# GSTCalculators.in — Money Metrics

> Free online calculators and practical guides for GST, income tax, loans, investments and everyday calculations. Built and maintained by Tools Master Hub.

Independent website maintained by Tools Master Hub. 98 tools in the homepage catalogue. English summaries are provided except where a source page uses another language. Calculators and articles have different assumptions; follow their canonical pages when citing results.

## Site and accuracy

- [Knowledge index](https://www.gstcalculators.in/okf/index.md)
- [Site identity](https://www.gstcalculators.in/okf/site.md)
- [About GSTCalculators.in](https://www.gstcalculators.in/okf/guides/about-gstcalculators.md)
- [Accuracy, sources and limitations](https://www.gstcalculators.in/okf/guides/accuracy-sources-and-disclaimer.md)
- [Freelance hourly, daily and project rates](https://www.gstcalculators.in/okf/guides/freelance-rates.md)
- [Comparing two or three loan offers](https://www.gstcalculators.in/okf/guides/loan-comparison.md)
- [Percentage calculator: formulas and worked examples](https://www.gstcalculators.in/okf/guides/percentage-calculations.md)
- [Unit conversions](https://www.gstcalculators.in/okf/guides/unit-conversions.md)

## Calculator categories and guides

- [Basic Financial Calculators](https://www.gstcalculators.in/okf/categories/basic.md): 33 public pages
- [Investment and Savings Calculators](https://www.gstcalculators.in/okf/categories/invest.md): 25 public pages
- [Tax and Loan Calculators](https://www.gstcalculators.in/okf/categories/taxloan.md): 28 public pages
- [Business Tools](https://www.gstcalculators.in/okf/categories/business.md): 5 public pages
- [Special Calculators](https://www.gstcalculators.in/okf/categories/special.md): 6 public pages
- [Utilities](https://www.gstcalculators.in/okf/categories/utility.md): 1 public pages
- [Guides and Learning](https://www.gstcalculators.in/okf/categories/guides.md): 17 public pages
- [GST State Guides](https://www.gstcalculators.in/okf/categories/states.md): 37 public pages
- [About, Policies and Directories](https://www.gstcalculators.in/okf/categories/site.md): 14 public pages
- [Additional Tools and Language Pages](https://www.gstcalculators.in/okf/categories/additional.md): 18 public pages

## Tools

- [Ad Revenue Calculator](https://www.gstcalculators.in/okf/tools/ad-revenue-calculator.md): Estimate website or channel ad revenue from pageviews and CPM. Free calculator for publishers, bloggers and creators.
- [Advance Tax Calculator](https://www.gstcalculators.in/okf/tools/advance-tax-calculator.md): Free advance tax calculator — work out your quarterly advance tax installments (15%, 45%, 75%, 100%) with due dates for FY 2026-27.
- [Age Calculator](https://www.gstcalculators.in/okf/tools/age-calculator.md): Calculate exact age in years, months and days from a date of birth. Free, instant, works offline in your browser.
- [Agriculture Loan Calculator](https://www.gstcalculators.in/okf/tools/agriculture-loan-calculator.md): Calculate agriculture loan EMI and interest. Farm credit often carries subvented rates well below commercial lending.
- [Attendance Percentage Calculator | GSTCalculators.in](https://www.gstcalculators.in/okf/tools/attendance-percentage-calculator.md): Free attendance percentage calculator. Enter days attended and scheduled to find your attendance rate, days absent, and days needed to reach your target.
- [Bulk Invoice GST Calculator](https://www.gstcalculators.in/okf/tools/bulk-invoice-gst-calculator.md): Free bulk invoice GST calculator — add multiple items or invoices and calculate GST for all of them at once, with a grand total.
- [Business Loan Calculator](https://www.gstcalculators.in/okf/tools/business-loan-calculator.md): Calculate business loan EMI, total interest and repayment. Business loan interest is generally a deductible business expense.
- [CAGR Calculator](https://www.gstcalculators.in/okf/tools/cagr-calculator.md): Free CAGR calculator — find the compound annual growth rate of any investment from its beginning and ending value.
