Tools that show you the real number
EMI, home loan, SIP, HRA, NPS, and income tax — plus a dedicated set of tools for freelancers and consultants billing overseas clients. Every calculation runs in your browser — nothing you type is sent anywhere, ever.
Personal finance calculators
EMI Calculator
Loan EMI, total interest, and what an extra monthly prepayment actually saves you.
Home Loan Calculator
EMI plus the Section 24(b)/80C tax benefit a plain EMI number leaves out — and what disappears under the new regime.
SIP Calculator
SIP growth with step-up support and inflation-adjusted real value, not just the nominal number.
HRA Exemption Calculator
The three-way minimum that determines your exempt HRA — and why it's zero under the new regime.
NPS Calculator
Corpus projection plus the mandatory 40% annuitization split most calculators skip.
Income Tax Calculator
Old vs. new regime, side by side, with HRA/80C/NPS deductions applied where each regime actually allows them.
For freelancers & consultants billing overseas clients
Foreign Payment Net-Realization Calculator
See what actually lands in your Indian account after fees, spread, and GST — compare providers side by side.
44ADA vs. Books-of-Accounts Comparator
Presumptive taxation vs. regular books for consultants — with the break-even expense ratio.
Advance Tax Scheduler
44ADA-aware advance tax due dates and 234B/234C interest, freelancer-specific.
Export-of-Services GST Checker
Do you need GST registration for overseas clients? LUT or pay-and-refund?
Export Invoice Generator
Compliant export invoices with SAC codes, LUT declaration, and RBI purpose codes — nothing leaves your browser.
Nothing you type here is sent anywhere
Every calculation runs entirely in your browser. No accounts, no sign-in, no server storing your income figures. These are calculators, not tax advice — always confirm anything you rely on with a qualified CA.