Banks say one number.
You take home another.
We calculate cap-adjusted effective rates for credit cards, loans, insurance, FDs, and taxes. The number after all the fine print. Free forever.
Examples use the stated spend and redemption assumptions; actual rewards depend on eligible transactions and issuer terms. Sources: SBI Card, HDFC Bank, ICICI Bank (checked 28 Sep 2026).
Credit Cards
Cap-adjusted reward math
Loans
Hidden fee + real APR math
Insurance
Co-pay, sub-limit, claim truth
Savings & FDs
Post-tax, post-inflation reality
Tax Planning
Beyond the obvious 80C list
Mutual Funds
CAGR vs actual investor return
Tell us your cards
Add the credit cards already in your wallet. Takes 30 seconds.
We show the honest number
Cap-adjusted effective rates — what you actually take home after fine print.
Swipe smarter
Know which card to use for every purchase. Fill gaps with the right card.
Every financial product in India has two numbers — the one in the advertisement and the one in your bank account. We publish the second one.
No account required. No login walls. No sponsored rankings. Our worked examples show the spending, redemption and cap assumptions behind the result. Card reviews link to issuer sources; products with incomplete reward models stay outside automated rankings.
Stop guessing.
Start with the honest number.
Free. No login. No account required. Just math.