Business Tools & Calculators

Convert your annual CTC to monthly in-hand salary with a detailed component-wise breakup. See how your CTC splits across Basic, HRA, Special Allowance, Employer PF, Gratuity, and other components. Calculates income tax (TDS) under both old and new regime, Professional Tax, and Employee PF deductions. Perfect for evaluating job offers, salary negotiations, and HR payroll planning.

Calculate the gratuity amount payable on resignation or retirement as per the Payment of Gratuity Act, 1972. Enter your last drawn salary and total years of service to get the exact gratuity entitlement. Checks the 5-year minimum service eligibility and handles both covered and non-covered establishment cases. Includes tax exemption calculation under Section 10(10) for government and private sector employees.

Estimate your Employee Provident Fund (EPF) corpus at retirement with a year-wise accumulation breakdown. Enter current salary, annual increment %, and years to retirement to project total PF balance at the current rate of 8.25%. Shows Employee and Employer contribution split and interest earned each year. Helps you plan retirement savings and understand the long-term value of EPF contributions.

Calculate your new salary after a percentage hike, find the exact hike % you received, or project salary growth over multiple years. Enter current CTC and hike % to see the new package and absolute increase. Supports reverse calculation — enter current and new salary to find the hike percentage. Also projects 5-year cumulative salary growth at a given annual increment rate.

Calculate your total work experience precisely in years, months, and days from your joining and leaving dates. Add multiple job periods to compute aggregate experience across all employers in one go. Accounts for exact calendar differences including leap years and partial months. Useful for resume writing, EPF transfers, gratuity eligibility checks, and jobs with minimum experience requirements.

Calculate GST on any amount instantly with support for all rates — 5%, 12%, 18%, and 28%. Add GST to get the tax-inclusive price, or reverse-calculate to find the base amount before tax. Breaks down CGST and SGST for intra-state, or IGST for inter-state transactions. Perfect for invoicing, pricing decisions, and quick tax checks.

Calculate TDS deduction rates for salary, rent, professional fees, interest, and 20+ payment categories as per the latest Income Tax Act. Enter the payment amount to get exact TDS to deduct, deposit, and net amount payable to the recipient. Updated for FY 2024-25 with current threshold limits and rate changes. Helps avoid penalties for wrong or missed TDS deductions.

Calculate your income tax liability for FY 2024-25 under both old and new tax regime side-by-side. Supports salary, business income, HRA, and capital gains with all applicable deductions. Includes standard deduction, Section 80C, 80D, and 80CCD(1B) for old regime comparison. Instantly see which regime saves you more money before filing your ITR.

Calculate Professional Tax (PT) deduction applicable on your salary for any Indian state that levies PT. Covers Maharashtra, Karnataka, Tamil Nadu, West Bengal, Gujarat, Telangana, Andhra Pradesh, and 10+ other states. Enter your monthly gross salary to see the exact PT slab and monthly deduction amount. Useful for payroll processing, offer letter preparation, and employee tax planning.

Calculate penalties for late TDS compliance across three key scenarios: interest for late deduction (1%/month), interest for late payment after deduction (1.5%/month), and late filing fee under Section 234E (Rs.200/day). Enter the TDS amount and relevant dates to get exact dues payable. Helps you anticipate and avoid surprise liabilities at the time of quarterly TDS return filing.

Calculate your House Rent Allowance (HRA) exemption under Section 10(13A) of the Income Tax Act. The exemption is the minimum of: actual HRA received, 40%/50% of basic salary (50% for metro cities), and rent paid minus 10% of basic salary. Enter HRA, basic salary, and rent paid to see all three conditions with the exact tax-free amount. Useful for old regime tax planning and salary structuring.

Maximize tax savings with a comprehensive deduction planner covering Section 80C (ELSS, PPF, LIC, home loan principal), 80D (health insurance), 80CCD(1B) (NPS top-up), and 24(b) (home loan interest). Enter your income and existing investments to see remaining deduction headroom and potential tax savings. Compare old vs new regime with all deductions applied to make the most tax-efficient choice for FY 2024-25.

Find out if your business is legally required to register for GST based on annual turnover, type of supply, state of operation, and business model. Mandatory for businesses above Rs.40 lakh turnover (goods) or Rs.20 lakh (services), or anyone selling through e-commerce platforms regardless of turnover. Also explains voluntary registration benefits for availing Input Tax Credit. Avoid penalties by understanding your GST obligation upfront.

