About Cents and Stories

Cents and Stories is a free personal finance calculator tool built for Indian investors who want instant, reliable estimates without signing up or paying anything.

What we offer

Five calculators — SIP, Compound Interest, Personal Loan EMI, Auto Loan EMI, and Home Loan EMI — plus plain-English explainers on the financial concepts behind each one.

Our approach

• No login. No data stored. Your inputs stay on your device.
• Transparent formulas — every calculator shows the formula it uses.
• Minimal design — tools load fast on mobile, even on 4G.

Who is this for?

First-time investors, loan applicants, students learning personal finance, and anyone who wants a quick sanity-check before making a financial decision.