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Practical explanations for finance, tax, health, and education — written by the Calkulator team

Every guide below is written and fact-checked by our team. We explain the concepts behind our calculators with real Indian examples, official formulas, and actionable advice — so you understand the result, not just see it.

Investment

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Investment
SIP vs Lumpsum — Which Investment Strategy is Better for You?
Detailed comparison of SIP and lumpsum investing in India. Understand rupee cost averaging, market timing risks, and whi...
timer 8 min read edit_calendar Jun 25, 2026
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savings
Investment
PPF vs NPS vs ELSS — Best Tax-Saving Investment Under Section 80C
Head-to-head comparison of PPF, NPS, and ELSS for tax saving under 80C. Covers lock-in period, expected returns, taxatio...
timer 9 min read edit_calendar Jun 18, 2026
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Investment
The Power of Compounding — How Compound Interest Grows Your Money
Understand how compound interest works with real examples, the Rule of 72, and why starting early matters more than inve...
timer 7 min read edit_calendar Jun 12, 2026
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Loans

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Loans
How EMI is Calculated — The Maths Behind Your Loan Repayment
Step-by-step breakdown of the EMI formula, amortization schedule, and how banks compute your monthly instalment. Include...
timer 7 min read edit_calendar Jun 20, 2026
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Loans
Should You Prepay Your Home Loan or Invest the Money in SIP?
The classic dilemma for Indian borrowers: use surplus cash to prepay your home loan and save interest, or invest in mutu...
timer 9 min read edit_calendar Jun 08, 2026
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Tax

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Tax
Old vs New Tax Regime — Which One Saves You More Tax in FY 2025-26?
Complete comparison of old and new income tax regimes in India for salaried employees. Covers slabs, deductions (80C, 80...
timer 10 min read edit_calendar Jun 22, 2026
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Tax
GST for Small Businesses in India — Registration, Rates & Filing Guide
A practical GST guide for freelancers, small shop owners, and service providers. Covers registration threshold, composit...
timer 11 min read edit_calendar Jun 24, 2026
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payments
Tax
CTC vs In-Hand Salary — Understanding Your Salary Breakup in India
Decode your Indian salary slip: CTC, gross salary, basic, HRA, PF deduction, professional tax, and actual in-hand amount...
timer 8 min read edit_calendar Jun 20, 2026
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Health

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Health
BMI Chart for Indians — What is a Healthy Weight for Your Height?
BMI ranges specific to the Indian population with WHO Asia-Pacific cut-offs. Understand why standard BMI thresholds may...
timer 6 min read edit_calendar Jun 15, 2026
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Education

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Education
CGPA to Percentage Conversion — Rules for Indian Universities
How different Indian universities convert CGPA to percentage. Covers CBSE, VTU, Mumbai University, Anna University, AKTU...
timer 6 min read edit_calendar Jun 10, 2026
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