About Artha Engine
Rajkumar Anguluri is the founder and engineer behind Artha Engine. He builds decision-intelligence tools for Indian personal finance and verifies every formula on this site against primary sources — the Income Tax Act, IRDAI Handbooks, RBI bulletins, and SEBI regulations — before it ships. The site's value comes from engineering rigour applied to public regulatory data, not financial advice.
How the numbers stay honest
Every calculator on Artha Engine is grounded in primary sources. Nothing ships without being checked against authoritative regulator data and locked with automated tests.
- Engineer building production financial-calculation systems with public regulatory anchors
- Every formula verified against primary regulatory sources before publication
- Source-anchored fixture tests lock data extracted from IRDAI / RBI / Income-tax filings
- All code open to public scrutiny via the linked GitHub profile
What this site covers well
Artha Engine deliberately focuses on a narrow set of Indian personal-finance decisions so it can go deeper than a generalist site.
- Indian income tax math (old vs new regime, §80C/D, §10(10D))
- EMI, amortization, and home-loan affordability math
- Insurance adequacy modeling (term, health, critical illness)
- Decision-intelligence tooling and verdict-state machines
How content is reviewed
Every tool, hub, comparison, and article on the site is published with a "Reviewed by" signature and a last-updated date. When tax slabs change, lender rates reset, or insurance regulations are revised, the review date is bumped and the underlying math is re-verified before the change is pushed.
1. Primary source
Every formula cites an Act, regulator notification, or budget speech — not another calculator site.
2. Unit test
Every engine ships with golden-file tests — formulas, adapters, insight rules, and the shared profile store all run on every deploy.
3. Human review
The named author compares outputs against real-world examples before the tool goes live.
Reach the team
Separate inboxes route the right issue to the right owner.