About HisaabCalc & Our Methodology

HisaabCalc helps people in India make better money decisions with fast, accurate calculators that show their working. We cover investing, loans, tax, government savings schemes and retirement.

Methodology

Standard formulas. We use the methods Indian banks, AMCs and government schemes use: reducing-balance EMI, quarterly compounding for FDs and RDs, yearly compounding for PPF and SSY, and monthly interest accrual for EPF.
Official sources. Tax slabs, rebates, surcharge and deduction limits come from the Income-tax Act, 2025, the Finance Act and CBDT notifications. Small savings rates come from the Ministry of Finance's quarterly notifications. The EPF rate comes from EPFO circulars.
Update schedule. We review small savings rates every quarter, tax rules after every Union Budget, and all pages at least twice a year. Every page shows its last-updated date.
Tested. Our calculation engine has automated tests against hand-worked examples.
Estimates, not advice. Market-linked returns are not guaranteed, and individual tax situations differ. We simplify some rules (for example, surcharge on special-rate income) and say so on the page.

Privacy first

All calculations run in your browser. We do not store or see the amounts you enter. See our privacy policy.

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Contact

Found an error or want a new calculator? Email hello@hisaabcalc.in. We fix reported errors quickly.