About India Calc
An independent publisher of financial calculators and guides for India.
Last updated: 5 September 2026Who runs this site
India Calc is an independent publishing project, not a bank, broker, lending marketplace, insurance agent or chartered accountancy firm. It is run by a small editorial team with a background in software and personal finance writing, and it is funded by display advertising alone. Nobody pays us to feature a product, and we do not sell leads, run a referral desk or maintain commercial relationships with any financial institution mentioned on the site.
The single point of contact for everything — corrections, questions, feedback, advertising and legal notices — is [email protected]. There is no phone queue and no contact form; email reaches a person who can actually change the page.
What we are trying to do
Most Indians hit the same handful of money questions every year. What will my take-home salary be after tax? Which regime should I pick? Can I afford this EMI? Is my SIP on track? Was I charged the right GST? Those questions have precise, arithmetic answers, yet the web is full of calculators that hide the result behind a sign-up form, quote last year's slabs, or produce a single number with no explanation of how it was reached.
Our aim is narrower and more boring than "financial empowerment". We want each page to do one calculation correctly, show the working, state its assumptions, and date itself. If a page cannot do that honestly, we would rather not publish it. That is also why our calculators refuse to guess: we do not model surcharge above ₹50,00,000 of income, and we say so rather than quietly producing a wrong figure.
How our calculators are built and tested
Every tool starts from a published formula or a statutory rule, never from a competitor's output. The EMI calculator uses the standard reducing-balance instalment formula. The SIP calculator uses the future value of an annuity due, compounded monthly. The income tax calculators implement the slab structure, standard deduction, section 87A rebate, marginal relief and 4% cess exactly as written in the Finance Act.
Before a calculator goes live it is checked three ways. First, we hand-work at least two examples on paper and confirm the page reproduces them to the rupee. Second, we test the boundaries — income exactly at ₹12,00,000 and a rupee above it, a zero interest rate, a one-year tenure, a ₹1 principal — because that is where rounding and rebate logic break. Third, we compare the output against an independent reference such as the Income Tax Department's own calculator or a published amortisation schedule. A mismatch we cannot explain blocks publication.
Rounding is applied only at the display step, not during the calculation, so intermediate precision is preserved. Where a genuine ambiguity exists — for example, whether a bank compounds an FD quarterly or monthly — we state the assumption on the page instead of picking silently.
Which sources we use
- Income tax — the Income Tax Department portal, the Finance Act as passed by Parliament, and CBDT circulars and notifications. We deliberately wait for the Finance Act rather than relying on Budget-day speeches, because the two sometimes differ.
- GST — CBIC rate notifications and GST Council press releases, cross-checked against the GST portal.
- Interest rates and monetary policy — the Reserve Bank of India. We quote the repo rate and policy direction, but never present a specific bank's deposit or lending rate as a fact, because those change constantly. Where a rate matters we give a range and tell you to check with your own bank.
- Context and reporting — established financial media such as The Economic Times and LiveMint, and specialist tax publishers, used to understand a change and find the underlying document. We do not treat secondary reporting as the final word on a number.
How often we review
Tax pages are reviewed within a week of the Union Budget and again when the Finance Act receives assent. GST pages are reviewed after any GST Council meeting that changes rates. Every other page gets a full re-read at least once a quarter, whether or not anything has changed. The "last updated" stamp on a page reflects a real human review, not an automated timestamp bump.
Changelog
| Date | Change |
|---|---|
| June 2026 | Site launched with eight calculators: income tax, old vs new regime, EMI, SIP, GST, fixed deposit, compound interest and age. |
| September 2026 | GST 2.0 rates added — the 0%, 5%, 18% and 40% structure effective 22 September 2025 replaced the earlier 5/12/18/28 slabs across the GST calculator and guides. |
| September 2026 | Marginal relief added to the income tax calculators, so tax just above ₹12,00,000 of taxable income is capped at the amount by which income exceeds that threshold. |
| September 2026 | Guides section launched with six long-form articles on tax regimes, GST 2.0, home loan prepayment, SIP versus deposits, the Income Tax Act 2025 and ITR filing. |
Editorial policy
No affiliate bias. The site carries display advertising served by Google. We have no affiliate links, no sponsored posts and no paid placements. An advertiser cannot influence what a guide says, and no advertiser sees a page before it is published. If we ever accept a sponsored item, it will be labelled as such at the top of the page.
No personalised advice. We publish general information. We do not know your age, dependants, existing loans, risk appetite or tax residency, and we will not pretend otherwise. Where a guide expresses an opinion — such as that most salaried people below ₹15,00,000 do better in the new regime — it is a general observation with its reasoning shown, not a recommendation for your situation. For that, speak to a SEBI-registered investment adviser or a chartered accountant.
Corrections are visible. When we get something wrong we fix the page and update its review date rather than deleting it quietly. Material corrections to a guide are noted in the text.
Written by people. Guides are researched and written by our editorial team against primary sources. We do not republish syndicated content or scrape other calculators.
How to report an error
If a number looks wrong, we want to hear about it, and a good report gets fixed much faster. Email [email protected] with:
- The page you were on, ideally the full URL.
- The exact inputs you entered, so we can reproduce the result.
- The figure the page showed, and the figure you expected.
- Your source for the expected figure, if you have one.
We acknowledge reports within two working days. A confirmed calculation error is corrected as a priority, usually the same day. A disputed interpretation gets a reply explaining our reading and the source behind it.
Please also read our disclaimer, which sets out what our calculators assume and do not model, and our privacy policy, which explains what happens to the data you enter. General queries and suggestions for new tools are welcome via the contact page.