# airpay money > A personal finance management and planning app helping Indians manage investments, insurance, credit, tax planning, budgeting, and net worth all in one place. airpay money consolidates mutual funds, NPS, digital gold, fixed deposits, US stocks, and Indian stocks into a single investment dashboard. It also offers insurance comparison and purchase (two-wheeler, four-wheeler, health, term), credit card and loan discovery, tax planning tools, budget tracking, and net worth calculation. The platform serves beginners to experienced investors and includes a financial health checkup, goal-based planning tools, and a library of financial calculators. ## Investments - [Investment Overview](https://www.airpay.money/investment): All investment options and strategies available on the platform. - [Mutual Funds](https://www.airpay.money/mutual-fund): Invest in diversified mutual fund portfolios. - [NPS](https://www.airpay.money/nps): National Pension System for retirement corpus building. - [Digital Gold](https://www.airpay.money/digital-gold): Buy and hold digital gold as a liquid asset. - [Fixed Deposits](https://www.airpay.money/fixed-deposits): Fixed deposit options across partner banks and NBFCs. - [US Stocks](https://www.airpay.money/us-stocks): Fractional investing in US-listed equities for global diversification. - [Indian Stocks](https://www.airpay.money/indian-stocks): Direct equity investing in BSE/NSE-listed companies. ## Insurance - [Two-Wheeler Insurance](https://www.airpay.money/partners/two-wheeler): Compare and buy two-wheeler insurance policies. - [Four-Wheeler Insurance](https://www.airpay.money/partners/four-wheeler): Compare and buy four-wheeler insurance policies. - [Health Insurance](https://www.airpay.money/partners/health-insurance): Individual and family health insurance plans. - [Term Insurance](https://www.airpay.money/partners/term-insurance): Pure life cover term insurance policies. ## Credit & Loans - [Credit Cards](https://www.airpay.money/credit-card): Discover and apply for credit cards matched to spending profile. - [Loans](https://www.airpay.money/loans): Personal, home, and business loan options from partner lenders. ## Planning & Tracking Tools - [Tax Planning](https://www.airpay.money/tax-planning): Strategies to optimise and reduce income tax liability. - [Budget](https://www.airpay.money/budget): Build and track a personalised monthly budget. - [Net Worth](https://www.airpay.money/net-worth): Aggregate and track total net worth across all assets and liabilities. - [Financial Health Checkup](https://www.airpay.money/financial-health-checkup): Holistic assessment of financial health with personalised recommendations. - [Utilities](https://www.airpay.money/utilities): Bill payments and utility management. ## Financial Calculators - [SIP Calculator](https://www.airpay.money/calculator/sip-calculator): Estimate maturity value of a Systematic Investment Plan. - [Crorepati Calculator](https://www.airpay.money/calculator/crorepati-calculator): Calculate time and monthly investment needed to reach ?1 crore. - [Retirement Calculator](https://www.airpay.money/calculator/retirement): Estimate retirement corpus requirement based on current age and expenses. - [NPS Calculator](https://www.airpay.money/calculator/nps-calculator): Project NPS corpus and pension income at retirement. - [EPF Calculator](https://www.airpay.money/calculator/epf): Estimate EPF balance and returns over employment tenure. - [PPF Calculator](https://www.airpay.money/calculator/ppf): Calculate PPF maturity amount and interest over 15-year lock-in. - [FD Calculator](https://www.airpay.money/calculator/fd-calculator): Compute fixed deposit maturity value at different tenures and rates. - [EMI Calculator](https://www.airpay.money/calculator/emi-calculator): Calculate equated monthly instalment for any loan amount and tenure. - [Goal Calculator](https://www.airpay.money/calculator/goal-calculator): Calculate monthly savings needed to reach a specific financial goal. - [Tax Calculator](https://www.airpay.money/calculator/tax-calculator): Compute income tax liability under old and new tax regimes. - [Budget Calculator](https://www.airpay.money/calculator/budget-calculator): Build a budget based on income, fixed costs, and savings targets. - [Inflation Calculator](https://www.airpay.money/calculator/inflation-calculator): Project future cost of today's expenses at a given inflation rate. - [Insurance Calculator](https://www.airpay.money/calculator/insurance-calculator): Estimate appropriate life and health insurance cover amount. - [Rent vs Buy Calculator](https://www.airpay.money/calculator/rent-vs-buy-calculator): Compare total cost of renting versus buying a property over time. - [International Taxation Calculator](https://www.airpay.money/calculator/taxationinternational): Calculate tax liability on international income and foreign investments. ## Blog - [Full Financial Ecosystem Within One App](https://www.airpay.money/blogs/full-financial-ecosystem-within-one-app): How a single app can consolidate your entire financial life. - [What is Credit History and How to Become Creditworthy](https://www.airpay.money/blogs/what-is-credit-history-and-how-to-become-creditworthy): Understanding credit scores and actionable steps to improve creditworthiness. - [The Ultimate Guide to Index Investing](https://www.airpay.money/blogs/the-ultimate-guide-to-index-investing): Benefits, strategy, and mechanics of index fund investing. - [A Comprehensive Guide to Effective Debt Management](https://www.airpay.money/blogs/a-comprehensive-guide-to-effective-debt-management): Practical strategies for managing, consolidating, and eliminating debt. - [All blog articles](https://www.airpay.money/blog-listing) ## Company - [About airpay money](https://www.airpay.money/about): Mission, vision, and team behind the platform. - [Contact](https://www.airpay.money/contact-us): Customer support and grievance redressal contact. - [Privacy Policy](https://www.airpay.money/privacy-policy) - [Terms and Conditions](https://www.airpay.money/terms-and-conditions)