- [Capital Gains Tax Calculator](https://www.gstcalculators.in/okf/tools/capital-gains-tax-calculator.md): Free capital gains tax calculator for India — LTCG and STCG on equity, mutual funds, property and gold, updated for post-July 2024 rates.
- [Car Loan Calculator](https://www.gstcalculators.in/okf/tools/car-loan-calculator.md): Calculate car loan EMI, total interest and repayment after your down payment. Free, instant, no sign-up.
- [Clean GST Calculator](https://www.gstcalculators.in/okf/tools/clean-gst-calculator.md): A clean, no-ads, no-popup GST calculator — CGST/SGST/IGST split, inclusive or exclusive, in one minimal screen. Nothing else.
- [Compound Interest Calculator](https://www.gstcalculators.in/okf/tools/compound-interest-calculator.md): Calculate compound interest with monthly, quarterly, half-yearly or annual compounding. See principal versus interest earned.
- [Credit Card EMI / Interest Calculator](https://www.gstcalculators.in/okf/tools/credit-card-emi-calculator.md): Free credit card EMI calculator — see how long it takes to pay off your balance and the total interest cost at your card's interest rate.
- [Crypto Tax Calculator](https://www.gstcalculators.in/okf/tools/crypto-tax-calculator.md): Free crypto tax calculator for India — calculate the flat 30% tax on virtual digital asset gains and estimated 1% TDS under Section 194S.
- [Dividend Calculator](https://www.gstcalculators.in/okf/tools/dividend-calculator.md): Calculate dividend income and yield from your shareholding. Dividends are taxable at your slab rate in the hands of the investor.
- [E-Invoice Applicability Checker](https://www.gstcalculators.in/okf/tools/e-invoice-applicability-checker.md): Free e-invoice applicability checker — find out if GST e-invoicing is mandatory for your business based on the current ₹5 crore turnover threshold.
- [Child Education Planning Calculator](https://www.gstcalculators.in/okf/tools/education-cost-calculator.md): Estimate future education costs adjusted for inflation, and the amount you need to save.
- [Education Loan Calculator](https://www.gstcalculators.in/okf/tools/education-loan-calculator.md): Calculate education loan EMI and total interest. Interest paid on an education loan is deductible without an upper limit for up to eight years.
- [ELSS Calculator](https://www.gstcalculators.in/okf/tools/elss-calculator.md): Calculate ELSS returns and the Section 123 (formerly 80C) tax saved. ELSS has the shortest lock-in of any 80C option — three years.
- [EMI Calculator](https://www.gstcalculators.in/okf/tools/emi-calculator.md): Calculate your monthly EMI, total interest and total repayment for any loan. Instant, free, and runs entirely in your browser.
- [EPF Calculator](https://www.gstcalculators.in/okf/tools/epf-calculator.md): Estimate EPF contributions, interest, maturity value and pension components with a practical year-by-year provident fund savings projection.
- [ESOP Tax Calculator](https://www.gstcalculators.in/okf/tools/esop-tax-calculator.md): Use ESOP Tax Calculator India on GSTCalculators.in. Free, browser-based guidance and practical tools for users in India.
- [Fixed Deposit Calculator](https://www.gstcalculators.in/okf/tools/fd-calculator.md): Calculate fixed deposit maturity value and interest earned, with monthly, quarterly, half-yearly or annual compounding.
- [Freelance Rate / Hourly Rate Calculator](https://www.gstcalculators.in/okf/tools/freelance-rate-calculator.md): Calculate freelance hourly, daily and project rates from your income goal, expenses, time off, billable hours and platform fees. Free calculator with formulas and worked steps.
- [Freelancer / Consultant Tax Calculator](https://www.gstcalculators.in/okf/tools/freelancer-tax-calculator.md): Free freelancer and consultant tax calculator — estimate tax under Section 44ADA presumptive scheme or actual expenses, for professionals in India.
- [Gratuity Calculator](https://www.gstcalculators.in/okf/tools/gratuity-calculator.md): Free gratuity calculator — estimate your gratuity payout under the Payment of Gratuity Act, 1972, based on last drawn salary and years of service.
