Tools
Free calculators and validators, grouped by category.
TDS Calculators
4Section 194N Cash Withdrawal TDS Calculator
Section 194N Cash Withdrawal TDS Calculator helps estimate TDS on large cash withdrawals for Tax Year 2026–27. Check the applicable Section 393(3) threshold, 2% TDS rate, ₹1 crore or ₹3 crore limit, and specified exceptions.
194B 194BA TDS Calculator – 2026
Calculate TDS on lottery and online gaming winnings using Section 194B, 194BA and current FY 2026-27 rules.
194DA TDS Calculator: Life Insurance 2026
The 194DA TDS Calculator estimates TDS on taxable life insurance payouts for resident recipients. Calculate the income component, applicable 2% TDS and estimated amount received after TDS using the current rules for 2026.
EPF TDS Calculator
The EPF TDS Calculator helps you instantly check how much tax will be deducted at source on your EPF withdrawal before completing 5 years of service. Just enter your withdrawal amount, years of continuous service, and PAN status to get your exact TDS rate, TDS amount, and net payout — calculated as per Section 392(7) of the Income-tax Act, 2025.
Income Tax Calculators
82Section 194O E-commerce TDS Calculator
Section 194O E-commerce TDS Calculator helps online sellers, service providers, CAs and finance teams calculate e-commerce TDS for 2026-27. Calculate 0.1% TDS on qualifying gross e-commerce sales or services under current Section 393 rules and check the ₹5 lakh individual/HUF no-deduction condition.
NRI ULIP Maturity Tax Calculator 2026
NRI ULIP Maturity Tax Calculator 2026 estimates Indian tax on ULIP and life insurance maturity or taxable receipts. It checks applicable premium, sum-assured and exemption conditions before calculating taxable gains, LTCG, cess and estimated tax.
LTA Exemption Calculator
LTA Exemption Calculator helps calculate the eligible Leave Travel Allowance exemption for qualifying domestic travel under Rule 278. Enter your LTA amount, eligible travel expenditure, fare ceiling, travel details and tax regime to estimate the exempt amount.
PF Withdrawal TDS Calculator (Section 192A) 2026
Instantly calculate TDS on your premature EPF/PF withdrawal under Section 192A (now Section 392(7) of the Income-tax Act, 2025). Enter your withdrawal amount, years of service, PAN status, and Form 15G/15H status to get your exact TDS rate, TDS amount, and net payout — built for employees, HR/payroll teams, and CAs.
Form 41 Form 10F checker
Instantly find out whether you need Form 41, a Tax Residency Certificate, or Form 10FA to claim DTAA tax relief in India — no PAN needed for most cases.
Section 195 NRI TDS Calculator
Calculate TDS on general taxable payments to NRIs with the Section 195 NRI TDS Calculator. Estimate base TDS, applicable surcharge, 4% Health & Education Cess, DTAA relief and net payment under the 2026 Section 393(2) framework.
Personal Finance Tools
5Inflation-Adjusted Return Calculator India
Calculate your inflation-adjusted return in India and see your real rate of return after inflation. Compare nominal CAGR with real CAGR, estimate today's purchasing power, and understand how inflation affects your investment value over time.
ESIC Salary Calculator
Instantly calculate your ESIC contribution — employee share, employer share, and total deduction — based on your gross salary, employee category, and working days, as per the ESI Act, 1948.
Prepayment Outcome Side-by-Side Simulator
The Prepayment Outcome Side-by-Side Simulator compares reduce-EMI and reduce-tenure outcomes on your loan prepayment in one screen — new EMI, new tenure, and exact interest saved, aligned with RBI's 2025 prepayment charge rules.
Gratuity Calculator New Labour Codes: 50% Wage-Rule Payout
Gratuity calculator applying the new Labour Codes' 50% wage-rule to your CTC. Enter Basic, DA, and CTC to get an accurate payout — not the old 1972-only estimate.
Loan Prepayment vs Investment Calculator
A calculator comparing loan prepayment against investing a lump sum in India, factoring in RBI's 2025 prepayment-charge rules and the home loan interest deduction (Section 24(b) / Section 22(2)) you may lose by prepaying early.
Salary & Payroll Calculators
248th Pay Commission Salary Calculator 2026
Calculate your estimated revised basic pay under the 8th Pay Commission using a fitment factor of your choice.
