Byaj Guru: EMI & Udhaar

Byaj Guru is a byaj (interest) calculator, EMI calculator and udhaar khata in one simple app. Calculate loans, savings, tax and everyday money in English or Hindi – no internet, no sign-up.
✨ JUST TYPE IT Type the way you speak – “50 hazaar 2 sekda 8 mahine” or “10 lakh loan 9% 20 saal” – and get the answer instantly. Works in English, Hinglish and Hindi.
📒 UDHAAR KHATA (MONEY LENDING LEDGER) • Record money you gave or took, with or without interest • Interest at “₹2 per ₹100 per month” (sekda) or % per year, added daily • Part payments, due dates, overdue alerts and monthly reminders • Share the balance on WhatsApp as a clear text message • Home-screen widget shows what you will get and pay
💰 BYAJ & LOAN CALCULATORS • Simple interest and compound interest calculator with doubling time • EMI calculator for home loan, car loan and personal loan, with chart and full schedule • Loan comparison, loan prepayment and “how much loan can I get” • Prepay loan or invest? Rent or buy a home? Clear answers with numbers
📈 SAVINGS & INVESTMENT • SIP, step-up SIP, lumpsum, goal SIP, SWP and ELSS calculator • FD calculator, RD calculator and CAGR • Retirement planner and NPS pension estimate • FD vs debt fund after tax
🏤 POST OFFICE & SMALL SAVINGS PPF, NSC, KVP, Sukanya Samriddhi (SSY), Senior Citizen Savings (SCSS), Monthly Income Scheme (MIS) and Post Office Time Deposit. Rates are editable, so you can always use the latest rate.
🧾 TAX, SALARY & BUSINESS • Income tax calculator: old vs new regime • CTC to in-hand salary with PF, gratuity and professional tax • GST calculator (add or remove GST), profit, margin and discount
🪙 GOLD & DAILY TOOLS • Gold jewellery price with making charges, 3% GST and old-gold exchange (grams or tola) • Amount in words for cheques, in English and Hindi • Age calculator, date difference and working days • Unit converter: length, weight, area, volume, temperature, speed, data • Split bill, percentage, cheaper-pack comparison and BMI
🛡️ INSURANCE & MONEY HEALTH • Life cover needed, endowment maturity with real return, monthly vs yearly premium • Money health score with simple steps to improve
🎓 STUDENT ZONE Scientific calculator and maths & science solutions with step-by-step working, plus a writing pad.
📤 SAVE & SHARE Save plans, compare scenarios, set monthly reminders and share results as text, image or PDF with your name and phone – useful for agents and advisors.
🔒 PRIVATE BY DESIGN Your data stays on your phone in secure storage. No account, no ads, nothing is uploaded. Back up and restore with a file you control.
Note: Byaj Guru gives estimates for planning and learning. It is not linked to any bank, insurer, post office or government body. Interest and tax rules change – please confirm rates before you decide.

Recent changes:
Naya naam, naya look - Byaj Guru!
- Bas likho "50 hazaar 2 sekda 8 mahine", turant jawab
- Hindi + English, poora offline