About Nivesh

Nivesh is a set of free, transparent financial calculators for India: investing, loans, taxes, salary, savings, and retirement, all in one place, with every formula visible and no signup required.

Why it exists

Most financial calculators online show you a number and ask you to trust it. Nivesh takes the opposite approach: every calculator shows its formula alongside the result, and every rate or statutory limit it depends on is dated, so it's clear how current it is. The goal isn't just to give you an answer, it's to let you see exactly how that answer was reached. See Methodology for the details.

Who it's for

Nivesh is built for individuals managing their own money in India: salaried professionals planning a SIP, comparing loan offers, or working out what a salary hike actually means after tax; retirees deciding how to draw down a corpus; anyone who wants a real number before making a financial decision, not a sales pitch.

What it isn't

Nivesh doesn't sell financial products, isn't a SEBI-registered investment advisor, and doesn't offer personalized advice. It's a set of tools, built to be as accurate and transparent as a calculator can be. See the Disclaimer for what that means in practice.

Get in touch

Found something wrong, or have a calculator you wish existed? See Contact.