Free Financial Calculators for India
Calculate GST, EMI, Loans, Salary & Tax Instantly - 100% Free, Accurate & Mobile-Friendly
Start Calculating NowWhy Financial Calculators Matter for Every Indian
In today's fast-paced financial landscape, making informed decisions about your money is more critical than ever. Whether you're a small business owner calculating GST compliance, a salaried professional planning your monthly budget, or someone considering a home loan, accurate financial calculations form the foundation of smart money management. Financial calculators have become indispensable tools that empower Indians across all economic backgrounds to take control of their financial future.
The complexity of India's tax system, with its multiple GST slabs, income tax regimes, and various financial regulations, can be overwhelming for the average person. Manual calculations are not only time-consuming but also prone to errors that could cost you money or lead to compliance issues. This is where specialized financial calculators step in as your trusted companions, providing instant, accurate results that you can rely on for everything from filing your GST returns to planning your retirement savings.
CalcGST.com was created with a simple mission: to democratize financial literacy and planning for every Indian. We understand that not everyone has access to expensive chartered accountants or financial advisors for everyday calculations. Our suite of free, professional-grade calculators brings institutional-quality financial tools to your fingertips, whether you're accessing them from your smartphone while commuting or from your office desktop during lunch break.
What sets our calculators apart is their focus on the Indian context. Unlike generic international tools, our calculators account for India-specific factors like GST rates (5%, 12%, 18%, 28%), provident fund deductions, professional tax, and the choice between old and new income tax regimes. We've designed each calculator with the real-world needs of Indian users in mind, ensuring that the results you get are not just mathematically accurate but also practically applicable to your specific financial situation.
Using financial calculators regularly cultivates better money habits. When you can instantly see how a slightly lower interest rate reduces your total loan repayment by lakhs, or how increasing your SIP contribution by just ₹2,000 per month compounds over decades, you become more motivated to optimize your finances. Our tools transform abstract financial concepts into concrete numbers that drive action, helping you negotiate better with banks, plan tax-saving investments before the deadline, and budget more effectively for major life goals like education, marriage, or homeownership.
Our Free Financial Calculators
GST Calculator
Calculate GST amounts instantly with our comprehensive GST calculator designed specifically for Indian businesses and consumers. Whether you need to add GST to your base price or extract GST from the final price, our tool handles both scenarios effortlessly. Get detailed breakdowns showing CGST and SGST components for intra-state transactions or IGST for inter-state transactions. Perfect for invoice generation, compliance verification, and quick price quotations. Our calculator supports all GST rates including 0%, 5%, 12%, 18%, and 28%, making it suitable for every product and service category under Indian GST law. Save time on manual calculations and reduce errors in your billing process.
Calculate GST →Loan Calculator
Make informed borrowing decisions with our advanced loan calculator that shows you the complete financial picture of any loan. Enter your desired loan amount, interest rate, and tenure to instantly see your monthly EMI, total interest payable, and complete repayment amount. Our calculator works for all types of loans including home loans, personal loans, car loans, education loans, and business loans. Understanding your total interest burden helps you compare offers from different banks and NBFCs effectively. The calculator also helps you experiment with different scenarios—see how making a larger down payment or choosing a shorter tenure dramatically reduces your interest costs. Equipped with this knowledge, you can negotiate better terms with lenders and choose a loan structure that fits comfortably within your monthly budget without overextending your finances.
Calculate Loan →EMI Calculator
Plan your monthly finances better with our standalone EMI calculator that gives you precise equated monthly installment calculations in seconds. This tool is essential for anyone with existing loans or planning to take one, helping you understand exactly how much you'll need to set aside each month. Beyond just the EMI amount, our calculator provides a complete amortization overview showing how your payment is split between principal and interest components. This transparency is crucial for financial planning and tax purposes, as the interest component on home loans and education loans is often tax-deductible. Use this calculator to check if your current EMIs are correctly calculated by your lender, plan for prepayments strategically, or determine the affordable EMI range before you start loan shopping. With mobile-friendly design, you can calculate EMIs on the go, even while discussing loan options with bank representatives.