- [GST Calculator](https://www.gstcalculators.in/okf/tools/gst-calculator.md): Free GST calculator with the current 0/5/18/40% slabs (GST 2.0, from 22 Sep 2025). CGST/SGST/IGST split, HSN lookup, plus legacy mode for old invoices.
- [GST Composition Scheme Calculator](https://www.gstcalculators.in/okf/tools/gst-composition-calculator.md): Free GST composition scheme calculator for traders, manufacturers, restaurants and service providers — calculate quarterly and annual tax on turnover.
- [GST Filing Checklist](https://www.gstcalculators.in/okf/tools/gst-filing-checklist.md): Free interactive GST filing checklist for GSTR-1, GSTR-3B, GSTR-9 and CMP-08 — tick off each step before you file.
- [GST ITC Calculator](https://www.gstcalculators.in/okf/tools/gst-itc-calculator.md): Free GST ITC calculator — work out eligible input tax credit after blocked credits and reversals, and your net cash tax payable.
- [GST Late Fee & Interest Calculator](https://www.gstcalculators.in/okf/tools/gst-late-fee-calculator.md): Free GST late fee and interest calculator for delayed GSTR-3B and GSTR-1 filing. Covers nil and regular returns with standard turnover-based caps.
- [GST Quiz & Learning Center](https://www.gstcalculators.in/okf/tools/gst-learning-center.md): Learn GST through practical lessons on registration, invoices, rates, returns, input tax credit and common compliance questions for Indian businesses.
- [GST Rate Card / Shop Poster Generator](https://www.gstcalculators.in/okf/tools/gst-rate-card-generator.md): Free GST rate card generator — build a printable shop poster listing your products and their GST rates for customer transparency.
- [GST 2.0 Rate Change Impact Calculator](https://www.gstcalculators.in/okf/tools/gst-rate-change-impact-calculator.md): Calculate how a GST rate change affects taxable value, GST amount, invoice total and margin with clear before-and-after business comparisons.
- [GST Rate Finder](https://www.gstcalculators.in/okf/tools/gst-rate-finder.md): Free GST rate finder — search any product or HSN/SAC code to instantly find its current GST slab (0%, 5%, 18%, 40%, or special rates).
- [GST Reverse Charge (RCM) Calculator](https://www.gstcalculators.in/okf/tools/gst-rcm-calculator.md): Estimate GST payable under reverse charge with taxable value, rate and tax split calculations for common RCM planning and working purposes.
- [GST Reconciliation Helper (2B vs Books)](https://www.gstcalculators.in/okf/tools/gst-reconciliation-helper.md): Free GST reconciliation helper — paste your GSTR-2B and books data to instantly find matched, mismatched, and missing invoices.
- [Complete GST Registration Checklist](https://www.gstcalculators.in/okf/tools/gst-registration-checklist.md): Free GST registration checklist for India with 20 guided tasks, document tracking, saved browser progress and PDF, Excel and CSV exports.
- [GST Registration Threshold Checker](https://www.gstcalculators.in/okf/tools/gst-registration-threshold-checker.md): Check common GST registration turnover thresholds for goods and services and understand when compulsory registration rules may still apply.
- [GST Turnover Threshold Tracker](https://www.gstcalculators.in/okf/tools/gst-turnover-threshold-tracker.md): Track aggregate turnover against GST registration thresholds and identify when goods or service businesses may need to review registration requirements.
- [GSTIN Validator](https://www.gstcalculators.in/okf/tools/gstin-validator.md): Free GSTIN validator — instantly checks GST number format and checksum. Verifies structure only; use the GST portal for official registration status.
- [GSTR Due Date Finder](https://www.gstcalculators.in/okf/tools/gstr-due-date-finder.md): Free GSTR due date finder — instantly find the filing deadline for GSTR-1, GSTR-3B (monthly or QRMP), GSTR-9, GSTR-4 and CMP-08.
- [Health Insurance Cover Calculator](https://www.gstcalculators.in/okf/tools/health-insurance-cover-calculator.md): Estimate an appropriate health-insurance cover from age, city, family size and existing conditions.
- [Healthcare Cost Calculator](https://www.gstcalculators.in/okf/tools/healthcare-cost-calculator.md): Estimate healthcare and medical costs, adjusted for medical inflation.
