What is HeyArtha (heyartha.com)?

HeyArtha is a free finance hub: calculators, guides and explainers across tax, trading and personal finance, with the working shown behind every number. It is solo-built by Shivam Kushwaha (a CA Intermediate student). Tax is the first category, and it is engineered to solve a common frustration: tax calculations are often obscured by bloated lead-generation forms, opaque software, and confusing legal jargon.

HeyArtha unifies in-browser deterministic calculation engines, guides, open methodology, and transparent governance into a single, cohesive platform.

The name Artha originates from the ancient Sanskrit term representing material purpose, wealth, and meaningful prosperity — one of the four foundational aims of life in the Purushartha framework. At HeyArtha, we interpret Artha as practical clarity: empowering taxpayers, freelancers, professionals, and students to calculate accurately, see the math step-by-step, and understand the statutory sections behind every number.

Live at heyartha.com, HeyArtha has no paywalls and requires no sign-up for its core utilities.

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The HeyArtha 4-Pillar Platform Structure

HeyArtha is structured across four cohesive pillars matching the platform navigation:

┌─────────────────────────────────────────────────────────┐
│                        1. TOOLS                         │
│  • Regular Tax (Schedule BP) • Presumptive (44AD/44ADA) │
│  • Advance Tax & Section 234C Suite • Capital Gains     │
└────────────────────────────┬────────────────────────────┘
                             │
     ┌───────────────────────┴───────────────────────┐
     ▼                                               ▼
┌─────────────────────────┐             ┌─────────────────────────┐
│        2. GUIDES        │             │     3. METHODOLOGY      │
│  • 240+ Guides          │             │  • Mathematical Proofs  │
│  • Regulatory Signals   │             │  • Statutory Sources    │
│  • Career Roadmaps      │             │  • Versioned Changelog  │
└─────────────────────────┘             └─────────────────────────┘
                             │
                             ▼
┌─────────────────────────────────────────────────────────┐
│                        4. ABOUT                         │
│  • Author Background & Mission • Editorial Standards    │
│  • In-Browser Privacy Disclosures • Support & Contact   │
└─────────────────────────────────────────────────────────┘

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1. Pillar 1: Tools & Calculation Engines

At the core of HeyArtha are deterministic, client-side calculation engines based directly on statutory provisions. Every tool executes directly in your browser's local memory (RAM) — your inputs stay in your browser and are not sent to our servers.

Live Tax & Financial Utilities

Applies to: India. The calculators below implement the Income-tax Act, 1961 and the Income-tax Act, 2025, as amended by the Finance Acts.

• Old vs New Tax Regime Calculator: Side-by-side comparative analysis of tax liabilities under Section 115BAC (New Regime) versus Old Slabs. Features commercial-to-taxable P&L reconciliation (Schedule BP), 5-block WDV tax depreciation, Section 87A rebate computation, and printable computation summaries.
• Section 44AD & 44ADA Presumptive Tax Calculator: Computes deemed 50% profits for professionals (Section 44ADA) and 6%/8% profits for small businesses (Section 44AD). Evaluates the ₹75 Lakh / ₹3 Crore turnover limits subject to the 5% cash receipt condition, assesses Section 44AB tax audit limits, and outlines the single March 15 advance tax deadline.
• Advance Tax & Section 234C Intelligence Suite: Full 4-quarter compliance roadmap (15% June, 45% September, 75% December, 100% March). Calculates Section 234C deferment interest at 1% per month using Rule 119A rounding and checks safe-harbour rules.
• Advance Tax Eligibility Checker: Diagnostic verifying if estimated net tax liability after TDS/TCS exceeds the statutory ₹10,000 threshold under Section 208.
• Missed Advance Tax Instalment Diagnostic: Details shortfall progression and catch-up requirements for missed quarterly instalments.
• Section 234C Deferment Interest Calculator: Mathematical breakdown of deferment interest formulas, quarterly shortfall percentages, and Rule 119A rounding rules.
• Capital Gains Calculator: Compares 20% with indexation against 12.5% flat tax on property, and Section 112A grandfathering for listed equity with ₹1.25 Lakh annual exemption.
• F&O Turnover & Tax Audit Validator: Compute derivative trading turnover per the ICAI Guidance Note (absolute sum of profits & losses) and check whether a Section 44AB tax audit threshold is triggered.
• In-Hand Salary Calculator: Deconstruct annual CTC into monthly take-home salary, evaluate standard deduction, and compare Old and New regime outcomes.

Explore the complete utility suite at the HeyArtha Tools Catalog.

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2. Pillar 2: Guides

HeyArtha also publishes 240+ pre-rendered guides. They cover CA careers, exam preparation, trading, founder life and emotional health. They are published by HeyArtha and are general information. The statutory references for the calculators are on the methodology and sources pages, not in the guides.

Guide categories

• CA Talks (about 100): CA exam preparation, articleship and career decisions.
• UPSC Talk (41): Civil services preparation and the exam journey.
• Traders (37): Trading psychology and the practical side of trading, including a few tax-related pieces.
• Emotional Health (37): Stress, loneliness and pressure in student and early-career life.
• Founders (22): Notes on starting and running a business.
• Other (5): Conversation and reflection pieces.

Browse the complete library at HeyArtha Knowledge Hub.

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3. Pillar 3: Methodology & Public Proof

HeyArtha believes that financial software must show its work. Every calculation on our platform is backed by our Trust framework:

1. Glass-Box Calculation Methodology: Detailed mathematical derivations, algorithmic workflows, and Rule 119A interest rounding specifications for both Regular Tax Methodology and Presumptive Tax Methodology.
2. Statutory Legal Sources: Section-by-section citations to the Income-tax Act, 1961, the Income-tax Act, 2025, and Finance Acts for Regular Tax Sources and Presumptive Tax Sources.
3. Editorial Standards & Charter: Our editorial charter governing primary sourcing and error correction. Content is published by HeyArtha and has not been reviewed by a Chartered Accountant.
4. Calculation Changelog & Version History: A transparent, versioned changelog tracking engine updates, statutory tax slab adjustments, and bug fixes.

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4. Pillar 4: About & Platform Integrity

HeyArtha is solo-built by Shivam Kushwaha, a CA Intermediate student from Madhya Pradesh, India.

• Independent Authorship: Built independently to provide open, accessible calculators without advertising clutter or lead-generation walls.
• Inputs Stay In Your Browser: Calculator numbers and financial inputs are processed locally in your browser memory and are not sent to our servers. Saved scenarios are stored on your device only.
• No Mandatory Sign-ups: Core calculators, guides, methodologies, and public feeds require no account creation or login.
• Not Professional Advice: Content and calculations are for educational and mathematical modeling purposes and have not been reviewed by a Chartered Accountant.

Learn more on the About HeyArtha page.