Precision Financial Utilities Built for
Indian Citizens & Professionals
Accurate, instant, and privacy-respecting financial & tax utilities. Zero sign-up required, zero ads, and engineered with complete statutory precision for FY 2024-25.
UPI QR Code Generator
Generate instant, direct UPI payment QR codes for Google Pay, PhonePe, and Paytm. Zero merchant fees, no bank mediation, 100% privacy.
Salary Slip Generator
Generate corporate payslips with basic, HRA, allowances, PF, ESI, Professional Tax, and net take-home in words. Instant PDF & print.
Rent Agreement Generator
Draft standardized 11-month residential rental agreements with customizable clauses, notice terms, and state stamp duty advisories.
Society Maintenance Calculator
Calculate apartment RWA maintenance bills with per sq.ft., parking, sinking fund, and CBIC ₹7,500/month GST exemption check.
Salary & In-Hand Calculator
Compute exact monthly take-home salary, Employee EPF, Employer PF, Professional Tax, and TDS with Budget 2024 ₹75,000 standard deduction.
Mutual Fund SIP Calculator
Forecast wealth accumulation, compound growth, and total deposited capital for monthly or quarterly mutual fund SIPs.
EMI Loan Calculator
Calculate monthly EMI, total interest, and prepayment savings for home, car, and personal loans with complete amortization schedule.
GST Goods & Services Tax
Calculate GST inclusive and exclusive prices with 5%, 12%, 18%, and 28% slabs. Includes CGST, SGST, and IGST breakdowns.
Fixed Deposit (FD) Calculator
Determine bank FD maturity returns with RBI quarterly compounding, senior citizen preferential rates (+0.5%), and Section 194A TDS alerts.
Public Provident Fund (PPF)
Simulate 15-year PPF maturity wealth at 7.1% p.a., honoring the official 5th-of-the-month deposit interest credit rule.
HRA Exemption Calculator
Determine exact tax-exempt House Rent Allowance under Section 10(13A) with 3-condition Rule 2A check and Metro vs Non-Metro limits.
Gratuity Calculator
Compute statutory gratuity payout based on continuous service tenure, 15/26 formula, 6-month rounding, and ₹20 Lakh tax exemption cap.
Salary Hike & Appraisal
Evaluate appraisal increments or job offers. Calculate new monthly take-home, net monthly increase, and variable pay splits.
Reverse CTC Calculator
Know your desired monthly in-hand cash? Reverse solve the exact minimum annual CTC package you must negotiate in interviews.
Income Tax New vs Old
Compare exact tax liabilities between Budget 2024 New Regime and Old Regime. Find your exact breakeven deduction threshold.
Home Loan EMI & LTV
Calculate home loan EMI, LTV ratio, down payment impact, processing fees, and full year-by-year amortization schedule.
Car Loan EMI & Down Payment
Calculate auto loan EMI, on-road down payment impact, bank processing fees, and total upfront cash required.
Personal Loan & Net Cash
Calculate monthly personal loan installments, bank processing fees, and net disbursed cash credited to your account.
Loan Eligibility & FOIR
Evaluate your home or personal loan eligibility based on monthly salary, existing EMIs, and bank FOIR guidelines.
Loan Prepayment & Foreclosure
Simulate part-prepayments or foreclosure to calculate interest saved and months shaved off your loan tenure.
Loan Amortization Schedule
Generate comprehensive monthly and yearly repayment schedules with opening balance, EMI, principal, interest, and closing balance.
Lumpsum Mutual Fund Calculator
Calculate maturity returns and wealth gains on one-time mutual fund investments with compounding interest and inflation adjustment.
Step-Up (Top-Up) SIP Calculator
Discover how stepping up monthly SIP contributions annually by 5%-15% with your salary appraisal supercharges your wealth.
Compound Interest Calculator
Calculate compound interest, effective annual rate (EAR), and regular deposits across daily, monthly, quarterly, and annual compounding cycles.
Recurring Deposit (RD) Calculator
Determine bank and Post Office RD maturity payouts with official RBI quarterly compounding standard and Section 194A TDS threshold alerts.
