Help & Frequently Asked Questions

Find answers to common questions below. If you cannot find what you are looking for, email us at support@blackbeltcodelabs.com and we will get back to you within 2 business days.

Using the Calculators

Are the calculators free to use?

Yes. Every calculator on CalcPhi is completely free. There is no registration, no account, no trial period, and no paywall. We intend to keep it that way permanently.

Do I need to create an account?

No. There are no accounts on CalcPhi. Open any calculator, enter your numbers, and get your result instantly — no login required.

Do the calculators save my data?

No. All calculations happen entirely in your browser. Nothing you type into a CalcPhi calculator is sent to our servers or stored anywhere. Your financial information stays on your device. See our Privacy Policy for full details.

Can I use CalcPhi on my phone?

Yes. All CalcPhi calculators are fully mobile-responsive and work on any device — phone, tablet, or desktop — in any modern browser. No app download is required.

How do I share a calculation with someone?

Simply share the page URL — for example, calcphi.com/india/sip-calculator/. The recipient can enter the same inputs and see the same result. We do not currently support saving or sharing specific calculation results as a permalink, but this is on our roadmap.

Accuracy & Results

How accurate are the results?

Our calculators use the correct financial formulas for each instrument, verified against authoritative sources (RBI, AMFI, CBDT, IRS). Results match those produced by major Indian banks and AMCs within standard rounding tolerances. Every page states the formula used so you can verify the calculation yourself.

Why does my result differ from my bank's calculator?

Small differences can occur due to rounding methods (some banks round monthly installments to the nearest rupee, for example), compounding frequency conventions, or specific bank policies not captured in a general-purpose formula. If the difference is significant (more than 1–2%), please let us know — we take accuracy very seriously and will investigate.

The PPF / income tax rate seems wrong. Is it updated?

We update rates every quarter following official government notifications. The current PPF rate is 7.1% (effective October 2023). Income tax slabs are for FY 2026-27 under both old and new regimes. The date of last update is displayed at the top of every calculator page. If you believe a rate is out of date, please email us.

Are results financial advice?

No. CalcPhi results are estimates for educational and planning purposes only. They are based on the inputs you provide and mathematical formulas. They do not account for fund-specific charges, individual tax situations, or market volatility. Before making any investment or financial decision, consult a SEBI-registered investment advisor (India) or the equivalent regulated professional in your country.

India-Specific Questions

Which SIP return rate should I use?

Use 10–12% for large-cap or index funds (conservative), 12–15% for mid-cap funds (moderate). Never project more than 15% for any long-term estimate regardless of a fund's historical performance. Past returns do not guarantee future performance.

Which income tax regime should I choose — old or new?

Use our Income Tax Calculator to compare both regimes for your specific income and deduction profile. As a general rule: if your total deductions (80C + HRA + home loan interest + 80D + NPS) are below ₹3.75 lakhs, the new regime usually saves more tax. If your deductions are higher, the old regime may be better.

Is the HRA calculator applicable under the new tax regime?

No. HRA exemption is only available under the old tax regime. Under the new regime, you receive a flat ₹75,000 standard deduction but no HRA or other deductions apply. Use our HRA Calculator alongside the income tax calculator to determine which regime benefits you more overall.

What is the maximum PPF contribution per year?

The maximum annual contribution to a PPF account is ₹1,50,000 (₹1.5 lakh). The minimum is ₹500. Contributions above ₹1.5 lakh per year do not earn interest and are returned without tax benefit.

Errors & Feedback

I found a mistake in a calculator. How do I report it?

Email support@blackbeltcodelabs.com with the subject line "Calculation Error — [Calculator Name]". Please include the inputs you used, the result you received, the correct result you expected, and a reference source if you have one. Verified errors are corrected within 48 hours.

Can I suggest a new calculator?

Absolutely. We are continuously expanding our calculator library. Send suggestions to support@blackbeltcodelabs.com with the subject line "Calculator Suggestion". Popular suggestions are prioritised for the next build cycle.

There is a typo or outdated information on a page. How do I flag it?

Email support@blackbeltcodelabs.com with the page URL and the specific issue. We update content errors within 7 days.

Business & Partnerships

How does CalcPhi make money if everything is free?

CalcPhi is funded through two sources: display advertising (Google AdSense) and contextual affiliate partnerships. When a user who has just completed a calculator clicks through to a relevant financial product (such as a demat account or a loan comparison platform), CalcPhi may earn a small referral fee. These relationships do not influence our calculator results or editorial content, and are disclosed on relevant pages.

How do I advertise on CalcPhi or set up an affiliate partnership?

Email support@blackbeltcodelabs.com with the subject line "Partnership Enquiry". Please tell us about your product, target market, and what type of partnership you have in mind.

Still Need Help?

If your question is not answered above, we are happy to help directly.

Email: support@blackbeltcodelabs.com
Response time: within 2 business days (Mon–Fri, IST)
Company: Black Belt Code Labs