- [Home Loan Calculator](https://www.gstcalculators.in/okf/tools/home-loan-calculator.md): Home loan EMI, total interest and repayment after down payment. Includes the Section 123 (ex-80C) principal and Section 24(b) interest deductions.
- [HRA Exemption Calculator](https://www.gstcalculators.in/okf/tools/hra-calculator.md): HRA exemption for FY 2025-26 and Tax Year 2026-27. The Income-tax Rules 2026 extend the 50% limit to 8 cities from 1 Apr 2026 — this uses the right list.
- [IMS Action Guide](https://www.gstcalculators.in/okf/tools/ims-action-guide.md): Free IMS decision guide — instantly find whether to Accept, Reject, or mark Pending each invoice in the GST Invoice Management System.
- [Income Tax Calculator](https://www.gstcalculators.in/okf/tools/income-tax-calculator.md): Compare old vs new regime tax for FY 2025-26 (AY 2026-27). This calculator does not determine tax under Tax Year 2026-27.
- [Inflation Calculator](https://www.gstcalculators.in/okf/tools/inflation-calculator.md): Calculate how inflation changes the future value and purchasing power of money in India, using your amount, inflation rate and time period.
- [Inverted Duty Refund Calculator](https://www.gstcalculators.in/okf/tools/inverted-duty-refund-calculator.md): Free inverted duty structure refund calculator — apply the Rule 89(5) formula to estimate your GST refund on accumulated ITC.
- [Investment Portfolio Calculator](https://www.gstcalculators.in/okf/tools/investment-portfolio-calculator.md): Model a portfolio across equity, debt and gold, and see the blended expected return from your allocation.
- [ITR Due Date & Late Fee Calculator](https://www.gstcalculators.in/okf/tools/itr-due-date-calculator.md): Free ITR late filing fee calculator — estimate Section 234F penalty and 234A interest for a delayed income tax return.
- [Leave Balance Calculator (PTO Calculator) | GSTCalculators.in](https://www.gstcalculators.in/okf/tools/leave-balance-calculator.md): Free leave balance and PTO calculator. Estimate monthly leave accrual, leave taken, carried forward days, current balance and projected year-end balance.
- [Leave Encashment Calculator](https://www.gstcalculators.in/okf/tools/leave-encashment-calculator.md): Free leave encashment calculator — estimate encashment amount and tax exemption on unused leave for government and private employees.
- [LIC Calculator](https://www.gstcalculators.in/okf/tools/lic-calculator.md): Estimate LIC policy maturity value from premium, term and expected bonus. See what an endowment policy actually returns.
- [Loan Comparison Calculator](https://www.gstcalculators.in/okf/tools/loan-comparison-calculator.md): Compare 2 or 3 loans side by side: monthly EMI, interest, upfront fees and total cost.
- [Loan Eligibility Calculator](https://www.gstcalculators.in/okf/tools/loan-eligibility-calculator.md): Free loan eligibility calculator — estimate the maximum loan amount you qualify for based on income, existing EMIs, and FOIR.
- [Loan Prepayment / Foreclosure Calculator](https://www.gstcalculators.in/okf/tools/loan-prepayment-calculator.md): Free loan prepayment calculator — see how much interest you save and whether your tenure or EMI drops after a lump-sum prepayment.
- [Lumpsum Investment Calculator](https://www.gstcalculators.in/okf/tools/lumpsum-calculator.md): Free lumpsum investment calculator — estimate the future value of a one-time mutual fund or investment amount at your expected return rate.
- [Monthly GST Summary — Working Report Lite Version](https://www.gstcalculators.in/okf/tools/monthly-gst-summary-lite.md): Prepare a private monthly GST working summary with sales, purchases, input tax credit and payment estimates before reviewing figures for filing.
- [Mutual Fund Calculator](https://www.gstcalculators.in/okf/tools/mutual-fund-calculator.md): Calculate mutual fund returns for lumpsum or SIP investments, with total invested and estimated gains.
- [Net Worth Calculator](https://www.gstcalculators.in/okf/tools/net-worth-calculator.md): Free net worth calculator — add up your assets and liabilities to see your current net worth, with a full category breakdown.