Validate a TAN (Tax Deduction and Collection Account Number) and decode its 10-character alphanumeric structure. The TAN encodes the state code and deductor type — extract both instantly without a government portal lookup. Every employer and entity required to deduct TDS must have a valid TAN and quote it on all TDS certificates and returns. Use this tool to verify TAN format compliance before filing 24Q, 26Q, or 27Q returns.

Search for the right HSN code for goods or SAC code for services to comply with GST invoicing requirements. Businesses with annual turnover above Rs.5 crore must mandatorily quote 6-digit HSN codes on every invoice. Search by product name, service description, or keyword to find the code with applicable GST rate instantly. Reduces errors in GST returns, e-invoices, and e-way bills that can trigger scrutiny.

Find exact due dates for all GST returns — GSTR-1, GSTR-3B, GSTR-9, GSTR-9C, CMP-08 for composition dealers, and GSTR-2B reconciliation. Filter by taxpayer type (regular, composition, QRMP scheme) and return frequency (monthly or quarterly). Late fees start at Rs.50/day for delayed filing — never miss a GST deadline again. Updated for the current financial year with all official due dates.

Calculate GST late fee and interest payable for delayed filing of GSTR-1, GSTR-3B, and GSTR-9 annual returns. Late fee for GSTR-3B: Rs.50/day (Rs.25 CGST + Rs.25 SGST) capped at Rs.10,000; reduced to Rs.20/day for nil returns. Also calculates 18% per annum interest on net GST liability for delayed tax payment beyond due date. Enter due date and actual filing date to get the exact penalty amount payable.

Complete tax compliance calendar covering all due dates for Income Tax, GST, TDS, EPF, ESIC, Professional Tax, and MCA filings in one place. Covers monthly TDS deposit (7th of every month), quarterly TDS returns, advance tax installments, GST returns, ITR filing deadlines, and annual ROC filings. Filter by compliance type and frequency to build a custom checklist for your business. Never miss a deadline and avoid interest, penalties, and prosecution risk.

Calculate your monthly EMI for home loans, car loans, personal loans, or education loans in seconds. Enter loan amount, interest rate, and tenure to get EMI, total interest payable, and total repayment amount. Includes a full amortization schedule showing the principal vs. interest split for every month. Helps you plan loans and compare offers from different lenders before committing.

Calculate Fixed Deposit maturity amount and total interest earned with compound interest for any bank or NBFC FD. Supports cumulative FD (interest reinvested quarterly) and non-cumulative FD with monthly/quarterly payout options. Includes senior citizen bonus rate of 0.25-0.50% and TDS deduction on interest above Rs.40,000 per year. Compare different tenures and rates to optimize your fixed income returns.

Calculate Recurring Deposit maturity amount based on monthly deposits compounding quarterly. Enter monthly installment, annual interest rate, and tenure to see total deposits, total interest earned, and final maturity amount. Helps you plan goal-based savings through disciplined monthly contributions with guaranteed returns. Compare post office RD (currently 6.7%) with leading bank RD rates for the best option.

Calculate your Public Provident Fund (PPF) maturity amount with year-wise compounding at the current government rate of 7.1%. Enter annual investment amounts to see balance growth over the 15-year lock-in and optional 5-year extension blocks. PPF interest is completely tax-free (EEE status) and contributions qualify for Section 80C deduction up to Rs.1.5 lakh per year. One of the safest and most tax-efficient long-term investments in India.

Calculate the future value of a lump sum investment or regular SIP contributions at any expected rate of return. Supports daily, monthly, quarterly, semi-annual, and annual compounding frequencies to show how frequency affects total returns. Useful for projecting growth of FDs, mutual funds, PPF, or any investment vehicle over time. Enter amount, rate, and period to see exactly how your money compounds.

Find the present (today's) value of a future sum of money using discounting — the reverse of compound interest. Supports single lump sum amounts as well as regular annuity payments such as monthly rent income or structured payouts. Used in investment appraisal, loan pricing, business valuation, and retirement planning. Helps you compare the value of money received at different points in time on an equal footing.

Calculate the final price after a single discount, multiple stacked discounts, or find the original price from a discounted price using reverse calculation. Instantly see the savings amount and savings percentage for any deal. Optionally add GST to the discounted price for tax-inclusive pricing decisions. Useful for retail pricing, B2B negotiations, trade discounts, and verifying invoice amounts.

Calculate the weighted average purchase price (cost basis) for a stock bought at multiple prices over time. Enter each purchase lot with quantity and price to get the blended average cost, total investment, and current unrealized profit or loss. Shows your break-even price and the target selling price to achieve a desired profit percentage. Useful for equity investors tracking cost averaging strategies.

