About BullTimes
BullTimes builds free tools for Indian retail investors: financial calculators, an income-tax engine, an insurance-policy analysis lab and a financial planner, with courses, articles and a community forum around them.
Why it exists
Most money decisions come down to arithmetic that is easy to get subtly wrong: which tax regime is cheaper once the rebate and surcharge are applied, what a traditional insurance policy actually returns, whether five separately reasonable goals add up to more than an income can carry.
The tools here do that arithmetic in the open. They are free, need no account, and say where each figure comes from.
The rules we hold ourselves to
Show the working
The formulas, conventions and sources behind the calculators are published on the methodology page, so any result can be checked by hand.
Cite every statutory figure
Tax slabs, caps and thresholds live in one engine, each traced to the Finance Act or the Income-tax Act it comes from, with the date it was last checked shown next to the result.
Say what has been checked
Every Insurance Lab policy page says whether our engine reproduces the insurer's own brochure illustration to the rupee, and warns you plainly when it does not yet. How the Insurance Lab works.
Recommend nothing
We describe what the numbers are. We do not rank products, tell you what to buy or sell, or take commission from any insurer, fund house or broker.
What BullTimes is not
BullTimes is educational. It does not give investment, tax or insurance advice, does not sell or broker any financial product, and nothing on the site is a recommendation to buy, sell or hold any security or policy. For advice on your own situation, speak to a SEBI-registered investment adviser or a qualified tax professional.