HukhLatri

Calculators that show their working

HukhLatri is a small, independent set of tools and guides for everyday questions: what a loan really costs, how GST is worked out, whether a password is any good. Each calculator comes with a plain-language explanation of the formula and an example you can check by hand.

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Popular tools

Finance

EMI Calculator

Enter the loan amount, interest rate and tenure to see your EMI, the year-wise or month-wise repayment table, and what a monthly prepayment saves.

Finance

GST Calculator

Add GST to a base price or work backwards from a GST-inclusive price, and see the tax split for intra-state or inter-state supply.

Finance

Compound Interest and SIP Calculator

Pick SIP or lumpsum, set an assumed return, and see the year-by-year growth, including what the money might be worth after inflation.

Health

BMI Calculator

Enter height and weight to see BMI against both the WHO and the India-specific cutoffs, plus an optional waist-to-height check.

Latest guides

Writing

Why Word Counters Disagree, and How Long Your Writing Should Be

Hyphens, numbers, URLs and Hindi text can change a word count by half. See six test strings counted two ways, plus reading and speaking time worked out.

Security

Why Strong Passwords Still Get Hacked, and What Helps First

Reuse, phishing, infostealer malware, SIM swaps and OTP scams beat strong passwords every day. Here are the real causes and the fixes in order of payoff.

Security

How to Build a Password That Holds Up: Length, Entropy, 2FA

Sixteen random lowercase letters beat eight symbol-packed characters by about seven million times. The entropy maths, passphrases, managers and 2FA explained.

Finance

SIP vs Lumpsum: What the Maths Says and What It Misses

Lumpsum beats SIP on paper, yet SIP suits most salaried investors. Worked ₹ examples at 12% and 8%, step-up SIP and inflation, with the assumptions shown.

Finance

Prepay Your Home Loan or Start a SIP? The Numbers at ₹5,000 a Month

₹5,000 a month extra on an 8.75% home loan versus the same amount in a SIP, over 20 years, with the breakeven return and where the comparison breaks.

Math

Percentage Mistakes That Cost Real Money, with ₹ Examples

Why 30% plus 20% off is not 50%, why a 20% rise doesn't undo a 20% fall, and how to find the original price. Seven percentage traps, each worked out in ₹.

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