Calculate gross profit margin as a percentage of selling price, or markup as a percentage of cost — and convert freely between the two. Enter cost and selling price to get margin %, markup %, and absolute profit amount. Or enter your cost and desired margin to find the right selling price for your product or service. Useful for pricing decisions, evaluating supplier deals, and understanding business profitability.

Create professional, GST-compliant tax invoices with automatic CGST/SGST and IGST breakup based on supply type. Supports HSN codes for goods and SAC codes for services with auto-generated amount-in-words. Add multiple line items, apply discounts, and include custom payment terms or notes. Download as a print-ready PDF — completely free, no signup required.

Calculate how monthly SIP investments in mutual funds grow over time with the power of compounding. Enter investment amount, expected annual return, and tenure to see final corpus, total investment, and total wealth gained. Rs.5,000/month at 12% for 20 years grows to Rs.49 lakh — start planning your wealth creation journey today. Ideal for retirement, education, home purchase, or any long-term financial goal.

See how increasing your SIP by a fixed percentage every year (step-up) dramatically boosts your final corpus compared to a flat SIP. Enter starting SIP amount, annual step-up %, expected return, and tenure to see the corpus difference. A Rs.5,000/month SIP with 10% annual step-up can grow over 60% more than a flat SIP over 20 years. Aligns your investments with salary increments for accelerated wealth creation.

Estimate mutual fund returns using CAGR-based projections for lumpsum or regular SIP investments. Enter amount, expected annual return, and holding period to see maturity value and total gains. Compare lumpsum vs SIP strategy for reaching the same corpus target. Useful for selecting between debt funds (6-8%), hybrid funds (10-12%), and equity funds (12-15%) based on your risk profile and time horizon.

Calculate the future value of a one-time lumpsum investment compounding at an expected annual return over any time period. Enter principal, return rate, and investment horizon to see maturity amount and total gains. Compare asset classes — FD (7%), debt MF (8%), balanced fund (11%), equity (14%) — for the same investment amount. Essential for evaluating bulk investments like annual bonuses, inheritance amounts, or property sale proceeds.

Plan your Systematic Withdrawal Plan — calculate how long your invested corpus will last with regular monthly withdrawals at a given portfolio growth rate. Enter corpus amount, monthly withdrawal, and expected return to see the depletion schedule year by year. Useful for retirement income planning to ensure your corpus lasts through your retirement years. Find the optimal withdrawal amount that balances income needs with corpus longevity.

Calculate returns on ELSS (Equity Linked Savings Scheme) — the only mutual fund category qualifying for Section 80C tax deduction up to Rs.1.5 lakh. ELSS has the shortest lock-in of just 3 years among all 80C instruments, making it ideal for tax saving with flexibility. Enter monthly SIP and expected returns to see corpus growth and annual tax savings generated. Best for investors combining tax saving with equity wealth creation.

Calculate the Compound Annual Growth Rate of any investment between two points in time to find the true annualized return. Enter beginning value, ending value, and number of years to get the CAGR percentage. Supports reverse calculations — find future value given a CAGR target, or find the required investment given a target corpus. Used for evaluating stocks, mutual funds, business revenue growth, and real estate returns.

Calculate Return on Investment as a percentage and annualized ROI for any investment or business decision. Enter initial cost, final value or net profit, and holding period to see simple ROI, annualized ROI, and wealth multiple. Useful for evaluating marketing campaigns, equipment purchases, real estate investments, and business acquisitions. Compare multiple investments on a per-year basis to identify the best-performing use of capital.

Calculate compound interest and the final maturity amount for any principal, interest rate, and time period. Choose from daily, monthly, quarterly, semi-annual, and annual compounding frequencies to see how compounding frequency affects total returns. Includes a year-by-year breakdown showing interest earned in each period. Understanding compounding is fundamental to making smart investment decisions and grasping the true cost of loans.

Calculate simple interest and the total repayment amount for any principal, annual rate, and time period. Useful for short-term loans, inter-company lending, security deposit returns, and understanding the difference between simple and compound interest. See interest amount, total amount payable, and effective annual yield in one step. Quick and accurate for basic interest computations and informal lending arrangements.

Plan your financial goals with inflation-adjusted SIP projections for retirement, child's education, home purchase, or any custom goal. Enter your target amount, years to goal, expected returns, and inflation rate to find the exact monthly SIP needed today. Factors in inflation to show the real future cost of your goal in today's purchasing power. See how starting even 2 years earlier drastically reduces the monthly investment required.

Calculate how inflation erodes your money's purchasing power over time using India's CPI inflation data. Enter an amount today to see what it will cost in future years at current or historical inflation rates. Reverse-calculate to find how much you need today to match a future expense. Essential for salary negotiations, retirement planning, investment return analysis, and business pricing decisions.