CAGR Calculator
Calculate Compound Annual Growth Rate (CAGR), absolute return %, and wealth gain across any holding duration including fractional years.
XIRR Portfolio Calculator
Calculate true money-weighted annualized returns (XIRR) on mutual fund SIPs, irregular stock trades, and sales using Newton-Raphson method.
Inflation & Purchasing Power
Forecast how CPI inflation escalates future living costs and depletes money purchasing power over 5 to 40 years.
Retirement Corpus Planner
Calculate the retirement nest egg and monthly investment required in India based on life expectancy, inflation, and post-retirement returns.
TDS Calculator FY 2024-25
Compute Tax Deducted at Source (TDS) under Sections 194J, 194C, 194I, 194H, and 194A with PAN compliance penalty checks.
EPF Calculator 2024-25
Calculate your EPF corpus at age 58 with 8.25% interest rate, 12% employee/employer split, and EPS pension.
Professional Tax Calculator
Calculate state-wise Professional Tax (PT) for Maharashtra, Karnataka, West Bengal, Tamil Nadu, and exempt states with Section 16(iii) deduction.
Capital Gains Tax Calculator
Calculate LTCG and STCG on equity, mutual funds, real estate, and gold under new Budget 2024 rates (12.5% LTCG, 20% STCG).
80C Tax Saving Calculator
Maximize your ₹1.5 Lakh Section 80C deductions across EPF, PPF, ELSS, insurance, and tuition fees to save up to ₹46,800 in taxes.
Advance Tax Calculator
Calculate quarterly advance tax installments (15%, 45%, 75%, 100%) under Section 208 with TDS credit adjustments.
Old vs New Tax Regime Calculator
Objective side-by-side comparison of Old vs New Tax Regime for FY 2024-25 with ₹75,000 standard deduction and break-even point.
Salary Increment Calculator
Calculate post-appraisal salary hike, revised monthly in-hand pay, post-tax incremental gain, and real inflation-adjusted raise.
Percentage Calculator
Solve what is X% of Y, X is what % of Y, and percentage difference with full step-by-step arithmetic transparency.
Percentage Increase / Decrease
Compute relative growth, percentage decrease, and rupee difference between initial and revised benchmark values.
Discount Calculator
Calculate instant rupee savings, discounted purchase price, and sequential double-discounts without guessing.
Profit Margin Calculator
Calculate gross profit, profit margin percentage, and cost share from revenue and costs with explicit loss handling.
Markup Calculator
Calculate target selling price from unit cost and markup %, or find markup on cost with margin comparisons.
Break-Even Calculator
Determine the minimum unit sales volume and revenue required to fully cover fixed overhead, with target profit analysis.
ROI Calculator
Evaluate simple and transparent Return on Investment (ROI) and net gain/loss across ventures with additional costs.
GST Tax Invoice Generator
Create standardized GST tax invoices with line item discounts, CGST/SGST vs IGST split, and Indian currency words.
Rent Receipt Generator
Generate monthly or annual rent receipts with landlord PAN validation alerts and ₹1 revenue stamp markers for HRA tax exemption claims.
Salary Certificate Generator
Draft official corporate employment and income verification certificates for visa applications, home loans, and credit cards.
Electricity Bill Calculator
Calculate monthly electricity power bills across MSEDCL, Delhi, BESCOM, TANGEDCO, and UPPCL progressive slab structures.
Fuel Cost & Carpool Calculator
Estimate trip travel costs, cost per km, and passenger split for Petrol, Diesel, CNG, and Electric Vehicles across India.
Age Calculator Online
Calculate exact age in years, months, days, total weeks, and hours. Includes leap year accuracy, next birthday countdown, and zodiac sign.
Zero Latency Engine
Calculations run synchronously in your browser through our isolated pure TypeScript engine. No waiting for round-trip network latency.
Statutory Accuracy
Formulas are strictly verified against the Income Tax Act of India, Union Budget 2024 provisions, EPFO rules, and the Payment of Gratuity Act.
Privacy First
Your financial inputs are processed locally on your device. We do not store, log, or sell your private salary, loan, or investment data.