Sagar Raina
Founder & Author, Finance Tools Pro
Indian personal finance enthusiast who built Finance Tools Pro after getting frustrated with calculators that were inaccurate, ad-heavy, or required a sign-up just to crunch numbers. Every tool on this site runs entirely in your browser — no data ever leaves your device.
About Sagar
Sagar launched Finance Tools Pro in 2024 with three calculators. It has since grown to 12 financial tools, 125+ real-world scenario pages, 40+ financial guides, and a weekly India finance news section.
Every formula on this site is derived from primary sources — the Income Tax Act, RBI guidelines, and the Payment of Gratuity Act. The calculators are reviewed and updated within 7 days of any government notification that changes rates, slabs, or limits.
Areas of Expertise
Old vs new regime comparisons, Section 80C/80D, HRA exemptions, capital gains tax
CTC-to-in-hand breakdowns, PF, professional tax, salary structuring for tax savings
Home loan, car loan, personal loan EMI calculations, prepayment strategies
SIP, FD, PPF, NPS, mutual fund returns, compounding calculations
Weekly analysis of RBI circulars, interest rate changes, forex policy, and their impact on retail savers
Mutual fund regulations, SEBI reforms, market news explained for everyday investors
Editorial Standards
All content on Finance Tools Pro is:
- Source-backed: Every claim links to RBI circulars, CBDT notifications, Finance Acts, or official gazettes
- Calculation-verified: Formulas are cross-checked against official methodology documents before publishing
- Regularly updated: Calculator logic and news analysis are reviewed whenever government policy changes
- Independent: No sponsored content, no affiliate links, no paid rankings
- India-specific: Written for Indian tax laws, Indian salary structures, and Indian investors — not adapted from generic international content
Recent Articles
- Why RBI's Forex Clampdown Jolted Bank Stocks — And What It Really Means for Indian Investors March 30, 2026
- India Budget Update: Rs 28.1 Lakh Crore Supplementary Grants Explained March 13, 2026
- India's Economic Boom Faces Uneven Growth — What It Means for Investors and Policy March 8, 2026
- SEBI's Push to Reduce Mutual Fund Portfolio Overlaps — What Indian Investors Should Know March 2, 2026
- India GDP Growth Beats Expectations — What 7.8% Q3 Expansion Means for Economy and Markets February 27, 2026
- Browse all financial guides and news →
Questions or Corrections?
If you spot a calculation error or have a suggestion for a new tool, reach out directly.
Contact Sagar