About SoftQuill Labs
An independent software studio in Bengaluru. We build calm, offline-first apps for Android and the web, publish the research behind them as free guides, and take on client projects.
Raman Patel
Enterprise software engineer who builds large distributed systems, native Android apps and web apps. He writes every guide on this site and checks each number against a month-by-month amortization model.
I am not a registered investment adviser or a certified financial planner. The money guides are written by an engineer who models loans and cards month by month, cites RBI, NHB and lender sources, and prints every assumption so you can check the numbers yourself. They are educational, not personal financial advice.
I started SoftQuill Labs to build the software I wanted to use myself: tools that work without an account, never collect your contacts or browsing history, and do their math on your device.
Editorial policy
- Every table comes from a month-by-month model.
- Assumptions are printed under each table.
- Indian credit card examples include the 18% GST on interest.
- We cite RBI, NHB, lender and Panchang sources.
Corrections & updates
Found a mistake? Email us and we'll fix it, usually within 48 hours. Every change is noted at the bottom of the guide with the date.
Report a correctionHow we make money
Google AdSense ads on this website, AdMob banners in free app versions, Pro upgrades and client projects. We never sell data or accept paid placements in guides.
Offline-first
If it can run on your device, it shouldn't need a server.
Private by design
We never sell your data or keep your personal records on our servers.
Math you can verify
The same inputs always give the same, checkable results.
Built to last
No forced accounts or fragile APIs, so apps keep working for years.