We built these free financial calculators for Indian and global users — with your privacy as a core design principle, not an afterthought.
AllFinanceTool.com is an independent, free-to-use financial education platform offering 18 professional-grade calculators — including a compound interest calculator, SIP calculator, loan EMI calculator, credit card payoff tool, income tax estimator, FIRE calculator, retirement planner, currency converter, and more. Our tools are designed for individuals, students, investors and small businesses across India, USA, UK and globally.
We are not a bank, brokerage, NBFC, or SEBI-registered investment advisor. We are an educational technology platform. All financial data you enter into our calculators is used solely to produce the mathematical result shown to you on your screen.
We want to be crystal clear. The following data is never collected, stored, transmitted or sold by AllFinanceTool:
| Data Type | Collected? | Why Not? |
|---|---|---|
| Your name or email address | Never | No account or login required to use any tool |
| Your income or salary figures | Never | Tax estimator calculations run entirely in your browser |
| Your loan amounts or EMI inputs | Never | Loan EMI and mortgage data never leaves your device |
| SIP amounts or investment goals | Never | SIP and compound interest inputs are client-side only |
| Credit card balances | Never | Credit card payoff tool is fully offline after page load |
| Net worth or asset details | Never | Net worth calculator stores nothing server-side |
| Phone number or address | Never | Not required for any feature on the site |
| Financial account details | Never | We have no integration with any bank or brokerage |
To understand how our free financial tools are being used and to improve them, we may collect the following anonymous, non-personally-identifiable technical information:
This data, if collected, is aggregated and cannot be used to identify any individual user. It is used only to improve the quality, speed, and accuracy of our free financial planning tools.
Every financial calculation on AllFinanceTool — whether it's your compound interest growth, your loan amortisation schedule, your FIRE number, or your income tax liability under India's New Regime — is executed entirely in your own web browser using JavaScript.
This is a deliberate architectural choice. Your financial inputs are processed locally on your device, producing results instantly. No data is sent to any AllFinanceTool server during calculation. The process works as follows:
AllFinanceTool uses a minimal approach to cookies and browser storage. Here is exactly what we store and why:
| Storage Item | Purpose | Expires |
|---|---|---|
aft-theme | Saves your light/dark mode preference so you don't have to re-select it on every visit | Until you clear browser storage |
| Analytics cookies (if enabled) | Anonymous usage statistics to understand which tools (SIP, compound interest, tax) are most used | Session or up to 12 months |
We do not use advertising cookies, retargeting pixels, fingerprinting scripts, or any third-party tracking technology designed to follow you across the web. We do not serve advertisements, and we do not allow third-party advertisers to place cookies on our site.
You can clear all AllFinanceTool storage at any time by clearing your browser's local storage and cookies for allfinancetool.com. This will reset your theme preference and any locally cached data.
AllFinanceTool integrates with a small number of carefully selected third-party services to power live data and site performance. Each is listed below with complete transparency:
We do not integrate with any broker, bank, insurance provider, or financial product vendor. We receive no commission, referral fee, or payment from any financial institution in exchange for recommendations made by our tools.
AllFinanceTool's financial education tools — including our compound interest calculator, budget planner, and savings goal planner — are suitable for school and college students learning about personal finance. However, our service is not directed specifically at children under the age of 13.
We do not knowingly collect any information from children under 13 years of age. Since we collect no personally identifiable information from any user, this is inherently protected. If you are a parent or guardian and believe a child under 13 has used our site, please be assured that no personal data was stored.
Depending on your country, you may have legal rights over personal data held about you. Since AllFinanceTool collects no personally identifiable information, most of these rights are satisfied by design. For completeness, we outline your rights below:
AllFinanceTool is served entirely over HTTPS (TLS encryption). All connections between your browser and our servers are encrypted in transit. This protects against interception of page requests.
Because all financial calculations — whether you are modelling your retirement corpus, computing your SIP returns at 12% CAGR, or checking your credit card payoff timeline — run locally in your browser, the risk of a server-side data breach affecting your financial information is structurally eliminated. There is no database of user financial data to breach.
We take reasonable security measures to protect the integrity and availability of the AllFinanceTool website itself, including protection against malicious injection, DDoS mitigation, and regular code review.
Some pages on AllFinanceTool may contain links to external resources — such as the RBI website, SEBI investor education portal, NSE/BSE exchange websites, IRS (USA), HMRC (UK), or relevant financial news sources. These links are provided for your reference and education only.
AllFinanceTool has no control over the content, privacy practices, or data collection of external websites. Clicking an external link means you are leaving AllFinanceTool and entering a site governed by that site's own privacy policy. We encourage you to review the privacy policy of any external financial website before providing personal information.
We may update this Privacy Policy from time to time to reflect changes in our tools, applicable laws (including India's DPDP Act 2023, GDPR updates, or changes to RBI/SEBI digital guidelines), or our practices. When we make a material change, we will update the "Last Updated" date at the top of this page.
We encourage you to review this Privacy Policy periodically. Your continued use of any AllFinanceTool calculator — whether the compound interest tool, SIP planner, or mortgage calculator — after any changes constitutes your acceptance of the updated policy.
We will never reduce your privacy protections without prominent notice on the homepage of AllFinanceTool.com.
Not Financial Advice. All tools on AllFinanceTool — including the SIP calculator, compound interest calculator, loan EMI calculator, credit card payoff tool, FIRE calculator, retirement planner, income tax estimator, options profit calculator, gold & silver valuation tool, currency converter, inflation calculator, ROI calculator, net worth calculator, budget planner, savings goal planner, cost of living comparison tool, and mortgage calculator — produce mathematical estimates based solely on the inputs you provide. They are designed for financial education and self-learning, not as a substitute for professional financial guidance.
No SEBI Registration. AllFinanceTool.com is not a SEBI-registered investment advisor, portfolio manager, or stockbroker. Nothing on this website constitutes a solicitation, recommendation, or endorsement of any financial product, fund, stock, bond, insurance policy, or investment strategy.
Tax & Legal Caution. India income tax calculations (New Regime vs Old Regime), USA Federal tax estimates, UK HMRC brackets, and other tax outputs are based on publicly available tax slab information and are approximate. Tax laws change frequently. Always consult a qualified Chartered Accountant (CA), Cost Accountant (CMA), or tax professional for your actual tax filing.
Investment Risk. Past performance figures used in examples (such as historical Nifty 50 SIP returns of ~12% CAGR) do not guarantee future performance. All investments in mutual funds, equities, real estate, gold, and other assets are subject to market risk. Read all scheme-related documents carefully before investing.
Exchange Rates. Live currency rates are sourced from the European Central Bank via the Frankfurter API and are indicative only. Actual rates available at banks, money changers, or remittance services may differ significantly. RBI reference rates are the authoritative source for Indian regulatory purposes.
If you have any questions, concerns, or requests regarding this Privacy Policy — or about any of our free financial tools — you may contact us through the following channels:
We are committed to resolving any privacy concerns promptly and transparently. Users from India, EU, UK, USA, and all other jurisdictions are welcome to contact us.