Salary Slip Generator
Free Salary Slip Generator to calculate gross salary, PF, ESI, and net take-home pay for Indian employees — instantly, accurately, and compliant with EPFO and ESIC rules. Enter your basic pay and allowances to get a complete earnings-vs-deductions breakup, switch between statutory and actual PF basis, and see your real in-hand salary in seconds. No signup, no Excel — just your exact payslip numbers.
Notice Period Buyout & PILON Calculator India FY 2025-26
A complete Notice Period Buyout & PILON Calculator for India covering Gross vs Basic salary basis, ÷30 vs ÷26 divisor methods, F&F settlement, gratuity, the Nandinho Rebello tax ruling, and CBIC's GST clarification — with a free letter generator.
NPS Calculator for 1 Lakh Pension per Month
This NPS calculator for 1 lakh pension per month works backward from your target pension to show the exact NPS corpus, annuity, and lump sum required.
Fitment Factor Calculator
Use the official fitment factor calculator to convert 7th CPC basic pay into revised basic pay using the government-notified 2.57 multiplier (2.67 for Level 13/13A). Includes pay matrix lookup, worked example, and DoE Resolution reference.
7th CPC Salary Calculator 2026
Free CPC Salary Calculator for central government employees, defence, railway and postal staff. Enter your 6th CPC basic pay, city class, and pay level to instantly get your revised basic pay, DA (60%), HRA, TA and net salary — using the official 2.57 fitment factor and current Finance Ministry rates.
MSME Tools
5Udyam Registration Error Checker
Check your Udyam application for Aadhaar, PAN, GSTIN and turnover errors before you submit. Free MSME classification tool based on the MSMED Act, 2006.
CGTMSE Calculator: Coverage and Fee Estimator for MSME Loans
Calculate CGTMSE guarantee coverage, guarantee amount and Annual Guarantee Fee (AGF) instantly using the latest CGTMSE 2026 guidelines. Free calculator for MSME collateral-free business loans with accurate coverage estimates.
MSME Registration Eligibility Calculator
Free tool to check MSME registration eligibility under Udyam. Enter your investment and turnover to instantly see your Micro, Small, or Medium category.
PMEGP subsidy calculator
Calculate your PMEGP subsidy, own contribution, and bank loan split in one step, then check CGTMSE guarantee cover and Annual Guarantee Fee on the same loan — plus an instant disqualifier check, based on KVIC's December 2023 guidelines and the CGTMSE CGS-I fee structure effective April 2025.
Mudra Loan Eligibility Checker(2026) (Check PMMY in Seconds)
Check your Mudra loan eligibility instantly. Covers Shishu, Kishor, Tarun & Tarun Plus (up to ₹20L), documents, interest rates, and EMI. Free, no login.
Finance Calculators
8LTCG Tax Calculator India FY 2025-26 — Shares & Funds
Free LTCG tax calculator for India FY 2025-26. Calculate long-term capital gains on shares, property & mutual funds with indexation. Section 112 & 112A. Accurate, no login needed.
ESIC Eligibility Checker India — Free Instant Check
Free ESIC eligibility checker India. Check salary limit (₹21,000 / ₹25,000 PwD), employer threshold & sector rules instantly. Know your ESI scheme coverage in seconds.
Dividend Tax Calculator India FY 2025-26 — Free Tool
Free instant dividend income tax calculator for India FY 2025-26. Stocks, mutual funds, TDS & Section 87A rebate. Accurate, no login. Calculate now!
Salary Increment Calculator India FY 2025-26
Free Annual Salary Increment Calculator for FY 2025-26 (AY 2026-27) that shows what your hike is actually worth after tax — not just the headline percentage. Enter your old and new monthly salary to instantly see your increment amount, tax owed under both the New and Old Tax Regime, and your real net take-home increase. Built separately for Resident Indians (RI) and NRIs, the calculator applies the correct slab structure, Section 87A rebate, surcharge, and 4% cess for each. It also breaks down your CTC into Basic, HRA, DA, Medical, and Bonus, and projects your salary and cumulative tax over the next 5 years assuming a 5% annual increment. All calculations run client-side in your browser — nothing is stored or transmitted. Use this before a performance review, offer negotiation, or job switch, and confirm final numbers with a Chartered Accountant before filing.
Salary Tax Calculator India FY 2025–26 Check Tax & Save
Free instant salary tax calculator for India FY 2025-26. ₹75,000 standard deduction, new regime slabs, surcharge & cess. Accurate, no login. Calculate now!