- [NPS Calculator](https://www.gstcalculators.in/okf/tools/nps-calculator.md): Estimate your National Pension System corpus at retirement, the lump sum you can withdraw and the annuity portion.
- [NRI Tax Toolkit: Rent, TDS & DTAA Relief](https://www.gstcalculators.in/okf/tools/nri-tax-toolkit.md): Use NRI Tax Toolkit on GSTCalculators.in. Free, browser-based guidance and practical tools for users in India.
- [NSC Calculator](https://www.gstcalculators.in/okf/tools/nsc-calculator.md): Free NSC calculator — work out your National Savings Certificate maturity value over its fixed 5-year tenure.
- [Pension Calculator](https://www.gstcalculators.in/okf/tools/pension-calculator.md): Estimate your monthly pension under the old pension scheme or NPS, based on service years and contributions.
- [Percentage Calculator](https://www.gstcalculators.in/okf/tools/percentage-calculator.md): Free percentage calculator with 8 modes. Calculate percentages, increase or decrease, reverse percentages, differences, discounts and marks with formulas and worked steps.
- [Personal Loan Calculator](https://www.gstcalculators.in/okf/tools/personal-loan-calculator.md): Calculate personal loan EMI, total interest and repayment. Personal loans are unsecured, so rates run higher than secured lending.
- [Place of Supply Finder](https://www.gstcalculators.in/okf/tools/place-of-supply-finder.md): Free place of supply finder for GST — decide whether a transaction attracts CGST+SGST or IGST, covering goods, services and exports.
- [PPF Calculator](https://www.gstcalculators.in/okf/tools/ppf-calculator.md): Calculate PPF maturity value and total interest on your yearly contribution. PPF rates are notified quarterly by the Ministry of Finance.
- [Karnataka Professional Tax Calculator – FY 2026-27](https://www.gstcalculators.in/okf/tools/professional-tax-calculator.md): Karnataka professional tax is ₹200/month above ₹25,000 salary (₹300 in February). Free PT calculator for FY 2026-27 — instant and no signup needed.
- [Property Purchase TDS Calculator](https://www.gstcalculators.in/okf/tools/property-purchase-tds-calculator.md): Use Property Purchase TDS Calculator on GSTCalculators.in. Free, browser-based guidance and practical tools for users in India.
- [RD (Recurring Deposit) Calculator](https://www.gstcalculators.in/okf/tools/rd-calculator.md): Free RD (Recurring Deposit) calculator — work out your maturity amount, total invested and interest earned on monthly RD deposits.
- [Real Estate Calculator](https://www.gstcalculators.in/okf/tools/real-estate-calculator.md): Estimate total property cost including stamp duty and registration, and project appreciation.
- [Rent vs Buy Calculator](https://www.gstcalculators.in/okf/tools/rent-vs-buy-calculator.md): Free rent vs buy calculator — compare the total cost of renting versus buying a home over your chosen time horizon.
- [Rental Income Tax + TDS Calculator](https://www.gstcalculators.in/okf/tools/rental-income-tax-calculator.md): Use Rental Income Tax + TDS Calculator on GSTCalculators.in. Free, browser-based guidance and practical tools for users in India.
- [Rental Yield Calculator](https://www.gstcalculators.in/okf/tools/rental-yield-calculator.md): Calculate gross and net rental yield after vacancy, maintenance and property-tax assumptions.
- [Retirement Calculator](https://www.gstcalculators.in/okf/tools/retirement-calculator.md): Work out the retirement corpus you need and the monthly saving required to reach it, adjusted for the years you have left.
- [Reverse GST Calculator](https://www.gstcalculators.in/okf/tools/reverse-gst-calculator.md): Free reverse GST calculator — extract the base price and GST amount from a GST-inclusive total. Instant CGST/SGST breakdown.
- [Salary / CTC to In-Hand Calculator](https://www.gstcalculators.in/okf/tools/salary-calculator.md): Free salary calculator — convert your annual CTC to monthly in-hand pay. Breaks down Basic, HRA, PF, gratuity and professional tax deductions.