Check if your desired company or LLP name is available for registration with the Ministry of Corporate Affairs. Search against the MCA database to avoid conflicts with existing registered names. Get guidance on naming rules, restricted words, and similarity guidelines to pick a compliant name. An essential first step before filing for company incorporation.

Calculate stamp duty payable on your Memorandum of Association (MOA) at the time of company incorporation based on authorized share capital. Different rates apply state-by-state — covers Delhi, Maharashtra, Karnataka, Tamil Nadu, and more. Also shows total MCA registration fees payable alongside stamp duty. Helps you budget accurately for the full company registration process.

Estimate the total cost to set up your business in India across different legal structures — Private Limited, LLP, OPC, or Partnership Firm. Covers government fees (MCA, stamp duty), professional charges (CA/CS), DSC, DIN, GST registration, and first-year annual compliance costs. Helps entrepreneurs budget accurately before starting the incorporation process. Useful for comparing total cost of ownership across different business structures.

Compare all five major Indian business structures side-by-side across 14 key parameters: liability protection, compliance burden, taxation, fundraising ability, management flexibility, and exit options. Covers Sole Proprietorship, Partnership Firm, LLP, One Person Company (OPC), and Private Limited Company. Understand the trade-offs at each stage of business growth. Helps founders choose the right structure for their specific goals and risk appetite.

Estimate the total cost to register your business in India across structures — Private Limited, LLP, OPC, Sole Proprietorship, and Partnership. See a detailed breakup of MCA government fees, DSC charges, stamp duty, CA/CS professional fees, and GST registration costs. Also includes first-year annual compliance cost estimates for the full financial picture. Helps you plan your budget before starting the incorporation process.

Determine whether your business qualifies as a Micro, Small, or Medium Enterprise under revised Udyam criteria based on investment in plant/machinery and annual turnover. Get the correct enterprise category for your Udyam Registration Certificate. MSMEs get priority sector lending, government subsidies, tender preferences, and statutory benefits under the MSMED Act. Check eligibility before applying on the official Udyam Registration portal.

Validate a Director Identification Number (DIN) assigned by the Ministry of Corporate Affairs and check its structural format compliance. Every person who is or intends to be a director of an Indian company must obtain a DIN before appointment. Verify DIN format for use in company documents, ROC filings, board resolutions, and agreements. Useful for company secretaries, legal teams, and anyone verifying director credentials.

Validate and decode a Company Identification Number (CIN) for companies or LLPIN for LLPs registered with MCA. The 21-character CIN encodes listing status, industry code (NIC), state code, company type, year of incorporation, and registration serial number. Extract all company details from the CIN without needing to look up the MCA portal. Useful for vendor verification, due diligence, legal documents, and compliance filings.

Generate creative, professional business name ideas based on your industry sector, core keywords, and preferred naming style — descriptive, coined word, hybrid, or acronym-based. Get domain name availability suggestions alongside shortlisted names to secure your online presence simultaneously. Filter by industry to get contextually relevant name ideas suited to your business type and audience. Useful for startups, freelancers, and product launches in the early brainstorming phase.

Check if your desired LLP name complies with MCA naming guidelines before filing the incorporation application. Understand restrictions on reserved words like "National", "International", "Bank", "Insurance", and names phonetically similar to existing LLPs or companies. All LLP names must end with "LLP" or "Limited Liability Partnership". Avoid costly rejection and refiling delays with upfront name compliance checking.

Generate a legally sound, customizable Non-Disclosure Agreement for India in minutes — no lawyer needed for standard use cases. Choose between a mutual NDA (both parties share confidential information) or a unilateral NDA (one-way disclosure). Customize parties, confidentiality scope, permitted use, term, jurisdiction, and dispute resolution mechanism. Download as a ready-to-sign PDF with Indian governing law and stamp duty guidance.

Draft a Leave and License rental agreement for residential or commercial properties with state-wise stamp duty information. Customize rent amount, security deposit, lock-in period, notice period, maintenance terms, and utility responsibilities. Covers major states including Maharashtra, Karnataka, Delhi, Tamil Nadu, Telangana, and more. Understand e-stamping, online registration requirements, and notarization rules applicable in your state.

Generate properly formatted board resolutions for 10+ common corporate actions — opening a bank account, taking a loan, appointing an authorized signatory, filing GST registration, and director authorization. Banks, government authorities, and financial institutions require valid board resolutions to process corporate requests. Customize with your company name, meeting date, directors present, and specific operational details. Download print-ready templates in minutes.

