About Nivesh Ledger

Last updated 20 August 2026

Nivesh Ledger is a free, self-contained suite of Indian financial calculators — SIP, PPF, EMI, GST, income tax, and more — built around a simple idea: the maths behind personal finance decisions shouldn't be hidden inside a black box.

Why this exists

Most financial calculators online are either bundled with an app that wants your phone number, buried in ads, or so vague about their assumptions that you can't tell if the number on screen is actually right for your situation. This site tries to do the opposite on all three counts: no sign-up, no ads, and every calculator states the exact formula it's using, so the result is explainable rather than mysterious.

What makes it different

• Private by design — every calculation runs in your browser. Nothing you type is ever uploaded anywhere.
• Built for Indian rules — current tax slabs, capital gains rates, and government scheme interest rates, not generic global assumptions.
• Deeply explained — every calculator ships with FAQs covering how it works and the rules behind it, plus a growing library of guides and a plain-English glossary.
• Free, permanently — no premium tier, no paywalled features.

What this site is not

Nivesh Ledger is a calculation tool, not a licensed financial advisor. The figures it produces are illustrative estimates based on the inputs and assumptions you provide (or the defaults shown), not personalised investment, tax, or legal advice. Tax rules, interest rates, and scheme terms change — always verify current figures against an official source or a qualified professional before making a financial decision.

Feedback

If you spot an error, have a calculator you'd like to see added, or just want to say something worked well, feedback is genuinely welcome. Reach out via the contact details linked from this site's repository, or wherever you found this tool.