Free Business Tools

🏦 Business Loan EMI

Calculate monthly EMI, total interest and total repayment for any business loan .

🪙 MUDRA Loan

Find your MUDRA category (Shishu, Kishore, Tarun, Tarun Plus), EMI and the documents banks typically ask for.

📉 Subvention Savings

See exactly how much a 2–3% government interest subvention saves you over the loan tenure.

⚖️ DSCR

The ratio every bank checks before sanctioning a business loan .

🛡️ CGTMSE Fee

Annual guarantee fee for collateral-free CGTMSE-covered loans up to ₹5 crore, with concession categories.

💳 EMI Calculator

Calculate the EMI, total interest and year-wise amortisation schedule for any home, car, personal or business loan.

🏡 Home Loan EMI

Calculate home loan EMI and total interest, and see how a one-time or yearly prepayment cuts interest and tenure.

🚗 Car Loan EMI

Calculate car loan EMI from the on-road price and down payment, with total interest and the full cost of the car.

🤝 Personal Loan EMI

Calculate personal loan EMI, total interest and the effective annual cost once the processing fee is included.

📏 Loan Eligibility

Find the maximum loan amount and EMI you can afford from your income, existing EMIs, interest rate and tenure.

🏦 MPBF (Tandon)

The bank's own working-capital arithmetic: Tandon Committee second method (25 % margin on current assets) and the Nayak turnover method (20 % of projected turnover) .

⚖️ EMI vs Lease

Compare buying a machine or vehicle on a loan with leasing it: EMIs, interest, depreciation and interest tax shields, residual value and the after-tax cost of each route.

💳 Invoice Discounting Cost

What early payment on an invoice really costs: interest on the advance, processing fee and the effective annual rate .

📈 SIP Calculator

Estimate the maturity value and returns of a monthly mutual fund SIP, with an optional yearly step-up.

💵 Lumpsum Calculator

Calculate what a one-time lumpsum investment in a mutual fund could grow to at your expected annual return.

🏁 Goal SIP Calculator

Find the monthly SIP you need to reach a target amount, such as ₹1 crore, in a given number of years.

🔒 FD Calculator

Calculate FD maturity amount and interest with quarterly, monthly, half-yearly or yearly compounding, as Indian banks do.

🗓️ RD Calculator

Calculate recurring deposit maturity value and interest on your monthly instalments with quarterly compounding.

🏛️ PPF Calculator

Project your PPF maturity value and interest with a year-wise table, for 15 years or with 5-year extensions.

💼 EPF Calculator

Estimate your EPF corpus at retirement from basic salary, contributions, salary growth and the EPF interest rate.

🧓 NPS Calculator

Estimate your NPS corpus at retirement, the lump sum you can withdraw and the monthly pension from the annuity.

👧 Sukanya Samriddhi

Calculate Sukanya Samriddhi Yojana maturity value with a year-wise table of deposits, interest and balance.

📐 CAGR Calculator

Calculate the compound annual growth rate (CAGR) and absolute return of any investment or business metric.

🔢 Simple Interest

Calculate simple interest and the total amount for any principal, rate and period in years, months or days.

🌱 Compound Interest

Calculate compound interest, total amount and effective annual rate with yearly to daily compounding.

🎈 Inflation Calculator

See what today's expenses will cost in future, and what a future amount is worth in today's money.

🧮 Old vs New Regime

Compare your income tax under the old regime (with deductions) and the new regime (lower slabs, ₹75,000 standard deduction, rebate up to ₹12 lakh) and see which saves more.

🔎 TDS Rate Finder

Look up the TDS section, rate and threshold for contractor, professional, rent, commission and purchase-of-goods payments, with the higher rate when PAN is missing.

✂️ TDS Calculator

How much tax to deduct on a payment under 194C, 194J, 194I, 194H or 194Q, whether the threshold is crossed, and the net amount to pay.

📅 Advance Tax Planner

Your four advance-tax instalments (15 % / 45 % / 75 % / 100 %) from the estimated tax, what is already paid, the shortfall and the 234C interest it attracts.

📊 Capital Gains

Short-term or long-term? Tax on gains from listed shares and equity funds or from property, gold and unlisted shares at the rates in force since 23 July 2024, with the ₹1.

✅ GST Composition Check

Can you opt for the composition scheme? Turnover limits for goods, services and special-category states, the disqualifying conditions and the tax you would pay on turnover.

💼 Salary Hike

Calculate your new CTC after a percentage hike and the monthly difference, or find the hike percentage between your old and new salary.

🗓️ Financial Year Finder

Enter any date to find its Indian financial year, assessment year, FY quarter and the days left until 31 March, for invoices and tax forms.

🎁 PMEGP Subsidy

Exact margin-money subsidy (15–35%) on your PMEGP project cost by sector, location and category.

🎯 Scheme Eligibility

Answer a few questions and instantly see which government schemes, loans and subsidies match your business .

🏭 MSME Classification

Micro, Small or Medium? Check against the revised FY 2025-26 investment and turnover limits, and what benefits unlock.

