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Guides, tips, and how-tos for free online tools
Amazon India Seller Fees: A Per-Unit Profit Checklist
A calculator profit of Rs. 380 can shrink to Rs. 229 once GST on fees, ads, returns and handling are counted. Here is a checklist to find your real per-unit profit.
Break-Even ROAS: How to Know If Your Ads Make Money
A 5x ROAS can lose money and a 2.5x ROAS can make it. Learn how to work out your own break-even ROAS from margin, including shipping, fees and returns.
Profit Margin vs Markup: The Difference That Costs Small Sellers Money
Margin and markup use the same profit but divide by different numbers. Here is how to convert between them, price to a target margin, and avoid the common 20-percent-versus-25-percent pricing mistake.
How to Read CAGR From a Mutual Fund Statement
Turn the units, NAV and dates on your statement into an annual return, and learn why CAGR is right for one purchase but misleading for a SIP.
How to Compare Two Job Offers Beyond the CTC Number
A higher CTC does not always mean more money in hand. A checklist and a worked example comparing a fixed offer with one that includes variable pay.
Compound Interest: Does Monthly vs Yearly Compounding Matter?
Rs. 1 lakh at 8% for 10 years gives Rs. 2,15,892 yearly and Rs. 2,21,964 monthly. How much frequency matters, with effective annual rate and a decision framework.
How to Claim HRA: The Three-Way Rule With Worked Examples
The HRA exemption is the lowest of three amounts. Worked examples show which one limits you, what paperwork you need, and what our calculators leave out.
Why Your In-Hand Salary Is Lower Than CTC Divided by 12
CTC includes PF, gratuity and tax that never reach your account. Worked examples at three CTC levels show where the money goes and what the tool assumes.
Gratuity in India: Eligibility, Formula and a Worked Example
How the 15/26 gratuity formula works, who is eligible, how service years are counted, and what the calculator does and does not check.
NPS for Salaried Employees: How the Corpus Builds Up
A worked example of how an NPS corpus grows over 30 years, how return assumptions and starting age change it, and what the 60/40 split in our calculator leaves out.
How EPF Works: Contributions, Interest and What You Actually Get
How the 12% employee and employer shares are split, a worked 10-year EPF example, the declared interest rate, and where the calculator's estimate differs from your passbook.
What FOIR Is and How Banks Decide How Much Loan You Can Get
FOIR explained with a Rs. 1 lakh income worked example, a table showing how tenure, rate and existing EMIs change your eligible loan, and what the calculator leaves out.
Income Tax in India for FY 2026-27: New vs Old Regime, Slabs and the Rs. 12 Lakh Rebate
FY 2026-27 slabs for both tax regimes, how the section 87A rebate makes income up to Rs. 12 lakh tax-free, and a worked new-versus-old comparison for a Rs. 15 lakh salary.
How to Merge and Split PDF Files for Free, Without Uploading Them
Step-by-step guide to combining PDFs and pulling pages out of one with ToolHive's in-browser tools, plus honest notes on what they cannot do and what to use instead.
FD vs PPF: Which Is Better for a 15-Year Goal? A Worked Comparison
Same Rs. 1.5 lakh a year, same 15 years: how much a fixed deposit and a PPF account each end up with after tax, and what FD rate would be needed to match PPF.
How Your Loan EMI Is Calculated, With a Worked Example
The EMI formula, a Rs. 30 lakh worked example, a month-by-month split of interest and principal, and how tenure and rate change what you pay in total.
Should You Prepay Your Home Loan? A Practical Framework
A worked Rs. 4 lakh prepayment example, why timing matters, and a step-by-step checklist for deciding between prepaying a home loan and keeping the cash.
SIP vs Lumpsum: How the Same Rs. 6 Lakh Grows Two Different Ways
A steady-return comparison and a market-dip illustration show when a lumpsum beats a SIP, when a SIP wins, and what the calculators can and cannot tell you.
HR Salary Calculator India: Understanding CTC, Take-Home Pay, EPF, and Gratuity
A complete guide to understanding your salary structure in India. Learn how CTC breaks into basic, HRA, allowances, EPF, and gratuity — and calculate your exact take-home pay.
SIP Calculator India: How Systematic Investment Plans Build Wealth Over Time
Learn how to use a SIP calculator to estimate your mutual fund returns, understand the power of compounding, and plan your long-term wealth creation with monthly SIP investments.
Word Counter Online: Count Words, Characters & Reading Time Instantly
Count words, characters, sentences, and estimate reading time for any text — instantly in your browser. No signup, no limits, completely free.