ThisOrThat
ThisOrThat
beyond the noise
Full planner, allocator + 14 calculators · live

Calculators that stay on your side.

A lot of online calculators tell you what you want to hear. Ours give you the real number, then walk you through what to do with it. No signup, no email, no upsell. Just honest maths, on your side.

Featured · the new one

Your full financial plan.

Every goal you're saving for, retirement, the home, kid's college, emergency fund, brought into one honest picture. We'll show you whether it fits your life right now, and if it doesn't yet, how to get there.

Build your plan →
Local-only · no login · saves in browser
Reference · learn

Understanding your mutual funds.

All 42 SEBI categories, grouped by family. Open any one to see the rule it follows, the benchmark it is measured against in plain language, and how far it has fallen.

Open the guide →
Reference · learn

Ways to invest in equity.

All 26 routes in India, from buying a share on the exchange to an IPO, unlisted shares, ESOPs, mutual funds, PMS, AIF and going global. Grouped by what you actually end up holding, with the minimum and the catch on each.

See every route →
Interactive · decide

Now, find your mix.

You know the asset classes. Six honest questions turn them into a starting split across equity, debt, gold and cash, built for your horizon and how you behave when markets fall.

Build my allocation →
Or, go deep on one

Single-purpose calculators

Live

Real Retirement

Inflation-adjusted, lifestyle-honest. See the corpus you actually need, not the marketing version.

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SIP
Live

Honest SIP

Shows your corpus, and the one you'd have had by starting 5 or 10 years sooner. The gap stings, but the best time to start is now.

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3B
Live

Three Buckets Planner

Split the corpus by when you will spend it, then see year by year whether the money lasts, and what closes the gap if it does not.

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SWP
Live

Systematic Withdrawal

How much can you pull out of the tank each month, without emptying it? Finds your sustainable withdrawal rate.

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G
Live

Goal Planner

Start with the dream, work back. The SIP you'll need, plus an honest look at whether it fits your life right now, and how to get there if it doesn't yet.

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R/B
Live

Rent vs Buy

The honest version. Stamp duty, society fees, opportunity cost on the down payment, and the gap between EMI and rent.

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72
Live

Rule of 72

The one piece of money math you should know cold. Pick a rate, see how fast your money doubles, and what each rate really means.

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LI
Live

Lifestyle Inflation Tracker

Compare your savings rate now vs five years ago. The gap is usually where the wealth went.

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EMI
Live

Home Loan Prepayment

See when your loan clears if you prepay, and how many years and lakhs of interest it deletes.

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New

The SIP Reality Check

Not the one rosy number. The real range from 30 years of Sensex data: how often a SIP that length lost money, and the worst, typical and best you'd have lived through.

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10Cr
New

The Crore Ladder

Pick a target from ₹1 to ₹10 crore and see its monthly price in every vehicle, from a bank FD to a small-cap fund, across 5 to 30 years.

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🏠
New

Dream Home Plan

The 3/20/30/40 rule, applied to your income and reality-checked. How much home you can actually afford, and where the dream turns into a trap.

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1Cr
New

Become a Crorepati

The road to your first crore, investing vs just saving, plus what that crore will actually buy when you arrive.

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MF
Live

Equity MF Portfolio

Turn your SIP or lumpsum into a ready fund-category split, built for your horizon and your nerve.

Try it now →
Slow Thought, weekly

One uncomfortable idea every week.

A short essay on money and behaviour. Written, not generated. Plus first dibs on new calculators.

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