Why we built this
The honest version: we were tired of the finance calculators that dominate Google. Half were wrong for the current tax year. Half were paywalled behind an email capture that led to three months of sales calls. Most were so ad-heavy that the calculator itself took 12 seconds to load on mobile. And somehow, none of them explained what the result actually meant in plain English.
So in early 2025 we started building Vitthub on weekends. The rule was simple: free, fast, no email, no upsells, and the math has to match the primary source — the tax department, the central bank, the pension authority — to the last rupee / dollar / euro / yen.
We launched the India calculators in January 2025 with 40 tools. By April 2026 we cover 202 calculators across 12 countries, hundreds of thousands of lines of TypeScript, and a growing library of plain-English explainers that refuse to use the word "leverage" where "borrow" will do.
What we offer
12 countries — India, USA, UK, Australia, Canada, Singapore, UAE, New Zealand, Ireland, Germany, South Africa, and Japan — across loans, investments, tax, savings, insurance, retirement, and goal planning. Every tax calculator carries a "Last reviewed" date and a tax-year label so you always know which bands are in force on the page you're looking at.
Beyond the calculators, we publish a glossary (150+ finance terms written as if explaining them to a smart teenager), a weekly Pulse of rate-change and policy news by country, and long-form guides on the topics we keep getting emails about — CIBIL scores, SIP vs lump-sum, NPS vs PPF vs EPF, RRSP vs TFSA, the endless debates.
The team
We're a small remote team of four — two writers, one reviewer with a direct-tax background, and one engineer. We work across New York, NY and India, mostly async, mostly on weekends. We don't use individual bylines yet because we review each other's work end-to-end and most posts have been touched by at least two of us by the time they ship.
Vitthub TeamEditorial & engineering · based in New York, NY + India
How we work
- Every formula comes from the primary source. The Income Tax Act, the IRS revenue procedures, HMRC's technical manuals, the Bundesfinanzministerium's §32a EStG table. We don't reverse-engineer from competitor calculators — we've found too many off-by-one errors that way.
- We publish less than we could, so what we publish is right. Two of us read every piece before it ships. We sit on half-written articles rather than publish something we don't fully trust. This is why the blog cadence is ~1–2/week, not 10.
- Weekly monitoring. Monday mornings we walk through every primary source for every country, looking for rate changes, budget announcements, and table updates. Changes land in the calculator within 48 hours.
- Plain-English over jargon. If a sentence uses "MCLR", "CAGR", or "§32a EStG" without a 5-word explanation nearby, we've failed. The goal is that a smart teenager reading their first finance article gets it on the first read.
- No tracking inside the calculators. The calculations happen entirely in your browser. Your salary, loan amount, or retirement balance never leaves the device.
Our sources
Per-country primary sources — canonical, always linked on the relevant calculator:
- 🇮🇳 India — Income Tax Department, RBI, EPFO, PFRDA, SEBI
- 🇺🇸 USA — IRS, Social Security Administration, Federal Reserve, FHFA
- 🇬🇧 UK — HMRC, DWP, Bank of England, FCA
- 🇦🇺 Australia — ATO, ASIC, RBA, APRA
- 🇨🇦 Canada — CRA, OSFI, Bank of Canada, Statistics Canada
- 🇸🇬 Singapore — IRAS, CPF Board, MAS
- 🇦🇪 UAE — FTA, CBUAE, MOF, MOHRE
- 🇳🇿 New Zealand — IRD, RBNZ, ACC
- 🇮🇪 Ireland — Revenue, Central Bank of Ireland, Pensions Authority
- 🇩🇪 Germany — Bundesfinanzministerium, Bundesbank, Deutsche Rentenversicherung, GKV-Spitzenverband
- 🇿🇦 South Africa — SARS, SARB, FSCA, National Treasury
- 🇯🇵 Japan — NTA, BoJ, MHLW, MoF
How we make money (honestly)
Right now we don't make any money. The site runs at a loss — hosting + domain + our weekends. We're planning to add Google AdSense display ads once we qualify, and that's it. No affiliate links, no "sponsored content", no lead-gen deals with banks or brokers. If we ever do a paid placement, it will be labelled as clearly as the ad unit above this paragraph.
Our rule: the calculator logic, rate data, and editorial content are never influenced by revenue considerations. If a bank we've promoted hikes rates, we update the page the next Monday — even if it makes them look worse.
When we're wrong
We will be wrong sometimes. Tax slabs, interest rates, and social-contribution ceilings change on government timelines that don't always respect our schedule. When a reader flags an error, here's what happens:
- We confirm against the primary source (takes 10–30 minutes).
- We fix the calculator or article within 72 hours of confirmation.
- We log the correction publicly at /corrections — what was wrong, when, and what's there now.
- If the error affected a specific calculation (e.g. you paid more tax than needed), we credit the reader who found it in the log.
Last site-wide review: Apr 2026. If you spot something off, email help@vitthub.com.
Your data
We don't want your data. The calculations run entirely in your browser — no inputs ever touch our servers. We use privacy-respecting aggregate analytics (page views, country, device) so we know which calculators to improve, but we do not build individual profiles and we do not sell anything to anyone. Read the full privacy policy for the specifics.