- [Salary Hike Percentage Calculator](https://www.gstcalculators.in/okf/tools/salary-hike-calculator.md): Free salary hike calculator — instantly find your percentage increase, absolute raise, and monthly gain between old and new CTC.
- [SCSS Calculator](https://www.gstcalculators.in/okf/tools/scss-calculator.md): Free SCSS calculator — estimate quarterly interest payouts and total returns from the Senior Citizen Savings Scheme.
- [Shift Handover Checklist | GSTCalculators.in](https://www.gstcalculators.in/okf/tools/shift-handover-checklist.md): Prepare a printable shift handover checklist with tasks, notes and sign-off. Saved locally in your browser.
- [Shift Planner | GSTCalculators.in](https://www.gstcalculators.in/okf/tools/shift-planner.md): Plan staff shifts, total scheduled hours, and export schedules as CSV in your browser.
- [SIP Calculator](https://www.gstcalculators.in/okf/tools/sip-calculator.md): Calculate the maturity value of your monthly SIP, total invested and estimated gains. Free SIP return calculator for Indian mutual funds.
- [SIP Calculator with Capital Gains Tax](https://www.gstcalculators.in/okf/tools/sip-tax-calculator.md): Calculate an estimated post-tax SIP maturity value, LTCG and inflation-adjusted return.
- [Step-Up SIP Calculator](https://www.gstcalculators.in/okf/tools/step-up-sip-calculator.md): Free Step-Up SIP calculator — see how annually increasing your SIP amount builds a larger corpus than a flat monthly SIP.
- [Stock Average (BoD) Calculator](https://www.gstcalculators.in/okf/tools/stock-average-calculator.md): Calculate weighted stock average buy price with optional brokerage.
- [Sukanya Samriddhi Yojana Calculator](https://www.gstcalculators.in/okf/tools/sukanya-samriddhi-calculator.md): Calculate Sukanya Samriddhi Yojana maturity value, yearly deposits and interest with a clear savings schedule for your daughter’s education goals.
- [SWP Calculator](https://www.gstcalculators.in/okf/tools/swp-calculator.md): Project systematic withdrawals, corpus balance and depletion timing.
- [TDS Calculator](https://www.gstcalculators.in/okf/tools/tds-calculator.md): Free TDS calculator for India — professional fees, contractor payments, rent, commission and interest. Covers PAN vs no-PAN rates and current thresholds.
- [TDS on Rent Calculator](https://www.gstcalculators.in/okf/tools/tds-rent-calculator.md): Estimate TDS on rent under Sections 194-I and 194-IB, including PAN and tenant type.
- [Travel Cost Calculator](https://www.gstcalculators.in/okf/tools/travel-cost-calculator.md): Estimate total trip cost across travel, stay, food and activities, per person or for a group.
- [Two-Wheeler / Used Car Loan Calculator](https://www.gstcalculators.in/okf/tools/two-wheeler-used-car-loan-calculator.md): Free two-wheeler and used car loan EMI calculator — calculate monthly EMI, total interest and repayment for bikes and pre-owned cars.
- [ULIP Calculator](https://www.gstcalculators.in/okf/tools/ulip-calculator.md): Estimate ULIP fund value after charges. ULIPs bundle insurance and investment, and the charges matter more than the headline return.
- [Unit Conversion Calculator](https://www.gstcalculators.in/okf/tools/unit-converter.md): Convert cm to inches, kg to lbs, mm to inches and inches to cm. Free instant unit converter with reverse conversions, formulas, steps and common conversion tables.
- [Wedding Cost Calculator](https://www.gstcalculators.in/okf/tools/wedding-cost-calculator.md): Plan and estimate an Indian wedding budget across venue, catering, jewellery and other heads.
- [XIRR Calculator](https://www.gstcalculators.in/okf/tools/xirr-calculator.md): Calculate annualised XIRR from dated investments and redemptions.

## Complete bundle

- [Combined summaries](https://www.gstcalculators.in/llms-full.txt): all generated Markdown in one file.
- [Manifest](https://www.gstcalculators.in/okf/manifest.json): machine-readable catalogue.
- [Human calculator directory](https://www.gstcalculators.in/all-calculators.html).