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🛠 Free Financial Calculators

Smart Tools for
Smarter Decisions

12 calculators — income tax, penalties, GST, TDS, EMI, SIP, HRA & more. Auto due dates, real Indian tax logic. No sign-up required.

Tax Calculators
🧮
Income Tax Calculator
Old vs New regime comparison AY 2025-26 & 2026-27
Most Used
⚠️
IT Penalty Calculator
234F, 234A, 234B — auto due dates per return type
Smart
🧾
GST Penalty & Interest
GSTR-3B / GSTR-1 / GSTR-9 — late fee + 18% interest
Smart
📋
TDS Penalty Calculator
234E + 201(1A) — delayed deduction & deposit
Smart
🔢
GST Calculator
Add or remove GST — plain & simple for everyday use
Quick
🏠
HRA Exemption
Section 10(13A) — metro vs non-metro, least of 3 rule
New
Investment & Loan Calculators
🏦
EMI Calculator
Monthly instalment, total interest & payment schedule
Loan
📈
SIP Calculator
Mutual fund SIP maturity with compounding returns
Invest
🏦
FD Calculator
Fixed deposit maturity & interest — simple & compound
Invest
📊
CAGR Calculator
Compound annual growth rate — investment returns
Invest
🎯
NPS Calculator
National Pension Scheme corpus & monthly pension
New
💼
P&L Estimator
Business profit & loss snapshot with margin analysis
Business
🧮

Income Tax Calculator

Compare Old Regime vs New Regime — AY 2025-26 & AY 2026-27 · As per Finance Act 2024 & 2025

ℹ️How it works: Select Assessment Year → fill your income details → choose deductions → get instant Old vs New comparison with the better regime highlighted.

💰 Income Details

₹
₹
₹

🏦 Deductions (Old Regime Only)

₹
₹
₹
₹
₹
₹
Old Regime Tax
₹0
New Regime Tax
₹0
You Save
₹0
ParticularsOld RegimeNew Regime
⚠️

Income Tax Penalty Calculator

Section 234F Late Filing Fee · 234A & 234B Interest · As per Income Tax Act 1961

ℹ️Select return type → due date auto-fills → enter actual filing date & outstanding tax → instant penalty breakdown.
✦ Auto-filled
₹
Total Amount Payable
₹0
Days Late
—
234F Penalty
₹0
234A Interest (1%/mo)
₹0
234B Interest (1%/mo)
₹0
Outstanding Tax
₹0
Due Date
—
Status
—
🧾

GST Penalty, Interest & Late Fee

GSTR-3B / GSTR-1 / GSTR-9 · Section 47 & 50 of CGST Act · Auto Due Dates

ℹ️Select return type & period → due date auto-fills → enter filing date & tax due → get penalty instantly.
✦ Auto-filled
₹
Total Dues
₹0
Days Late
—
Late Fee (CGST)
₹0
Late Fee (SGST)
₹0
Total Late Fee
₹0
Interest @ 18% p.a.
₹0
Due Date
—
Status
—
📋

TDS Penalty & Interest Calculator

Section 234E · Section 201(1A) · Delayed Deduction & Deposit

ℹ️Select TDS quarter → due date auto-fills → enter actual dates & TDS amount → get 234E penalty + 201(1A) interest.
✦ Auto-filled
₹
Total TDS Dues
₹0
Filing Delay
—
234E (₹200/day)
₹0
234E Cap (= TDS amt)
₹0
201(1A) – Non-deduction (1%)
₹0
201(1A) – Non-deposit (1.5%)
₹0
TDS Amount
₹0
Status
—
🔢

GST Calculator

Simple, everyday GST tool — add or remove GST with layman-friendly labels

₹
GST Amount
₹0
Total Amount Including GST
₹0
Amount Excluding GST
₹0
Amount Including GST
₹0
CGST (Half of GST)
₹0
SGST (Half of GST)
₹0
IGST (Full – Inter-State)
₹0
GST Rate
18%
💡 For intra-state transactions (within Tamil Nadu): Pay CGST + SGST separately. For inter-state transactions: Pay IGST only. Ask us if you're unsure which applies.
🏠

HRA Exemption Calculator

Section 10(13A) — Least of 3 conditions rule · Metro vs Non-Metro

ℹ️HRA exemption = Least of: (1) Actual HRA received, (2) Rent paid minus 10% of salary, (3) 50% (metro) or 40% (non-metro) of Basic salary.
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₹
₹
HRA Exemption (Tax-Free)
₹0
Taxable HRA
₹0
Condition 1: Actual HRA Rcvd
₹0
Condition 2: Rent – 10% Salary
₹0
Condition 3: 50%/40% of Basic
₹0
Exemption = Least of 3
₹0
💡 The HRA exemption reduces your taxable income. This benefit is available only under the Old Tax Regime. Under the New Regime, no HRA exemption is allowed.
🏦

EMI Calculator

Monthly Instalment · Total Interest · Principal vs Interest split — for any loan

₹
%
Monthly EMI (Your Payment)
₹0
Total Interest Paid to Bank
₹0
Loan Amount (Principal)
₹0
Total Interest Paid
₹0
Total Amount Paid to Bank
₹0
Interest as % of Total
0%
💡 Tip: Paying one extra EMI per year reduces your total interest significantly. Need help structuring a business loan? Talk to us →
📈

SIP Calculator

Monthly SIP → Maturity corpus with compounding — plan your wealth

₹
%
Total Money at Maturity
₹0
Profit / Wealth Gained
₹0
Total You Invested
₹0
Returns Earned (Profit)
₹0
Returns as % of Corpus
0%
Money Multiplied By
0x
💡 Starting 5 years earlier can double your final corpus due to compounding. For tax-efficient investment planning, consult our team →
🏦

FD Calculator

Fixed Deposit maturity amount — simple & compound interest

₹
%
yr
Maturity Amount
₹0
Total Interest Earned
₹0
Principal
₹0
Interest Earned
₹0
Effective Yield
0%
TDS @ 10% (if >₹40K)
₹0
💡 Tax note: FD interest is fully taxable. If total bank interest exceeds ₹40,000 (₹50,000 for seniors), TDS at 10% applies. Consider tax-saving FDs (Section 80C, 5-year lock-in) for deductions.
📊

CAGR Calculator

Compound Annual Growth Rate — measure how fast your investment actually grew

₹
₹
yr
CAGR (Annual Return Rate)
0%
Total Return
0%
Starting Value
₹0
Ending Value
₹0
Absolute Gain
₹0
Money Multiplied By
0x
💡 CAGR smooths out volatility to show your true annual growth rate. Compare your investment's CAGR with Nifty 50's historical ~12% CAGR to assess performance.
🎯

NPS Calculator

National Pension Scheme — corpus at 60 + monthly pension estimate

yr
₹
%
%
%
Total Corpus at 60
₹0
Estimated Monthly Pension
₹0
Total Invested
₹0
Returns Earned
₹0
Lump Sum (Withdrawable)
₹0
For Annuity (Pension Fund)
₹0
Years to Invest
0
Tax Benefit (80CCD(1B))
₹50,000/yr
💡 NPS contributions qualify for ₹50,000 additional tax deduction under Section 80CCD(1B) — beyond the ₹1.5L 80C limit. Available only under Old Regime. Contact us for NPS optimisation.
💼

Business P&L Estimator

Quick profit & loss snapshot — monthly or annual view with margin analysis

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Business Expenses

₹
₹
₹
₹
₹
₹
Net Profit / Loss
₹0
Profit Margin
0%
ParticularsAmount (₹)% of Revenue

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