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₹ BachatCalculator
Indian Personal Finance · 2026

Calculate your bachat
on every financial decision.

RBI, SEBI, and Income Tax Act formulas. Source-cited on every page. Reviewed by an AMFI-registered distributor.

Open EMI Calculator Read methodology
  • AMFI ARN-286359
  • RBI-cited formulas
  • Reviewed by Jayesh Jain
  • AMFI ARN-286359 verified
  • RBI Master Circular cited
  • SEBI illustration norms
  • Indian numbering (₹1,00,00,000)
  • Every formula source-cited
7 financial decisions

One calculator for every Indian retail-finance question.

Each cluster is built on official formulas — RBI for loans, IT Act for tax, SEBI for investments — and reviewed before publish.

Trust signals

Every formula. Every source. Every page.

No black boxes. No 'best fund' lists. The math is the math — and we show you exactly where it comes from.

Formula on every page

EMI = P × R × (1+R)ⁿ
       ÷ ((1+R)ⁿ − 1)

RBI Master Circular on Loans and Advances · cited inline.

Always current

  • • Bank rates audited weekly
  • • Tax slabs within 7 days of Budget
  • • Repo rate same-day on MPC
  • • Post-office quarterly

Reviewed by an ARN holder

Every page is reviewed by Jayesh Jain (AMFI ARN-286359) before publish and re-reviewed annually. Footer of every page lists the last-reviewed date.

Read the full methodology
Editorial authority

Reviewed by an AMFI Registered Distributor.

Jayesh Jain

Founder, BachatCalculator

  • AMFI ARN-286359
  • NISM Series V-A
  • Valid 31 Jan 2024 – 24 Jan 2027

On every page I review the formula against current RBI / SEBI / Income Tax Department rules and sign off on the output. If a regulation changes — FY tax slabs, RBI repo rate, EPFO interest, post-office rates — the page is updated and re-signed.

Full bio Verify at AMFI
Common questions

Frequently asked, honestly answered.

Frequently Asked Questions

Why are your numbers different from my bank's calculator?
They shouldn't be — both should use the same RBI reducing-balance formula. If you see a difference, it's usually because the bank quoted you a slightly different rate, or rounded the EMI to ₹1 (we round to ₹0.01 internally and round-display at the end). Use our calculator to model "what-if" scenarios; use your bank's sanction letter for the final number.
Are these calculators free?
Yes. Free to use, no sign-up, no email required. We earn commission only when readers go on to actually take a mutual fund through our AMFI ARN distribution, or click an affiliate link to a bank/broker. Editorial decisions are independent of those relationships.
Is BachatCalculator a SEBI Registered Investment Adviser?
No. We are an AMFI Registered Mutual Fund Distributor (ARN-286359). We do not provide personalised investment advice. All content on this site is educational. For personalised advice, consult a SEBI-registered RIA.
How do you keep bank rates current?
Our bank-rates dataset is audited weekly against public bank disclosures. The dataset has a 30-day staleness alarm in CI — if rates haven't been refreshed within 30 days, the build fails. Rate-sensitive pages always show the last-updated date.
Can I trust your tax-benefit calculations?
Our tax calculators implement the Income Tax Act sections directly (24(b), 80C, 80EEA, 80E, etc.) at the caps and rules in effect for the financial year shown. We update within 7 days of any Union Budget change. That said, tax is personal — for filing decisions, consult a Chartered Accountant.

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