BachatGuru: Loan EMI, SIP, GST
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About this app
BachatGuru is a clean, fast, completely offline suite of Indian finance calculators. No ads. No sign-up. No internet permission — your numbers never leave your phone.
BachatGuru is a calculator for estimation and education only. It is not a lender and does not provide loans, investments, payments, financial advice, or account access — every result is computed locally on your device from values you enter.
LOANS
• EMI calculator with presets for home, car, personal, gold, education & two-wheeler loans
• Full amortization schedule with year-wise principal/interest breakup
• Prepayment planner — see months and interest saved by a lump-sum or extra monthly payment
• True Rate Checker — converts a "flat rate" quote to the real reducing-balance rate, and computes the all-in APR including processing fees, the same way RBI's Key Facts Statement requires banks to disclose it
SAVINGS
• FD calculator with quarterly compounding (the actual Indian bank convention) and senior-citizen rates
• RD and PPF calculators — PPF models the real rule: interest on the lowest balance between the 5th and month-end, so you can see why depositing before the 5th earns more
INVESTING
• SIP calculator with annual step-up and goal-seek ("what monthly SIP reaches ₹1 crore?")
• Inflation-adjusted "in today's money" values
• Lumpsum and CAGR calculators
EVERYDAY
• GST calculator with the current slabs (5%, 18%, 40% de-merit, 3% gold) and CGST/SGST/IGST split
WHY BACHATGURU?
• Accurate math, verified against RBI's official worked examples and India Post's published maturity values
• Indian number format everywhere — lakhs and crores, with amounts in words as you type
• Every calculator explains its formula and conventions — see exactly how your number was computed
• Small app, instant results, works in airplane mode, dark mode support
Disclaimer: BachatGuru is a calculation tool for estimation and education only. It does not provide loans, investment products, or financial advice. Rates shown as defaults are indicative; confirm with your bank or institution.
BachatGuru is a calculator for estimation and education only. It is not a lender and does not provide loans, investments, payments, financial advice, or account access — every result is computed locally on your device from values you enter.
LOANS
• EMI calculator with presets for home, car, personal, gold, education & two-wheeler loans
• Full amortization schedule with year-wise principal/interest breakup
• Prepayment planner — see months and interest saved by a lump-sum or extra monthly payment
• True Rate Checker — converts a "flat rate" quote to the real reducing-balance rate, and computes the all-in APR including processing fees, the same way RBI's Key Facts Statement requires banks to disclose it
SAVINGS
• FD calculator with quarterly compounding (the actual Indian bank convention) and senior-citizen rates
• RD and PPF calculators — PPF models the real rule: interest on the lowest balance between the 5th and month-end, so you can see why depositing before the 5th earns more
INVESTING
• SIP calculator with annual step-up and goal-seek ("what monthly SIP reaches ₹1 crore?")
• Inflation-adjusted "in today's money" values
• Lumpsum and CAGR calculators
EVERYDAY
• GST calculator with the current slabs (5%, 18%, 40% de-merit, 3% gold) and CGST/SGST/IGST split
WHY BACHATGURU?
• Accurate math, verified against RBI's official worked examples and India Post's published maturity values
• Indian number format everywhere — lakhs and crores, with amounts in words as you type
• Every calculator explains its formula and conventions — see exactly how your number was computed
• Small app, instant results, works in airplane mode, dark mode support
Disclaimer: BachatGuru is a calculation tool for estimation and education only. It does not provide loans, investment products, or financial advice. Rates shown as defaults are indicative; confirm with your bank or institution.
Offline EMI, SIP, FD, PPF & GST calculators with accurate Indian formulas.
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What’s new
1.0.1 — दरें ताज़ा
• छोटी बचत योजनाओं की दरें जुलाई–सितम्बर 2026
तिमाही के अनुसार सत्यापित (सरकार ने सभी दरें
यथावत रखी हैं — PPF 7.1%, SSY 8.2%, NSC 7.7%)
• रेपो दर 5.25% (अगस्त MPC) की पुष्टि
• कोई विज्ञापन नहीं, कोई इंटरनेट नहीं — पहले जैसा
• छोटी बचत योजनाओं की दरें जुलाई–सितम्बर 2026
तिमाही के अनुसार सत्यापित (सरकार ने सभी दरें
यथावत रखी हैं — PPF 7.1%, SSY 8.2%, NSC 7.7%)
• रेपो दर 5.25% (अगस्त MPC) की पुष्टि
• कोई विज्ञापन नहीं, कोई इंटरनेट नहीं — पहले जैसा
