumpsum, SWP, EMI, CAGR, retirement, goal & inflation — live results, charts and PDF export.
PDF Tools
Merge, split, compress, convert and edit PDFs — 100% private, right in your browser. No upload.
File Converters
Excel, Word & PowerPoint to PDF, PDF to Word/Excel, CSV, JSON & Markdown — most run in your browser.
Image Tools
Compress, resize and convert images (JPG/PNG/WebP) and make a UPI QR code — all in your browser.
Document Generator
Offer letters, NOCs, rent agreements, affidavits and certificates. Fill a form, download a clean PDF.
AI Prompt Library
Copy-ready prompts for ChatGPT, Gemini, Claude & Midjourney. Search, bookmark, copy in a click.
Scheme Finder
Answer five questions and discover government schemes you’re eligible for, with benefits & links.
Real-time results, no sign-up
Guides, tips & how-tos
Gratuity and HRA: How They Are Calculated (With Examples)
How gratuity and HRA exemption are calculated, with the formulas and worked examples, so you know what your salary components are really worth.
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NPS Explained: Tax Benefits, Returns and How It Works
How the National Pension System works: Tier I vs Tier II, market-linked returns, the extra deduction under 80CCD(1B), and what happens at retirement.
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Old vs New Tax Regime FY 2025-26: Which One Saves You More?
Compare the old and new income tax regimes for FY 2025-26 with full slab tables, the key trade-offs, and how to find which one saves you more.
Read morePrivate by design
Every calculation and PDF runs in your browser. Your numbers and documents never touch our servers.
Built for India
Rupee formatting in lakh & crore, Indian schemes, and templates that match local norms.
Free, no sign-up
All tools are completely free with no account required. Just open and use.
Frequently asked questions
What is ToolSetu?
ToolSetu is a free online toolkit for India with 80+ tools in one place — finance calculators (income tax, EMI, SIP), PDF tools, Office and file converters (Excel, Word, PDF), document generators, AI writing tools, and IFSC, pincode and RTO lookups. Most tools run entirely in your browser.
Is ToolSetu free to use?
Yes. Every tool on ToolSetu is completely free, with no sign-up and no account required. Just open a tool and start using it.
Is ToolSetu safe and private?
Yes. Most ToolSetu tools — calculators, PDF and image tools, and file converters — process your files and numbers entirely in your browser, so nothing is uploaded to any server. The few tools that need a server clearly say so before you use them.
Who is ToolSetu for?
Anyone in India who needs quick, reliable everyday tools — salaried professionals, students, freelancers, small businesses and accountants — for taxes, loans, investments, documents, file conversion and government schemes.