Paisa Kona: EMI, PPF, GST

Paisa Kona (formerly BachatGuru) is an offline suite of Indian finance calculators — EMI, true rate, FD/RD, PPF, Sukanya, Senior Citizen Savings, NSC, KVP, gold bill, GST and Atal Pension. It is an educational calculator, not a lender; it does not provide loans, investment products, payments, financial advice, or account access — every result is computed on-device from values you enter. Same app, same package, now Hindi-first, and every public rate carries its notification and dates. LOANS • EMI on reducing balance, in Hindi words; year-by-year principal/interest; prepayment planner • True rate: convert a "flat" quote into the real reducing-balance rate; all-in APR the way RBI's Key Facts Statement requires POST OFFICE • PPF with the 5th-of-month rule and the 31 March ₹500 condition; the rate is shown with its DEA OM date • Sukanya Samriddhi, Senior Citizen Savings (quarterly interest), NSC (₹10,000 → ₹14,490), KVP (doubles in 115 months) • When a notified quarter lapses the page goes blank — we never run an old rate DEPOSITS • FD and RD with quarterly compounding; you type your bank's rate — we do not pick banks or rank them EVERYDAY • Gold bill: our own landed-cost arithmetic from the CBIC tariff value × RBI/FBIL reference rate × customs duty, formula and dates printed; making charge is yours to ask the jeweller; GST 3% metal + 5% making • GST: 0 · 3 · 5 · 18 · 40 — add or remove, CGST/SGST/IGST split • Atal Pension: the gazette grid — ₹210 at 18, ₹1,454 at 40 for the ₹5,000 slab • Goal maths: you type the assumed rate — nothing pre-filled, nothing promised RATES AND EXPLAINERS • Dated public rates: small savings (DEA OM), repo (RBI), PMJJBY/PMSBY, official gold inputs — each with source and date • Explainers baked in: GDP 7.8% and the two base years, CPI vs WPI, repo and EMI, PPF's 5th-of-month rule, reducing balance, DICGC ₹5 lakh This is not advice. Default rates are public figures with source and date; your bank's rate may differ. There is no Apply.