MICR Code Decoder India — Free Instant Bank Lookup
Free MICR code decoder for India. Instantly decode any 9-digit MICR code to find bank name, branch & city. Understand MICR vs IFSC. Works on cheques. No login required.
Retirement
1GST Calculators
5GSTIN Validator: Verify GST Number Format
GSTIN Validator is a free online tool that checks whether a Goods and Services Tax Identification Number is structurally valid — verifying the 15-character format, embedded PAN, state code, and mod-36 checksum instantly in your browser. Built for accountants, freelancers, and business owners who need to catch typos and fake GSTINs before an invoice, vendor onboarding, or ITC claim goes wrong.
RCM Applicability Checker (GST) — Section 9(3)/9(4)
Instantly check if GST reverse charge (RCM) applies under Section 9(3) or 9(4) of the CGST Act — get the verdict with the exact notification reference.
GST Registration Trigger Checker
Check if you must register for GST — instantly compares your turnover against ₹40L/₹20L/₹10L thresholds and flags Section 24 compulsory triggers like e-commerce sales.
freelancer income tax and GST calculator
A free online tool for Indian freelancers and specified professionals to calculate three things at once: Section 44ADA presumptive taxable income, slab-wise income tax for FY 2026-27 (AY 2027-28) under the old or new regime, and whether GST registration is mandatory based on the ₹20 lakh (₹10 lakh special category) threshold. Covers the enhanced ₹75 lakh 44ADA limit for freelancers with 95%+ digital receipts, Section 87A rebate, and 4% Health & Education Cess.
GST Late Fee Calculator — Section 47 CGST Act
An online calculator to compute GST late fees for delayed GSTR-3B and GSTR-1 filings under Section 47 of the CGST Act, 2017. Covers regular and Nil returns, turnover-based fee caps, CGST/SGST split, and optional Section 50 interest on delayed tax payment.
Education Tools
8CGPA to Percentage Calculator
A free calculator that converts CGPA to percentage using the correct university-specific multiplier for SPPU, Mumbai University, VTU, GTU, MAKAUT, and CBSE, with a manual formula guide and university-wise breakdown.
CBSE Marks to Grade Converter 2026
A free, instant CBSE marks to grade converter built on the official CBSE 9-point grading scale. Enter marks and maximum marks to get your percentage, grade (A1–E), grade point, CGPA estimate, and pass/fail status for Class 10 and Class 12 — updated for the 2026 CBSE pattern, works entirely in the browser with no login.
Attendance Percentage Calculator
This attendance percentage calculator lets Indian college and university students check the 75% attendance rule instantly. Enter classes attended and conducted per subject to see current percentage, safe bunk count, and exact recovery plan — free, private, no signup.
CGPA to Percentage Calculator Mumbai University
Free CGPA to percentage calculator for Mumbai University students under the CBCS 10-point grading system. Uses the University's official conversion formula — Percentage = (CGPA × 7.1) + 11 — instead of the inaccurate ×10 shortcut. Built for UG/PG students, job seekers, and NRI applicants needing an exact percentage from their CGPA.
CBSE CGPA to Percentage Class 10
Free CBSE CGPA to Percentage Class 10 calculator. Convert your Class 10 CGPA (2010–2017 CCE marksheets) into indicative percentage instantly using CBSE's official ×9.5 formula from Circular No. 24/2010 — plus subject-wise conversion and examples.
CGPA to Percentage IIT Calculator
Use this CGPA to Percentage IIT Calculator to convert your grade card CGPA into an accurate equivalent percentage. Unlike generic converters, this tool applies each IIT's own officially notified formula — CGPA × 10 for IIT Madras and IIT Hyderabad, and the (10 × CGPA) + 5 rule for IIT Patna — so B.Tech, M.Tech, and dual-degree students, alumni, HR teams, and study-abroad applicants get a percentage figure they can actually trust for placements, PSU forms, and university applications.
Utility Tools
3Electricity Bill Calculator India — State-wise 2026
Free electricity bill calculator covering every major Indian DISCOM — TNEB, BESCOM, MSEDCL, KSEB, UPPCL and more. Enter your meter reading and get an FY 2025-26 slab-wise estimate instantly.
UPI ID Format Checker – Validate VPA Format Free
Free online UPI ID format checker that validates your Virtual Payment Address (VPA) against NPCI's official structure rules — checks the @ symbol, username characters, length limits, and recognised bank/app handles. Runs entirely in your browser with no data stored or sent to any server.
