About Niveshkar — Who We Are and How the Calculators Are Built

Ritusmoi Kaushik

Software engineer, Guwahati. Builds and maintains Niveshkar solo.

Why I built this

I spent a frustrated weekend in early 2026 trying to figure out whether to prepay my home loan or run a parallel SIP. Every Indian finance calculator I opened either hid the formula behind a "Calculate" button, ran ads disguised as recommendations, or quietly bounced me into a partner bank's lead form. The math is not hard. EMI is one closed-form expression that every Indian bank has used since the 1990s. SIP future value is annuity-due, three lines of arithmetic. PPF is the same compound-interest formula taught in Class IX. There is no reason the calculator for either should require an account or three popups.

Niveshkar is what I built that weekend, then kept building. It covers the everyday money decisions an Indian salaried earner, freelancer or retiree actually faces — home and personal loan EMI, SIP, lumpsum, FD, PPF, NPS, HRA, gratuity, capital gains, the old-vs-new tax regime decision. Each tool gets a dedicated page with the formula, a worked example with real Indian numbers, the regulatory basis, and a link to the relevant RBI circular or Income Tax Act section so anyone can verify the math.

Working solo has tradeoffs worth saying out loud. There is no in-house chartered accountant or SEBI-registered investment adviser reviewing every page. What I do instead: trace every formula to a primary regulator notification, cross-check every number against at least two reputable reference calculators before going live, and ship a fix within 24 hours of any error someone reports. If you spot a mistake, the contact details below get the fix into production fast. The full source is on GitHub so you can verify the formulae yourself rather than taking my word.

How I build a calculator

Every calculator on Niveshkar follows the same workflow before going live:

Source the math from a primary regulator or Act, never from a competitor's blog. EMI math comes from the RBI Master Direction on housing finance. SIP returns from the standard annuity-due formula. Tax slabs from the Finance Act and the Income Tax Department's official notifications. Each calculator page lists 5 or more primary sources at the bottom.
Cross-check the numbers against at least two reputable reference calculators — typically a combination of Groww, Cleartax, ETMoney, BankBazaar, emicalculator.net or the official AMFI / Income Tax / India Post calculators. I do not ship a calculator until the gap with the best reference is under 0.5% across the input ranges most users will care about.
Write the long-form content by hand. Each calculator page carries 1,000-1,500 words of original prose covering what the instrument is, how it works, a worked example with real Indian numbers, common mistakes specific to the Indian context (the flat-rate trap on NBFC personal loans, the lowest-balance rule on PPF, the late-deposit penalty on EPF), and a tax callout.
Update on regulatory change. Tax slabs, contribution limits, interest rates and section references get updated within a week of any Union Budget, RBI rate change or quarterly small-savings-rate notification. Every page shows the most recent "Last updated" date.
Stay open-source. The full site source is on GitHub. Anyone can verify the math, send a correction or open an issue.

What this site is not

Not financial advice. The calculators are educational tools. They tell you what the math says under a specific set of assumptions, not what you should do with your money. For a personal decision, talk to a SEBI-registered investment adviser or a chartered accountant.
Not a broker, bank or NBFC. No accounts, no logins, no money moves through this site. I do not hold AMFI, SEBI, IRDAI or RBI registrations and do not solicit any deposits or investments.
Not a lead-generation site. No "Apply now" buttons, no user details sold to partner banks, no affiliate links to financial products. The only third-party scripts are anonymous analytics (Cloudflare) and, when approved, Google AdSense.

Conflict of interest and funding

Niveshkar's only revenue source is Google AdSense display ads on content pages. I do not accept sponsored content, paid placements, sponsored calculators or affiliate commissions from financial product issuers. I also do not invest in or hold shares of any of the financial product issuers I name in long-form content (banks, AMCs, NBFCs). If that ever changes, this section gets updated and material conflicts will be disclosed on the relevant calculator pages.

The site does not collect or sell user data. See the privacy policy for full detail on what third parties (Cloudflare, AdSense) do and do not collect.

Why "Niveshkar"?

Niveshkar (pronounced nuh-VESH-kar, like "investor" but with the second syllable stressed) is a Hindi-influenced coinage from nivesh (investment) plus the agent suffix -kar (one who does). Roughly, "the one who invests". The name is meant to feel familiar to anyone who has read a Hindi financial-news headline and to read cleanly in English search results too. The "kar" at the end is highlighted in emerald in our logo as a nod to the action of doing, not just reading about, your money.

Spot an error?

If a calculator produces a wrong number, a tax rule has changed, or a referenced source URL is broken, send us a quick email at hello@niveshkar.com or open an issue on GitHub. Corrections to verified errors are typically live within 24 hours.

Contact

General queries: hello@niveshkar.com
Privacy / data-subject requests: privacy@niveshkar.com
Full contact options: Contact page.