7 Interactive Financial Utilities

Tools & Calculators for Business Finance

Free, zero-signup estimation tools designed for Indian business owners, finance teams, and individual taxpayers to quickly estimate GST, TDS, SIP returns, EMI, and statutory obligations.

01. GST Rate 02. TDS Deduction 03. SIP Calculator 04. Advance Tax 05. Loan EMI 06. Cash Flow 07. HRA Exemption

Indirect Taxation

GST Rate & Tax Amount Calculator

Compute net taxable value, CGST, SGST, IGST, and total invoice value across all standard GST slabs (5%, 12%, 18%, 28%).

GST Amount Calculator

Calculate taxable value, CGST, SGST, or IGST instantly

Transaction Amount (₹)

₹

Select GST Rate Slab

Calculation Type

Net Taxable Amount ₹ 50,000.00

Total GST (18%) ₹ 9,000.00

CGST (50% of Tax) ₹ 4,500.00

SGST / UTGST (50% of Tax) ₹ 4,500.00

Total Invoice Amount ₹ 59,000.00

*Note: Illustrative arithmetic calculation for business estimation. Inter-state transactions attract integrated IGST equivalent to total GST.

Withholding Tax

TDS Rate & Deduction Calculator

Calculate accurate TDS deductions across Section 194C (contractors), 194J (professional/technical), 194I (rent), and 194H (commission).

Select Applicable Section

Invoice / Payment Amount (Excl. GST)

₹

Vendor's Valid PAN is available (Uncheck if PAN not provided — 20% applies under Sec 206AA)

💡 CBDT Rule: TDS is deducted only on the taxable value of invoice, excluding the GST component if shown separately.

TDS Computation Summary

Effective TDS Rate 10%

TDS to be Deducted ₹10,000

Net Amount to Vendor ₹90,000

Due Date for Payment: 7th of next month (30th April for March month).

Wealth & Investment Planning

Mutual Fund SIP Calculator

Calculate your projected returns on monthly Systematic Investment Plans (SIP) effortlessly. Visualize invested capital versus wealth gains over custom time horizons.

Monthly Investment

₹

₹500

₹1,00,000

Expected Return Rate (p.a.)

30%

Investment Time Period

1 Year

30 Years

Projected Corpus Compound Monthly

Total Maturity Value

₹23,23,391

Invested Amount

₹12,00,000

Est. Wealth Gain

₹11,23,391

Invested (52%) Returns (48%)

Plan Corporate SIP with Advisor

Statutory Deadlines

Advance Tax Installment Schedule Calculator

Compute the 4 mandatory quarterly installments (15%, 45%, 75%, 100%) to prevent penal interest under Sections 234B & 234C.

Estimated Total Income Tax for the FY (₹)

₹

TDS / TCS Already Deducted by Clients / Banks (₹)

₹

⚠️ Statutory Applicability: If your net estimated tax liability after TDS exceeds ₹10,000, paying advance tax in 4 quarterly installments is mandatory under Section 208 to avoid interest under 234B & 234C.

Net Advance Tax Payable ₹1,20,000

Mandatory

1st Installment (15%)

Due by 15 June

₹18,000

2nd Installment (Cum. 45%)

Due by 15 September

₹36,000 (adds up to ₹54,000)

3rd Installment (Cum. 75%)

Due by 15 December

₹36,000 (adds up to ₹90,000)

4th Installment (Cum. 100%)

Due by 15 March

₹30,000 (adds up to ₹1,20,000)

Debt & Banking

Business Loan EMI & Interest Calculator

Estimate monthly installments, total interest charges, and total loan repayment schedules for machinery, working capital, or term loans.

Business Loan EMI Calculator

Estimate monthly installments for term loans and equipment finance

Loan Amount (₹) ₹ 10,00,000

Annual Interest Rate (%) 10.5%

Tenure (Years) 5 Years (60 Months)

Indicative Monthly EMI ₹ 21,494

Total Interest Payable ₹ 2,89,634

Total Repayment Amount ₹ 12,89,634

*Note: Indicative calculation based on monthly compounding. Bank loan terms, processing fees, and final EMI amounts are subject to lender sanctions.

Liquidity Management

Monthly Business Cash-Flow Estimator

Project operational customer inflows against recurring overheads, vendor payouts, and payroll to forecast month-end cash position.

Business Cash-Flow Estimator

Forecast monthly liquidity and net operational cash runway

Opening Bank & Cash Balance (₹)

Projected Monthly Inflows

Debtor / Client Collections

Direct Cash / Counter Sales

Projected Monthly Outflows

Supplier Payments

Salaries & Wages

Rent, Taxes & Bills

Total Inflows ₹ 9,50,000

Total Outflows ₹ 7,80,000

Projected Closing Balance Net Cash Positive

₹ 4,20,000

Salary & Payroll

HRA Exemption Calculator (Sec 10(13A))

Determine statutory tax-free House Rent Allowance under Rule 2A based on Basic Salary, actual rent paid, and Metro vs Non-Metro location.

Annual Basic Salary (₹)

Annual HRA Received (₹)

Total Annual Rent Paid (₹)

Accommodation Location

💡 Rule 2A: Exemption is the lowest of: (1) Actual HRA received, (2) 50%/40% of Basic salary, or (3) Rent paid minus 10% of Basic salary.

HRA Exemption Result

Exempt from Tax (Sec 10(13A)) ₹1,20,000

Taxable HRA Added to Salary ₹1,20,000

Note: If annual rent exceeds ₹1,00,000, quoting Landlord's PAN is mandatory to claim this deduction.

Readiness Checklists

Standard Business Document Checklists

Essential paperwork required before initiating common statutory filings.

01 GST Registration

✓ PAN card of business / promoter
✓ Aadhaar card & passport photo
✓ Electricity bill of business premises
✓ Rent agreement & NOC from landlord
✓ Cancelled cheque / bank statement

02 Pvt Ltd Incorporation

✓ PAN & ID proofs of 2 directors
✓ Address proofs (Voter ID / Passport)
✓ Digital Signature Certificate (DSC)
✓ Registered office proof with NOC
✓ MOA & AOA charter objects

03 CMA Data for Bank Limit

✓ Last 3 years finalized financial statements
✓ Current year provisional numbers
✓ Projected financial statements
✓ Sanction letter of existing credit
✓ Last 12 months primary bank statement

Need a Tailored Financial Model or Tax Assessment?

Beyond free calculators, our senior advisors deliver verified bank CMA project reports, proactive corporate tax structuring, and dedicated Virtual CFO oversight.

Consult with Advisory Team