heyartha.com · About HeyArtha
Finance that makes sense.
HeyArtha is a finance hub: calculators, guides and explainers across tax, trading and personal finance, with the working shown behind every number. Tax is the first category, and the tools published so far implement Indian income-tax law.
- Singrauli, Madhya Pradesh
- Built by one student
- Calculated in your browser
Open tools · Practice CA exams · View Calculation Methodology
General educational utility: Content and tools are built by a CA Intermediate student and have not been reviewed by a Chartered Accountant. Not tax or legal advice.
Shivam Kushwaha • Singrauli, Madhya Pradesh, India • Contact: grievance@heyartha.com
- Live calculators
- 20 Live calculators
- CA Inter practice tests
- 473 tests CA Inter practice tests
- Tool categories
- 5 Tool categories
- Guides
- 220 Guides
- Guide categories
- 5 Guide categories
- Deterministic Tax Calculators
- 220 guides
- In-Browser Privacy
- Calculators Cite Section & Finance Act
- Schedule BP & Presumptive
- Public Methodology Proof
- No Sign-Up Needed
Behind HeyArtha
Built by one student, still learning.
Shivam Kushwaha
- CA Intermediate student
- Singrauli, Madhya Pradesh
- Idea and direction
- It began with one question: why can't tax maths just show its working?
- Your figures are calculated in your browser. Analytics and the optional feedback form are separate; see the Privacy page.
- I'm not a CA yet. Where a calculation follows a tax rule, the page names the section, so you can check me.
- Independent project: written and maintained directly without corporate or agency influence.
- Self-funded and ad-supported: There are no investors, no sponsors and no paid tier. Everything on the site is open to use at no charge, with no subscription and no sign-up, and advertising pays for it. Advertising never changes a number, a formula or a score.
- AI-assisted, human-owned, human-reviewed: AI tools do most of the building, but a person decides what exists and what does not, checks what ships, and answers for it. Shivam Kushwaha owns every figure on this site.
- If something looks wrong, please tell me and I will look into it.
“I'm an Intermediate student with an idea, and AI tools do most of the building. I decide what should exist and how it should feel. Every number shows its working, so if I got something wrong, please tell me.”
LinkedIn · Instagram · grievance@heyartha.com
Accountability
Who decides, who checks, who answers for it
AI tools do most of the building here. That is a fact, not a disclaimer, and the site says so in the founder's own words below. What matters for a reader is the other half: a named person decides what exists, checks what ships, and answers for every number published here.
- Calculators and the working behind them
Shivam Kushwaha, founder and editor
Each tool publishes the formula and the steps it follows, and the comparisons that were run are on the Test records page.
- Guides and explainers
Shivam Kushwaha, founder and editor
Each one names the statutory sections it relies on, so you can read the rule yourself rather than take the summary on trust.
- Aptivya practice tests
Shivam Kushwaha, founder and editor
Every answer shows the section it applies and the working behind it, so a student can check the law for themselves.
- Corrections
Shivam Kushwaha, founder and editor
A wrong figure is fixed and dated in the Changelog. If you find one, the Feedback page is the way to tell me.
- Professional review
No Chartered Accountant has reviewed this site
That is stated on every legal page and it stays stated until it changes. See the Disclaimer.
What it covers
How HeyArtha is built
HeyArtha has 20 live calculators in 5 categories, and 220 guides in 5 categories. Each calculator runs in your browser and shows the steps behind its result. The Methodology and Sources pages list the sections the tools follow, and the Changelog dates every release.
- Your figures Entered in the browser
- Calculation engine Runs in your browser; analytics and the optional feedback form are separate
- Result The figure you asked for
- Working notes The steps behind it
- Trust pages, where published Methodology, Sources, Changelog and Test records
The calculators
- 9 live tools Tax
Statutory Indian income tax, advance tax, presumptive tax, capital gains, and trading tax calculators.
Business Income Tax Calculator · Presumptive Tax Calculator · Advance Tax Calculator · Do I Need to Pay Advance Tax? · Missed Advance Tax Instalment · Advance Tax Deferment Interest Calculator · Property Capital Gains Preview · Trader Tax Calculator · Tax Twin
- 6 live tools Money
Financial decision calculators for cash vs loan, rent vs buy, emergency runway, and financial principles.
