Finance Tools
Salary, tax, loan and investment calculators.
In-Hand Salary Calculator
Convert CTC to monthly in-hand salary for FY 2026-27. New vs old regime, EPF, professional tax — verified slabs, instant results.
SIP Calculator
Free SIP calculator with step-up SIP and lumpsum modes. See invested vs wealth gained, inflation-adjusted returns, and a year-by-year growth chart.
EMI Calculator
Free EMI calculator with prepayment planner. See monthly EMI, total interest, and how extra payments or a lumpsum cut your loan tenure and save lakhs.
FD Calculator
Free Fixed Deposit (FD) calculator. Get FD maturity amount and interest earned with quarterly, monthly, half-yearly, or yearly compounding — instant, no signup.
RD Calculator
Free Recurring Deposit (RD) calculator. Enter monthly deposit, rate, and tenure to see RD maturity value and interest with bank-standard quarterly compounding.
PPF Calculator
Free Public Provident Fund (PPF) calculator at the official 7.1% rate. Tax-free maturity and interest for 15–30 years with the ₹1.5 lakh annual limit built in.
NPS Calculator
Free National Pension System (NPS) calculator. Project your corpus at 60, tax-free lumpsum, and monthly pension from your contribution and expected return.
UPI QR Code Generator
Generate a UPI payment QR code free — any UPI ID, optional fixed amount. Plus WiFi and link QRs. Made in your browser, no signup.
GST Calculator
Free GST calculator — add or remove GST at 0.25%, 3%, 5%, 12%, 18%, 28% or any custom rate. Instant CGST, SGST and IGST breakup. No signup.
GST Invoice Generator
Create GST-compliant tax invoices free. Auto CGST/SGST/IGST split, amount in words, invoice numbering, instant PDF download. 100% in your browser.
Rent Receipt Generator
Generate rent receipts for HRA proof free. Landlord PAN field, revenue stamp note, batch 12-month PDF. Instant download, 100% in your browser.
AI API Cost Calculator
Estimate OpenAI, Anthropic Claude, and Google Gemini API costs. Paste text to count tokens, model monthly spend, and compare 13 models side by side.
Mortgage Payoff Calculator
See how extra monthly payments, a lump sum, or biweekly payments cut years off your mortgage. Interest saved, time cut, and new payoff date — instantly.
Money questions usually have exact answers — they're just buried in formulas nobody wants to work by hand. These calculators do the arithmetic transparently and instantly, and every one of them shows its working rather than presenting a number to take on faith.
For salaried employees, the In-Hand Salary Calculator turns a CTC offer into the amount that actually reaches your account each month. For investors, the SIP Calculator projects mutual-fund investing month by month, while the FD, RD, PPF and NPS calculators cover the deposit and retirement instruments most Indian savers actually hold. Borrowers get the EMI Calculator for loan instalments and the Mortgage Payoff Calculator for testing how prepayments change a home loan's lifetime. For freelancers and small businesses there's a working trio: the GST Calculator for quick inclusive/exclusive tax maths, the GST Invoice Generator for compliant invoices, and the Rent Receipt Generator for the receipts salaried tenants need at proof-submission time. The UPI QR Code Generator creates payment QR codes from your UPI ID, and the AI API Cost Calculator estimates what a language-model workload will cost across providers.
Every calculation runs in your browser. Salaries, loan amounts and investment figures are exactly the numbers most people least want sent anywhere — here they never leave your device, nothing is stored, and no sign-up is asked for. Where assumptions matter, the tool states them; where rules change over time, the tool page carries the details.
Frequently asked questions
How do I calculate the in-hand salary from my CTC offer?
Enter the CTC and its components into the In-Hand Salary Calculator — it works through the standard deductions step by step and shows the monthly amount that actually reaches your account. Each deduction is itemised, so you can see exactly where the gap between CTC and take-home comes from.
Are these calculators accurate for Indian taxes and investments?
The formulas are the standard ones used by banks, fund houses and payroll teams, and each tool page documents its method and assumptions. Where rules or rates change over time, the individual tool carries the current details — always cross-check significant decisions against official sources.
Is my salary or investment data stored when I use these tools?
No. Every calculator runs entirely in your browser — the numbers you enter are never transmitted, stored or logged. You can disconnect from the internet after the page loads and the calculator keeps working.
Can I generate a GST invoice or rent receipt without signing up?
Yes. The GST Invoice Generator and Rent Receipt Generator produce ready-to-use documents directly in your browser, free and without an account. Fill in the details, preview, and download.