Hey everyone,

I'm a 2nd-year Computer Science student, and I built HisaabSetu over the past few weeks between classes and labs.

It started because I was trying to keep track of shared apartment expenses with roommates and figure out how education loan grace periods actually work. Then I looked at what people use once they start working or running a business—usually a mess of random online calculators, Excel sheets, and outdated software.

Even worse, when you look at loans, banks advertise a low interest rate, but once you factor in processing fees and bundled insurance, the actual rate you pay is way higher.

I wanted to build one clean tool in the browser that handles the math properly without forcing you to sign up just to run numbers.

Here is what I put into HisaabSetu:

True APR Exposer & Debt Engine: You plug in your loan details, processing fees, and insurance, and it shows your real APR. You can also compare your regular EMI against prepayment strategies to see how many months and how much interest you can shave off.
Student Workspace: Built for splitting rent, tracking education loan moratoriums, and finding verified government scholarships.
Salaried Workspace: Breaks down take-home pay, tracks EPF compounding, and helps plan out tax deductions.
Business & CA Workspaces: Tools for tracking raw material COGS, net EBITDA margins, GST provisioning, and double-entry ledger reconciliation.

I built this solo using React Native Web and Expo. Since I'm still in my second year of uni, I know there is plenty I can improve.

You can test the live dashboard directly without creating an account. Let me know if any calculations feel off, or if there is a specific tool you wish existed here. Would really appreciate your honest feedback.