Cash vs Loan Calculator · Bank Reconciliation (BRS) Tool · Rent vs Buy vs Invest · Shock Test · AI Payback · Principle Check
- 2 live tools Loans
Debt and borrowing calculators for loan prepayment, true EMI costs, and financing decisions.
Loan Freedom · EMI Truth
- 2 live tools Salary
Take-home pay, CTC breakdown, regime comparison, deductions, and job offer comparisons.
In-Hand Salary Calculator · Offer Decoder
- 1 live tool Investing
Investment pitch return decoders, internal rate of return (IRR), and real wealth compounding calculators.
Pitch Decoder
The guides
- CA Talks · 114
- Traders · 42
- UPSC Talk · 41
- Founders · 22
- Emotional Health · 1
Browse them in the guides, or read the full overview on What is HeyArtha.
Practice Tests
Aptivya Examination Series
As a CA Intermediate student, I built Aptivya to provide realistic, timed case-scenario practice tests that mirror ICAI's Part I objective examination pattern: marks and timing set per paper, step-by-step statutory citations, no negative marking, and cryptographic completion certificates.
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Paper 1 · 15 Full-Paper Tests · Live
Advanced Accounting
Accounting Standards (AS 1 to 29), Consolidated Financial Statements, Schedule III Division I, Buy-back, and Amalgamation.
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Paper 2 · 15 Full-Paper Tests · Live
Corporate & Other Laws
Companies Act 2013, LLP Act 2008, General Clauses Act 1897, Interpretation of Statutes, and FEMA 1999.
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Paper 3 · 45 Full-Paper Tests · Live
Taxation (Income-tax + GST)
Available in 3 practice formats: Full Combined Paper (30m / 60m), Income-tax Section A (15m / 30m), and GST Section B (15m / 30m).
Most papers also carry a chapter-wise series: across 6 CA Intermediate subjects the platform runs 473 timed tests holding 8,840 MCQs, so a student can drill one syllabus unit at a time instead of only sitting whole papers.
⏱️ Timed exam mode · 📋 Step-by-step working · 📜 Cryptographic certificates
From the Changelog
How it grew
Dated entries from the Changelog, oldest first.
September 2026
Multi-Product Ecosystem Architecture & Presumptive Tax Simulator
September 2026
Product #2 Launch: Regular Business & Professional Tax Calculator (Schedule BP)
September 2026
Advance Tax Intelligence
October 2026
New look and daily briefs
October 2026
New calculators: Cash vs Loan, Property Capital Gains Preview and Trader Tax
October 2026
New calculator: Tax Twin
26 October 2026
Launch of 8 Personal Finance & Decision Utilities
Principles
How to check any number
Show the working
Every calculator lists the steps behind its result, so you can follow the arithmetic with your own figures.
Name the section
Where a calculation follows a tax rule, the page names the section, so you can read the rule and check me.
Keep inputs in the browser
Your figures are calculated in your browser. Analytics and the optional feedback form are separate; see the Privacy page.
Say what has not been checked
A CA Intermediate student builds this. No Chartered Accountant has reviewed it, and it is not tax or legal advice.
Four steps to check a figure
- Open the working notes on the tool and follow each step with your own figures.
- Find the section the tool names on the Sources page and read the rule itself.
- See the Methodology for the formulas and the Test records for the comparisons that were run.
- If a figure still looks wrong, tell me on the Feedback page and I will look into it.
Vision, goals, value and authenticity
Four short pages explain why HeyArtha exists (Vision), what it works toward (Goals), what a visitor receives (Value) and how to check the work (Authenticity).
Also: Editorial Standards and Font Licenses (OFL).
Where to go next
- Open a calculator
Pick a category and see the working behind each number.
- Take a practice exam
Timed CA Intermediate case-scenario MCQs with glass-box explanations.
- Read the guides
Careers, exams, trading and founder life, written plainly.
- Report a mistake
If something looks wrong, tell me and I will look into it.
Calculate with transparency.
No logins, no paywalls, no paid tier. Advertising pays for the site, and it never changes a number. Your figures are calculated in your browser. Analytics and the optional feedback form are separate; see the Privacy page.