Guides & articles
Practical, India-focused explainers on financial planning, exam form preparation, and getting the most out of TheCalculatorHubs tools.
Every guide here is written for everyday Indian users — salaried professionals planning a home loan, parents helping a child fill an exam form, small business owners working out GST on an invoice, or first-time investors deciding between an SIP and a fixed deposit. The articles use real Indian numbers (₹, percentages from Indian banks, GST slabs as they currently stand) and link back to the matching calculator on the site so you can plug in your own values straight away.
Articles are organised into topical clusters: SIP & investing, Home loans & EMI, GST & taxes, and India utility tools. New articles are added regularly. If there's a topic you'd like covered, drop us a line via the contact page.
SIP & investing
What is SIP? Complete Beginner Guide
How Systematic Investment Plans work — compounding, returns, and how to start with as little as ₹500 a month.
InvestingHow SIP Calculator Works: Formula & Examples
The exact formula behind every SIP calculator with step-by-step worked examples for Indian investors.
InvestingBest SIP Strategy for Beginners in India
A simple, India-tested SIP strategy for first-time investors — fund choice, monthly amount, step-up rules.
InvestingHow Much SIP for ₹1 Crore? India Guide
Exactly how much monthly SIP you need to reach ₹1 crore — by tenure, expected return, and step-up rate.
InvestingSIP vs FD: Which is Better in India?
Comparing returns, tax, liquidity, and risk for SIPs versus traditional fixed deposits — with worked numbers.
Home loans & EMI
Home Loan EMI Calculation Guide
EMI formula, worked examples for ₹30 lakh and ₹50 lakh home loans, and three ways to reduce your monthly burden.
LoansHow to Reduce EMI: 7 Proven Methods
Seven legitimate ways to lower your home or personal loan EMI — pre-payment, balance transfer, and more.
LoansFixed vs Floating Interest Rate: Full Guide
When fixed makes sense, when floating wins, switching costs, RBI rate impact, and the hybrid approach.
LoansBest Loan Repayment Strategies
Avalanche vs snowball, the right order to clear multiple loans, and when pre-payment beats investing.
GST & taxes
GST Rates Explained: 5%, 12%, 18%, 28%
India's GST rate structure, when CGST + SGST applies versus IGST, and how to compute GST on any invoice.
TaxGST Calculation Examples: Step-by-Step
Five worked GST examples — adding GST, removing GST, intra-state vs inter-state, mixed-rate invoices.
TaxGST for Small Business: Complete Guide
Registration thresholds, composition scheme, invoicing rules, ITC mechanics, and common compliance pitfalls.
TaxCommon GST Mistakes to Avoid
The 10 most common GST errors Indian businesses make — wrong place of supply, ITC issues, late returns.