Hisab – Smart Finance Calculator is a free, fast and simple money app made for India by Smart Works. 21 calculators for loans, investments, tax, salary and government schemes – in English and हिन्दी.

⚠️ NOT A GOVERNMENT APP: Hisab is an independent app by Smart Works. It is not affiliated with, endorsed by or representing the Government of India or any government entity. Tax and scheme information is taken from the official public sources listed at the end of this description.

🏦 LOANS
• EMI calculator – home, car and personal loan, with pie chart and full year-wise and month-wise amortization schedule
• Loan prepayment – see the interest saved and how much earlier your loan closes
• Compare two loan offers – EMI, interest and processing fee side by side
• Home loan eligibility – how much you can borrow

📈 INVESTMENTS
• SIP calculator with annual step-up and a year-by-year growth chart
• Lumpsum, SWP (monthly withdrawal), FD and RD calculators

🎯 PLANNING
• Goal planner – monthly SIP needed for any goal, adjusted for inflation
• Retirement planner – corpus needed and the monthly SIP to get there
• Inflation calculator – future cost of today's money

🧾 TAX & SALARY
• Income tax calculator FY 2026-27 (AY 2027-28) – old vs new regime side by side with the cheaper one highlighted. ₹75,000 standard deduction, Section 87A rebate (zero tax up to ₹12 lakh) with marginal relief, 80C, 80D, HRA, home loan interest 24(b), surcharge and 4% cess
• GST calculator – add or remove GST at 0%, 5%, 18%, 40% or a custom rate, with CGST/SGST split
• Salary calculator – CTC to in-hand salary
• HRA exemption calculator

🛡️ GOVERNMENT SCHEMES
• PPF, EPF, NPS (pension at 60), Sukanya Samriddhi (SSY) and Gratuity

WHY YOU'LL LIKE HISAB
• Indian number format – ₹12,34,567 and "12.35 lakh / 1.2 crore"
• English and हिन्दी
• Save any calculation and reopen it later; pin your favourites
• Share results or create a PDF report
• Light and dark theme
• No sign-up – your numbers stay on your phone

📚 OFFICIAL SOURCES (government information used in the app)
• Income tax slabs, rebate, HRA rules: Income Tax Department – https://www.incometax.gov.in
• Union Budget: https://www.indiabudget.gov.in
• GST rates: GST Portal – https://www.gst.gov.in and CBIC – https://www.cbic.gov.in
• PPF, Sukanya Samriddhi, RD rates: National Savings Institute – https://www.nsiindia.gov.in and India Post – https://www.indiapost.gov.in
• EPF rate and contribution rules: EPFO – https://www.epfindia.gov.in
• NPS rules: PFRDA – https://www.pfrda.org.in
• Gratuity rules: Ministry of Labour & Employment – https://labour.gov.in
The same links are available inside the app under Settings → Sources & disclaimer.

Disclaimer: For estimation only. Not financial advice. Hisab is not a government app and does not offer loans or any financial service. Tax rules and interest rates can change – always verify on the official websites above or with a qualified advisor before making decisions.