About FinanceChk

FinanceChk started as a frustration. Every time I needed to calculate my home loan eligibility or compare tax regimes, I'd land on sites with wrong formulas, outdated tax slabs, or calculators hidden behind signup walls. The numbers never matched what my CA gave me.

So I built this. Every calculator on FinanceChk uses the same formulas that banks and the Income Tax Department use. The home loan eligibility calculator uses the actual FOIR method that SBI, HDFC, and ICICI apply internally. The tax comparison tool uses FY 2026-27 slabs exactly as published in the Finance Act. No approximations, no rounding tricks.

Verifiable formulas. Every calculation page shows the exact formula used, with a worked example. You can verify the output with a spreadsheet or your CA. If a number is wrong, the formula is right there for you to check. I cite RBI circulars and Income Tax Act sections where applicable.

Indian number formatting. ₹1,00,000 not ₹100,000. Lakhs and crores, not millions. This seems small but every competitor gets it wrong. When you're looking at a ₹42 lakh home loan figure, you need to read it instantly without mental conversion.

No signup, no paywall. The tools load instantly. No email gate, no "unlock premium features" upsell. Revenue comes from non-intrusive AdSense placements that don't interfere with the calculator experience.

Updated regularly. Tax pages are updated every budget. Brokerage charges are verified quarterly. Interest rates are checked against RBI policy announcements. Every page shows its last-updated date because stale financial information is worse than no information.

I'm Rajat, a software developer and active trader on NSE and MCX. I've been trading crude oil futures and equity F&O since 2019, which means I've personally used (and been frustrated by) every brokerage calculator, margin calculator, and tax tool on the Indian internet.

The MCX crude oil content on this site comes from actual trading experience — lot sizes, margin requirements, and timing patterns I've learned through years of intraday trading. This isn't information scraped from broker websites. It's practical knowledge that costs real money to acquire.