Indian Utility Calculators
High-precision financial, tax, and commercial calculators tailored for Indian trade, banking, cyber cafés, CSC centers, and citizens.
1 GST Inputs & Mode
Results are estimates for informational purposes. Actual GST liability may vary depending on HSN/SAC codes, reverse charge mechanism (RCM), and specific exemptions under the GST Act.
1 Loan Details
Results are estimates for informational purposes. Actual EMI and interest schedules may differ based on bank processing fees, compounding dates, advance EMIs, and floating interest rate adjustments.
1 Simple Interest Parameters
Results are estimates for informational purposes. Applicable TDS, rounding rules, or penalty clauses may apply to commercial or bank fixed returns.
1 Compounding Parameters
Results are estimates for informational purposes. Actual returns from Fixed Deposits (FD) or post office instruments depend on bank compounding policies and applicable income tax deductions.
1 Percentage Calculation Mode
Standard mathematical percentage formulation. Rounded to 2 decimal places.
1 Price & Discounts
Discounts are applied successively. Effective total discount may vary if flat coupons or minimum cart thresholds apply.
1 Trade Inputs
Commercial retail profit margin analysis. Operating overheads, packaging, or platform commission fees should be factored into net margins.
1 Salary & Tax Regime
Used for the Old Regime and for the regime comparison. Prof. Tax is deducted automatically; EPF counts inside the ₹1.5L 80C limit.
| Slab | Rate | Income in slab | Tax |
|---|
Results are estimates based on Indian Income Tax provisions for informational purposes. Actual in-hand pay and tax deductions depend on employer flexi-benefit structures, state PT rules, gratuity, and final Form 16 assessment.
1 SIP Investment Details
Results are estimates based on compounding formulas for informational purposes. Mutual fund investments are subject to market risks, and actual historical returns vary depending on NAV movements.
1 Fixed Deposit Parameters
Adds +0.50% extra interest rate in Indian banks
Results are estimates for informational purposes based on standard Indian bank quarterly compounding conventions. Final proceeds may be subject to Tax Deducted at Source (TDS) under Section 194A unless Form 15G/15H is submitted.
1 Recurring Deposit Parameters
Adds +0.50% extra interest in commercial banks
Results are estimates for informational purposes based on Reserve Bank of India quarterly compounding standards. Premature withdrawal penalties or TDS rules may apply according to bank/post-office guidelines.
1 Gold & Jewellery Parameters
Standard ₹45 + 18% GST = ₹53.10 per article
Rates are indicative based on benchmark market quotes. Jewellery making charges and wastage vary across jewelers (e.g. Tanishq, Kalyan, Malabar, local goldsmiths).
1 Pledge & Loan Parameters
Stone weights are strictly deducted by authorized bank appraisers before loan sanction. Monthly servicing keeps the loan account in standard status.
1 Indian Currency Note & Coin Tally
Rupees Zero Only
1 PPF Deposit Details
The Government resets the rate every quarter, so long projections assume today's rate continues. Partial withdrawals are allowed from year 7 and loans from year 3.
1 Salary & Rent (Monthly)
From FY 2026-27, Bengaluru, Hyderabad, Pune and Ahmedabad join Delhi, Mumbai, Kolkata and Chennai at 50%. Keep rent receipts; your employer needs the landlord's PAN when yearly rent is above ₹1 lakh.
1 Service & Salary
Gratuity under the Act is capped at ₹20 lakh. Private-sector employees can claim at most ₹20 lakh tax-free across their whole career; government employees' gratuity is fully exempt.