🚀 DPIIT Eligibility

5-question check for Startup India (DPIIT) recognition .

🧾 GST Calculator

Add or remove GST at any rate with instant CGST/SGST/IGST split.

🔄 Working Capital

Operating-cycle method banks use: inventory days + receivable days − payable days → your real working-capital need.

📊 Break-even

How many units per month until profit? Break-even units, revenue and per-unit margin.

🧮 Startup Cost

Editable setup-cost templates for retail, food processing, manufacturing, services, cloud kitchen and tech startups.

💱 Currency Converter

Convert between the rupee and major currencies at live reference rates .

💰 Gratuity Calculator

Calculate the gratuity payable to an employee under the Payment of Gratuity Act, 1972, with the tax-exempt limit.

🏠 HRA Exemption

Work out your tax-exempt House Rent Allowance under Section 10(13A) .

⏰ GST Late Fee

Estimate the late fee and 18% interest on a delayed GSTR-3B or GSTR-1 filing, so there are no surprises.

⏳ MSME 45-Day Rule

Find the last date to pay a micro or small enterprise under the MSME 45-day rule, days overdue and interest at three times the RBI bank rate.

💹 ROI Calculator

Calculate return on investment and annualised ROI from the amount invested, the amount returned and the holding period, to compare options.

📉 Depreciation (WDV vs SLM)

Year-wise depreciation on plant, computers, buildings, furniture or vehicles under the Income-tax written-down-value rates and the Companies Act straight-line useful lives, side by side.

🧾 CTC Breakup

Turn a CTC into a monthly structure with basic, HRA, employer and employee PF and ESI at the notified rates, gratuity provision and the take-home before tax.

⏳ Cash Runway

How many months your cash lasts at the current burn, with growing collections .

🏷️ Pricing Planner

Set a selling price from cost and the margin you want, see the markup it implies and the GST-inclusive shelf price .

📦 Inventory Turnover

Inventory turnover ratio and days of inventory from cost of goods sold and average stock .

📈 ROCE & ROE

Return on capital employed and return on equity from your P&L and balance sheet .

🧮 Cost of Capital (WACC)

Your blended cost of capital from the equity and debt mix, the cost of each and the tax shield on interest .

🎯 IRR & NPV

Enter the investment and the yearly cash flows to get the internal rate of return, the net present value at your hurdle rate and the payback period.

✍️ Amount in Words

Convert any rupee amount into words in the Indian system of lakh and crore, with paise, for cheques, invoices and receipts.

➗ Percentage Calculator

Work out X% of a number, what percent one number is of another, and the percentage increase or decrease between two values in one place.

🛍️ Discount Calculator

Find the sale price and the amount saved after a discount, stack a second discount correctly, and add GST on the discounted price in seconds.

📈 Profit Margin

Calculate profit, margin % and markup % from cost and selling price, or find the selling price for a target margin or markup on your product.

📲 UPI QR Generator

Create a UPI QR code from your UPI ID with payee name, optional amount and note.

🎂 Age Calculator

Calculate exact age from date of birth in years, months and days, as on today or any cut-off date, with total days and the next birthday.

📅 Date Difference

Count the days between two dates in calendar days, weeks and working days, or add and subtract days from a date to find a due date.

📐 Area Converter

Convert land and property area between square feet, square metres, square yards, acres, hectares, cents, guntha and grounds instantly.

🖨️ Invoice Generator

Make a clean GST tax invoice with CGST/SGST or IGST and print or save as PDF .

💪 Readiness Quiz

8 quick questions → your funding-readiness grade (A to D) with exactly what to fix before applying.

📋 Document Checklist

Your personalised loan/scheme document checklist by entity type and funding purpose .

🚦 Rejection Risk Check

Before you apply, see why applications like yours get rejected .

📝 Instant Documents

Generate premium, ready-to-sign PDFs in seconds .

✅ GST Verify

Instantly check if a GSTIN is valid .

🏦 IFSC Lookup

Find the bank, branch, address and NEFT/RTGS/IMPS/UPI support for any IFSC code .

📍 PIN Code Lookup

Enter any 6-digit Indian PIN code to get the city, district, state and every post office .

™️ Trademark Class Finder

Find the right trademark class for your goods or services .

🔎 HSN / SAC Finder

Search HSN codes for goods and SAC codes for services with their GST rates .

🏷️ Company Name Check

Check your proposed company or LLP name against MCA naming rules before you file .

🗺️ GST State Codes

Complete list of GST state codes, the first two digits of every GSTIN, for all states and UTs.

🆔 PAN Format Checker

Check whether a PAN follows the correct 10-character format and decode the holder type from its 4th character, privately in your browser.

📄 Quotation Maker

Make a clean, numbered quotation with line items, GST, validity and terms, then print or save as PDF .

💡 Business Name Ideas

Turn two or three keywords into twenty name ideas, then run the MCA name pre-check and the trademark class finder before you decide.

🗓️ Cheque Bounce Timeline

From the return memo date: the last day to send the Section 138 demand, the 15-day payment window and the complaint deadline .