Find the correct trademark class for your brand, product, or service across all 45 Nice Classification classes. Search by product description, service type, or keyword to see relevant classes with detailed descriptions and filing examples. Choosing the wrong class leads to inadequate protection — this tool helps you file under the right class for maximum brand coverage. Covers goods (Classes 1-34) and services (Classes 35-45).

Browse the International Patent Classification (IPC) system to find the right technology category for your invention before filing. Get direct links to search Indian patents via the IPO InPASS database and access IP India resources for prior art research. Understand patent eligibility criteria, filing requirements, and the examination process in India. A starting point for inventors and R&D teams exploring patent protection strategy.

Search and check trademark name availability before filing with the Indian Trade Marks Registry. Understand naming rules, prohibited and restricted words, and similarity guidelines to assess your approval chances in advance. Get guidance on building strong, distinctive trademarks versus weak descriptive marks that are harder to register and enforce. Plan your brand registration strategy with a clear understanding of what the Trade Marks Registry looks for.

Check your private limited company's ROC filing status against key MCA deadlines — MGT-7, AOC-4, ADT-1, DIR-3 KYC, and more. Enter your CIN to see pending filings and upcoming due dates to avoid late fees and penalties. Covers all mandatory filings under the Companies Act 2013 for private and public companies. Helps directors and CS professionals stay on top of annual compliance requirements.

Determine the correct FSSAI food safety license your business needs — Basic Registration (turnover up to Rs.12 lakh), State License (Rs.12 lakh to Rs.20 crore), or Central License (above Rs.20 crore or multi-state). Covers all food business categories: manufacturing, trading, restaurants, catering, e-commerce food businesses, and import/export operations. Applying for the wrong license type leads to rejection and delays — get it right the first time.

Validate any GSTIN and decode the business information embedded in the 15-character format. Instantly extract the state code, taxpayer PAN, entity type (proprietor, company, LLP, trust), and registration type from the GSTIN structure. Helps verify vendor and customer GST compliance before claiming Input Tax Credit in your returns. Essential for B2B businesses, procurement teams, and CA firms handling GST audits.

Validate the format and structure of any PAN (Permanent Account Number) and decode the information encoded in its 10 characters. Identify the entity type — individual, company, HUF, firm, trust, or AOP — and extract the holder's initial from the PAN structure. Useful for KYC verification, pre-onboarding vendor checks, and validating PAN before quoting it on TDS certificates and returns.

Validate and decode an Import Export Code (IEC) issued by the Directorate General of Foreign Trade (DGFT). The 10-digit IEC is mandatory for any business engaged in importing or exporting goods or services from India. Decode the embedded structural details and check format compliance before using IEC in shipping documents or DGFT filings. Useful for verifying supplier and buyer IEC credentials in international trade transactions.

Validate an FSSAI license or registration number and decode its structural details. Extract the license type (Basic, State, or Central), state code, and year of issue from the 14-digit number. Verify food vendor and supplier FSSAI compliance before onboarding them or listing them on food delivery platforms. Helps businesses maintain a fully compliant food supply chain and avoid regulatory action from food safety authorities.

Validate a Udyam Registration Number (format: UDYAM-XX-YY-ZZZZZZZ) assigned to enterprises on the Udyam Registration Portal. Decode the state code, year of registration, and serial number embedded in the number structure. Useful for verifying MSME status of vendors and supply chain partners to claim government tender preferences and statutory MSME payment protections. Ensures your procurement team is sourcing from genuine registered MSMEs.

View the complete annual ROC compliance calendar for Indian companies under the Companies Act 2013. All key MCA filing deadlines in one place — MGT-7 (annual return), AOC-4 (financials), ADT-1 (auditor), DIR-3 KYC, DPT-3, MSME-1, BEN-2, and more. Filter by company type (private limited, public limited, OPC) to see only the filings relevant to you. Stay compliant and avoid MCA late fees that compound daily.

Calculate the statutory due date for your company's Annual General Meeting (AGM) under Section 96 of the Companies Act 2013. New companies must hold AGM within 9 months of the financial year end; existing companies within 6 months. Also shows related filing deadlines — AOC-4 (60 days after AGM) and MGT-7 (60 days after AGM). Keep your board and compliance team prepared with advance AGM scheduling.

Track DIR-3 KYC compliance for all company directors — the annual KYC filing mandatory for every DIN holder by September 30 each year. Non-compliance results in DIN deactivation, blocking the director from signing any ROC documents until KYC is completed with a Rs.5,000 reactivation fee. Check the deadline, understand e-KYC and web KYC filing options, and plan compliance in advance. Essential for company secretaries managing multiple directors.