Guides that make the useful stuff make sense.
Plain English on money, tax and running a small business in India. This is the thinking behind the free tools, without the jargon. Every post is written by me, and every number in it is one I have checked.
How GST is actually calculated, with real examples
Add it, remove it, split it into CGST and SGST. GST in plain numbers at the current 2026 rates.
6 min read Money · GuideWhat your loan really costs (EMI, explained)
Why a longer tenure feels cheaper but costs more, and how to see the real number before you sign.
5 min read Money · GuideHow EMI is calculated, step by step
The reducing balance formula every Indian bank uses, worked through with real figures.
5 min read Tax · GuideIncome tax for freelancers in India
Presumptive taxation, what you can actually claim, and the deadlines that catch people out.
7 min read Tax · GuideWhat a valid GST invoice must contain
Miss one field and your buyer loses their input credit. Here is the full list.
5 min read Money · GuideSIP or FD for business savings
Predictability against growth, and the one question that actually decides it.
6 min read BusinessDo you need custom software, or will a spreadsheet do?
An honest test for when a spreadsheet is fine, and the moment it quietly starts costing you money.
6 min read Tools7 free tools every Indian small business should bookmark
From GST and invoices to QR codes, the free web tools that quietly save you hours every week.
5 min readWhat this blog is for
Most writing about money in India is either an advertisement for a product or a wall of legal text nobody finishes. I try to sit in between. One question per post, answered with real numbers, in language you would use out loud.
The posts and the free tools go together. If a post explains how EMI works, the calculator that does the arithmetic is one click away, and the calculator links back to the explanation. That is the whole idea.
Found a mistake? Tell me at hello@khanjankavani.com and I will correct the article itself rather than bury it in a footnote.
A necessary note. These are general guides, not professional advice. I am not a chartered accountant or a registered adviser, and tax rules in India change often. Check anything important against the current rules or a qualified professional. The full statement is on the disclaimer page.