About
About
A quiet place for Indian money math.
PaisaMath is a free calculator and reference data site for Indian investors and borrowers – SIP, FD, EMI, and goal calculators alongside RBI-notified bank holidays, NSE / BSE / MCX trading holidays, and plain-English money guides. Built in India, served free, no sign-up.
What we publish
Three things, done well.
Calculators
30+ free calculators across investing, savings, and borrowing – SIP, lumpsum, step-up SIP, inflation-adjusted SIP, goal SIP, FD with monthly payout and after-tax view, home loan EMI / eligibility / prepayment, car loan EMI, mortgage EMI / prepayment, on-road price, retirement corpus, child education, and home down payment.
See all calculators →Reference data
RBI-notified bank holidays for every Indian state and union territory; NSE, BSE, and MCX trading holidays with live market-open status; Muhurat trading session timings; and the RBI repo rate history that drives every floating-rate EMI.
See holiday calendars →Money guides
Plain-English explainers on fixed deposits, home loans, car loans, and mortgages – best FD rates by bank, fixed vs floating, foreclosure rules under the RBI 2025 Directions, balance transfer math, PMAY subsidy, and the loan-type-specific quirks you actually run into.
See all guides →How we work
Editorial principles.
The rules that decide what ships, what doesn't, and how we keep things honest.
Free, forever
No paywalls. No premium tier. No ads gating answers. Every calculator, every data page, every guide stays free.
No sign-up
No account, no login, no email capture. Open the page, get your answer, leave.
India-native math
Numbers in lakh and crore. FD compounding at the RBI quarterly standard. Tax in old and new regime. Loan EMI with the actual EBLR / RLLR reset behaviour. State-wise bank holidays under the Negotiable Instruments Act, 1881.
Sources cited
Statutory claims (LTCG / STCG rates, DICGC ₹5L cap, TDS thresholds, RBI repo, PMAY income bands) are anchored to the source Act, circular, or section – and dated. Bank rates are verified against each bank's own deposits or loan page on the date shown.
Freshness is visible
Every guide shows when it was last updated. Every rate-list page shows when each bank's rate was verified. Every holiday data page shows when the year's data was checked against the official circular.
No financial advice
PaisaMath provides educational tools and reference data. Calculator outputs are illustrative; for personalised advice, consult a SEBI-registered investment adviser or a mutual fund distributor. See the disclaimer.
What we anchor to
Sources we cite.
Every statutory claim, every rate, every date is anchored to a primary source.
- RBI
Repo rate, MPC announcements, bank holiday matrix, pre-payment directions.
- NSE, BSE, MCX
Trading holidays, trading hours, Muhurat session timings – verified against the exchange's own circular.
- DICGC
Deposit insurance coverage rules – currently ₹5 lakh per depositor per bank.
- Income Tax India
Tax slabs, Section 80C, Section 24(b), Section 194A TDS, LTCG and STCG provisions.
- PMAY-Urban
Income bands, interest subsidy formula, EWS, LIG, MIG classification.
- Bank deposit and loan pages
FD interest rates, home loan rates, car loan rates, LAP rates – re-verified against the bank's own page on each refresh.
Who built this
A small team, in Bengaluru.
PaisaMath is built and maintained by a small editorial and engineering team based in Bengaluru. We track RBI MPC announcements, NSE / BSE / MCX trading circulars, and Union Budget updates monthly; bank deposit and loan rates are re-verified quarterly; bank-holiday data is checked against the official RBI matrix every year.
We're not a brokerage, a mutual fund distributor, an aggregator platform, or a paid lead-generation site. There's no business model that depends on you signing up, opening an account, or buying a product. PaisaMath exists so that the everyday financial math Indians need to do – what's my SIP worth in 15 years, what's the EMI on a ₹50L home loan, is the market open today, when does my bank close for Diwali – can happen in one quiet, free place.
PaisaMath is one of three sites we build and own. The same team runs Know Your Brokerage, which compares the brokerage and charges of Indian stock brokers, and IPO Station (ipostation.in), a free tracker for Indian IPO dates, subscription and grey-market premium. The same principles apply on all three: free, no sign-up, no lead generation.
Get in touch
Spot an error? A stale rate? A missing calculator?
Email knowyourbrokerage@gmail.com with the page, the issue, and (if possible) a link to the authoritative source. Corrections on rate-list and policy pages are usually shipped within 48 hours.