Explainers
Guides
Longer reads behind the calculators — EMI, tax regimes, GST for small sellers, PIN codes and HRA. Still estimates, still not a government desk.
Why a Bengaluru software practice shipped a public calculator
CompCode Solutions is a registered practice in Bengaluru. Most of the public footprint is B2B: a policy assistant, a regression suite, a CAPA desk. IndiaKit exists because the same people kept opening three different apps to answer one rupee question, and because a one-page popup is not something Google — or a reader — can actually review.
Read → IndiaKit and NSE deskHousehold maths is not market data
CompCode runs both. Mixing them would be convenient for a homepage and dishonest for a reader. A SIP future-value at 12% is a planning assumption. An NSE chart is a price. This page says which hostname does which job.
Read → Salary, without the HR jargonReading an Indian payslip: CTC, in-hand and the bits in between
Offer letters in India quote annual CTC. The amount that lands in the account is smaller, and not only because of income tax. This walk-through names the usual line items and points at the calculators that estimate them — not at a payroll product.
Read → Estimates, labelledWhat “indicative” means on this site
Several IndiaKit tools print a rupee figure that is not a government fee circular and not a bank sanction. We use the word indicative on purpose. This page lists what that word covers, so a review — or a reader — does not treat a challan sketch as a court order.
Read → Housing finance, in plain rupeesHow EMI actually works on an Indian home loan
Banks in India sell “EMI starting at…” as if the instalment were a product. It is a formula. This guide unpacks reducing-balance interest, floating resets, and why the first five years of a twenty-year loan feel heavier than the brochure suggests.
Read → Personal tax, not a CA substituteNew versus old income-tax regime: a working sketch
India now treats the new regime as the default for many salaried people, while the old regime still matters if you have a stack of deductions. This page explains how IndiaKit estimates tax, where HRA and the standard deduction sit, and why a website cannot file your return.
Read → Saving versus investingSIP versus fixed deposit: different jobs, same rupee
A recurring deposit and a mutual-fund SIP can both debit ₹10,000 on the 5th. One is a bank contract. The other is a market price. Mixing them up is how people either take equity risk they did not mean to take, or leave long-horizon money in an FD that inflation quietly eats.
Read → Everyday tax on a billGST for small sellers: rates, invoices, and what not to type here
If you sell diyas on Instagram, repair phones in a market, or invoice a company as a freelancer, GST shows up as 5, 12, 18 or 28 percent on a base amount. This guide is about the arithmetic on an invoice — not about registering a GSTIN or filing GSTR-1.
Read → India Post geographyHow to read a six-digit PIN code
A PIN is not a random lock. The first digit is a region, the next two zoom toward a sorting district, and the last three point at a post office. Couriers, ecommerce filters, and bank KYC forms all lean on that six-digit string — which is why a wrong PIN delays a parcel more often than a wrong landmark.
Read → Salaried rent, old regimeHRA in metro cities: the three-way minimum
House rent allowance is exempt only to the least of three figures: the HRA you actually received, rent minus 10% of basic, and 50% of basic in a metro (40% elsewhere). That is why two colleagues with the same CTC can have different taxable income after they move from Indore to Mumbai.
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