About BharatCalc

What is BharatCalc?

BharatCalc is a free online calculator platform built for Indian users. Whether you're planning a mutual fund SIP, calculating your home loan EMI, comparing the new and old income tax regimes, or figuring out your BMI — BharatCalc gives you instant, accurate answers with zero friction. No login, no subscription, no hidden charges. Ever.

Our Mission

Financial literacy in India is held back by complexity and inaccessibility. Most people — salaried employees, small business owners, students, retirees — need simple tools to make everyday financial decisions. BharatCalc exists to bridge that gap.

Our mission is to give every Indian free, instant access to the financial tools they need — designed for Indian tax laws, Indian financial products, and Indian users. No paywalls, no complicated spreadsheets, no waiting.

What we offer

Our commitment to accuracy

BharatCalc uses the same standard formulas that banks, SEBI-registered advisors, and the Indian government use:

• EMI uses the reducing-balance method (same as all Indian banks)
• SIP uses the standard future-value formula
• PPF uses annual compounding consistent with government norms
• EPF rate is updated to the latest EPFO-declared rate
• Income tax uses the official Budget 2025–26 slabs

Results are estimates for planning purposes. For binding financial decisions, always consult a SEBI-registered financial advisor.

Always free — why?

BharatCalc is funded by non-intrusive display advertising. We believe financial tools should never be locked behind a paywall. Every calculator on BharatCalc was, is, and will always be 100% free to use for every Indian.

Contact us

Found an error? Have a suggestion for a new calculator? We'd love to hear from you.