Vision: Why HeyArtha Exists

Principle

Understanding over black boxes

A calculator that gives only a final figure leaves the reader unable to check it. HeyArtha was founded on a different principle: give the user real value first. Its tools show the working behind each result, including the inputs and the steps, and the tax tools state the law they apply on their Methodology pages. When you see each intermediate step, you can follow how the numbers connect rather than relying on an unexplained total.

In practice a result is never alone on the page. A tool shows the figure you asked for, the steps under it, and a link to the Methodology page that sets out the order of calculation. Where a tool applies a statute, the Sources page lists the sections, so a claim can be read against the Act instead of taken on trust. The Authenticity page walks through how to check any number yourself.

The person

The question it began with

HeyArtha began with one question: why can't tax maths just show its working? Its founder, Shivam Kushwaha, is a CA Intermediate student from Singrauli in Madhya Pradesh. He decides what should exist and how it should feel, and he says plainly that AI tools do most of the building. He also owns the result of that: he checks what ships, answers for every figure on the site, and is the one person a reader can hold to it. He is not a Chartered Accountant yet, so wherever a calculation follows a tax rule the page names the section, and a reader can check it. The About page tells the rest of the story.

Independence

Independent and self-funded

HeyArtha is solo-built, independent and self-funded by Shivam Kushwaha, a CA Intermediate student from Madhya Pradesh. 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 tools do most of the building here, and the site says so plainly. What it says just as plainly is who answers for it: Shivam Kushwaha decides what exists, checks what ships, and owns every figure published here. As the About page puts it, HeyArtha is an independent project, written and maintained directly without corporate or agency influence.

Privacy

Private by design

Financial data belongs to the user. Calculators run in the browser. Analytics and the optional feedback form are separate; see the Privacy page. Core utilities do not require sign-up or profile creation, allowing visitors to explore calculations privately on their own hardware. The About page says there are no logins and no paywalls.

The same care applies when you write to us. The feedback form sends only what you type and choose to submit, and some tools let you attach optional details, so telling us about a mistake does not mean sharing your figures unless you choose to.

Calculated in your browser.

Track record

How it grew

Every date below comes from an entry in the public Changelog, which lists dated releases and fixes.

1. September 2026

   A multi-product site and the Presumptive Tax Simulator

   The site was organised into Tools, Intelligence, Career and Library sections, and the Section 44AD and 44ADA Presumptive Tax Simulator launched.

2. September 2026

   Business and Professional Tax, then Advance Tax

   The Schedule BP calculator became product number two, with its own Methodology and Sources pages. The Advance Tax Calculator followed with three companion pages.

3. October 2026

   Methodology, sources and a way to report mistakes

   Methodology and Sources pages were published for six calculators, and tool pages gained a Report something wrong button.

4. October 2026

   Salary, Tax Twin and bank reconciliation

   The In-Hand Salary Calculator, Tax Twin and the Bank Reconciliation tool were added, along with a public review form for chartered accountants.

5. 26 October 2026

   Eight more utilities and five category hubs

   Eight money, loan, salary and investing utilities launched, and each tool family got its own hub page.

Direction

Where it is heading

HeyArtha's tools today are in five categories: Tax, Money, Loans, Salary and Investing. Beyond calculators, HeyArtha includes Aptivya, an examination practice suite for CA Intermediate candidates with timed case-scenario MCQs, detailed statutory citations, and signed completion certificates. New tools and papers are listed in the Changelog when they launch. The What is Artha overview, Methodology, Sources, Test records and About page describe what exists today, and a tool whose Methodology page or test record is not ready is marked as in preparation. The Feedback page says every note sent through it is read.

• 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

Review status

General information notice

Not reviewed by a Chartered Accountant. Not legal or tax advice. Tax tools implement Indian law at present.

Where to go next

• Goals

  The principles and milestones the work is measured against.

• Value

  What a visitor actually receives from the tools and guides.

• Authenticity

  How to check any number and what we do not claim.