Are all CalculHub calculators completely free to use?

Yes — every calculator on CalculHub is 100% free with no hidden charges, no premium tiers, no paywall, and no account creation required. All tools are accessible directly from your browser on any device at any time.

Does CalculHub store or share my personal data?

No. All calculations run entirely inside your browser using JavaScript. No inputs you enter are ever sent to a server, stored in a database, or shared with any third party. CalculHub is privacy-first by architecture — your financial figures, health metrics, and personal inputs never leave your device.

How accurate are the financial calculators?

CalculHub's financial calculators use standard formulas prescribed by RBI and SEBI guidelines — the same formulas used by banks, NBFCs, and financial institutions. Results are accurate for planning and estimation purposes. For binding financial, legal, or tax advice, always consult a certified financial planner (CFP) or chartered accountant (CA).

Which BMI and TDEE formulas does CalculHub use?

The BMI calculator uses the WHO standard formula: weight (kg) divided by height squared (m squared). The calorie and TDEE calculator uses the Mifflin-St Jeor equation, the most accurate formula recommended by clinical dietitians for estimating Basal Metabolic Rate. The ideal weight calculator uses four clinical formulas — Robinson (1983), Miller (1983), Devine (1974), and Hamwi — displayed together for a comprehensive range.

Can I use CalculHub on my mobile phone?

Absolutely. CalculHub is fully responsive and optimised for all screen sizes including smartphones, tablets, laptops, and desktops. No app download is needed — simply visit CalculHub in your mobile browser and all tools work natively, even on slower internet connections.

How often are currency and gold/silver rates updated?

Live rates on the currency converter and gold/silver calculator are fetched in real time from market data APIs each time you open or reload the calculator, ensuring you always work with current mid-market rates rather than stale cached values.

Which tax regimes does the income tax calculator support?

The income tax calculator supports both the Old Tax Regime (with deductions under 80C, 80D, HRA, standard deduction, and others) and the New Tax Regime introduced in the Union Budget, allowing you to compare your tax liability under both side by side.

Is there a difference between the SIP calculator and the mutual fund returns calculator?

Yes. The SIP calculator projects the future value of ongoing monthly investments you plan to make — ideal for goal planning. The mutual fund returns calculator evaluates the performance of investments you have already made, computing absolute returns or annualised XIRR based on actual investment amounts and current values.

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Finance#FD#Mutual Funds#Savings#Finance

Fixed Deposit vs Mutual Funds: Safe Returns vs Wealth Growth

Finance TeamPortfolio Manager

June 05, 2026•6 min read• 0 views

Coins stacked in jars, showing conservative saving vs active investing.

Where should you stash your savings? Fixed Deposits provide absolute security, while Mutual Funds offer stock and bond market yields. Understanding how both assets behave is key to optimizing your portfolio.

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