PAN Card Validator
Free PAN card format checker that validates whether your 10-character PAN follows the official CBDT structure (5 letters + 4 digits + 1 letter), flags exactly what's wrong, and identifies the entity type from the 4th character. Runs entirely client-side in your browser — nothing is uploaded, stored, or logged.
Government Scheme Tools
4UPS Pension Calculator
A free UPS Pension Calculator that estimates your monthly assured pension, family pension, and retirement lump sum under the Unified Pension Scheme (UPS), based on the Ministry of Finance's official notification formula. Built for central government employees on NPS deciding whether to switch to UPS, and for HR/payroll teams and financial planners handling retirement queries.
SHE-Mart Scheme Eligibility Checker
A free, instant eligibility checker for the SHE-Mart scheme announced in Union Budget 2026-27. Covers SHG members, Lakhpati Didi participants, micro-enterprise owners, and UDYAM-registered businesses, with document checklists and financing details — no login, no data stored.
GPF calculator
The GPF Calculator helps central government employees, railway staff, and defence personnel project their General Provident Fund maturity value accurately. Unlike simple flat-rate estimates, this tool calculates interest month by month on the running balance, exactly as required under Rule 11 of the General Provident Fund (Central Services) Rules, 1960, at the current 7.1% per annum rate. Enter your opening balance, monthly subscription, and investment period to get a year-wise breakup of interest and closing balance, helping you plan retirement with confidence.
Govt Scheme Eligibility Checker
Free online government scheme eligibility checker that screens your profile against 9 central schemes — PM-Kisan, Atal Pension Yojana, PMJJBY, PMSBY, PMAY-Urban, PM-SYM, PM Laghu Vyapari Maandhan, PM Vishwakarma, and Ayushman Vay Vandana — in a single pass. Enter your age, income, and occupation once to get an instant Eligible/Not Eligible verdict for each scheme, with the exact reason based on official rules.
Utility & Validation Tools
2Vehicle Number Checker
Validate your Indian vehicle registration number's format free — check state code, RTO code, series & BH Series compliance in seconds.
Working Days Calculator India
Free online working days calculator for India that counts real business days between two dates, automatically excluding Sundays, 2nd & 4th Saturdays, and the bank holidays specific to your state. Built for HR, payroll, freelancers, CAs, and NRIs tracking notice periods, TAT, or billing cycles.
Accounting Tools
1Loans & EMI Calculators
6No Cost EMI vs Personal Loan Calculator
Compare No Cost EMI against a personal loan for the same purchase. This calculator uncovers the effective interest rate hidden inside "0% EMI" offers using RBI's cash-discount method, and stacks it against a personal loan's real EMI and total cost.
EMI vs Tenure Reduction Calculator
Free EMI vs Tenure Reduction Calculator to see exactly what happens after a loan prepayment. Enter your outstanding balance, prepayment amount, interest rate, and remaining tenure — the calculator instantly compares Option A (reduce tenure, same EMI) against Option B (reduce EMI, same tenure), showing the new EMI, new tenure, and total interest under each. Built on the standard reducing-balance EMI formula and updated for RBI's 2026 prepayment charge rules, this tool helps home loan, personal loan, and car loan borrowers in India decide which prepayment option actually saves more money before calling their bank.
RBI Pre-payment-Charge Eligibility Checker
Free RBI Pre-payment Charge Eligibility Checker — find out instantly whether your bank or NBFC can legally levy a foreclosure charge or pre-payment penalty on your floating-rate loan under the RBI (Pre-payment Charges on Loans) Directions, 2025. Covers home loans, personal loans, and business loans for individuals and MSEs, based on loan purpose, lender category (bank/NBFC/RRB/SFB/co-op bank), and sanctioned amount. Get an instant eligible / not-eligible verdict with the exact RBI clause behind it — no signup required.
Home Loan Prepayment Calculator
Free Home Loan Prepayment Calculator to check exactly how much interest you save on a lump-sum part-payment. Compare "reduce EMI" vs "reduce tenure," aligned with RBI's 2025 rule on zero prepayment charges for floating-rate loans.
No Cost EMI Calculator – True Cost & Hidden Charges
Calculate the real hidden cost of "no-cost" EMI offers on Indian credit cards — forgone cash discount, processing fee, GST, and true effective APR.
Loan Foreclosure Charges Checker
Check if your bank or NBFC can legally charge you for closing your loan early. Our Loan Foreclosure Charges Checker applies RBI's 2025 Directions instantly.