Calculate EMI →Salary Calculator
Understand your true take-home salary with our comprehensive salary calculator that accounts for all Indian statutory deductions. Simply enter your gross salary or CTC, and our calculator breaks down exactly what you'll receive in your bank account after accounting for provident fund contributions, professional tax, income tax withholding (TDS), and other deductions. This tool is invaluable during job negotiations—when an employer offers you a CTC package, you can immediately calculate what it means in terms of actual monthly income. The calculator also helps you compare job offers accurately, as a slightly lower CTC with better allowance structures might actually give you higher take-home pay. For freelancers and consultants, understanding salary structures helps in pricing your services competitively. Our calculator follows the latest PF rules and professional tax slabs for different states, ensuring your calculations reflect real-world scenarios accurately.
Calculate Salary →Income Tax Calculator
Navigate India's complex income tax landscape confidently with our dual-regime tax calculator that compares both old and new tax regimes side-by-side. With the Indian government offering taxpayers a choice between the traditional regime with deductions and the new simplified regime with lower rates, making the optimal choice can save you tens of thousands of rupees annually. Our calculator accounts for all major deductions under the old regime including 80C investments, HRA, home loan interest, medical insurance premiums, and more. It then compares your tax liability with the new regime to show clearly which option benefits you more. The calculator works for all income levels and includes the latest surcharge and cess calculations. Perfect for year-end tax planning, investment decisions, and ensuring you're not paying a rupee more than necessary. Stay updated with the latest budget changes as we update our calculator annually to reflect current tax laws.
Calculate Tax →Why Choose CalcGST Calculators
Instant Results
Get accurate calculations in milliseconds without any waiting or processing time.
Mobile Optimized
Works perfectly on all devices - smartphones, tablets, and desktops with responsive design.
100% Private
No data storage, no registration required. Your financial information stays completely private.
Always Accurate
Regularly updated formulas aligned with latest Indian financial regulations and tax laws.
Our commitment to excellence means every calculator undergoes rigorous testing to ensure precision. We understand that even small calculation errors can have significant financial implications, which is why our development team includes financial experts who verify every formula. Unlike many free calculators that provide only basic functionality, our tools offer institutional-grade accuracy that professionals trust for client consultations and business decisions.
What Our Users Say
"As a small business owner, the GST calculator has been a lifesaver. I use it daily for quotations and invoicing. The CGST/SGST breakdown feature is exactly what I needed for my accounting. Highly recommended for anyone dealing with GST compliance!"
"I was confused between the old and new tax regime until I used CalcGST's tax calculator. It clearly showed me that sticking with the old regime saves me ₹45,000 annually due to my 80C investments. This tool paid for itself—well, it's free, but you know what I mean!"
"The loan calculator helped me negotiate better terms with my bank. When I could show them exact numbers on total interest payable, I managed to get my home loan rate reduced by 0.25%, saving me over ₹3 lakhs over the loan tenure. Knowledge is truly power!"
The CalcGST Advantage
India-Specific Calculations
Every calculator is tailored for Indian tax laws, GST rates, and financial regulations. We don't just convert international tools—we build from scratch for Indian users.
Educational Content
Beyond just numbers, we provide context and explanations that help you understand the 'why' behind each calculation, improving your financial literacy.
Completely Free Forever
No hidden charges, no premium tiers, no feature locks. Every calculator is 100% free to use unlimited times without any registration or credit card requirements.
Regular Updates
We monitor budget announcements and regulatory changes, updating our calculators within 48 hours of any tax law or rate modifications to keep you compliant.
Start Making Smarter Financial Decisions Today
Join thousands of Indians who trust CalcGST for their daily financial calculations
Explore All Calculators