GST and EMI calculators every Indian business needs
From GST invoices to loan EMIs, these four calculations decide real money every single week. Get them right with tools built for Indian numbers.
GST: add or remove, correctly
The most common billing error in India is mixing up GST-exclusive and GST-inclusive amounts. Quoting ₹10,000 'plus GST' when you meant ₹10,000 inclusive changes your margin by 18%.
When your amount is exclusive of GST, you add the tax on top. When it is inclusive, you strip the tax out to find your base amount. The two are not interchangeable.
Our GST Calculator handles both directions at every slab rate — 0%, 5%, 12%, 18%, and 28% — so your invoice is right the first time.
EMIs: understand what you are really paying
A loan's headline rate hides the total cost. A ₹10,00,000 home loan at 8.5% over 20 years costs roughly ₹17,50,000 in interest alone — more than the loan itself.
Before you sign anything, run the numbers: monthly EMI, total interest, and total repayment. Our Loan EMI Calculator shows all three in one screen.
SIPs: the power of starting early
The same math works in your favour on the investment side. A ₹5,000 monthly SIP at 12% grows to roughly ₹11.6 lakh in 10 years, but over 20 years it crosses ₹50 lakh.
The magic isn't the rate — it's the time. Our SIP Calculator shows exactly how your monthly investment compounds.
Run the numbers before the meeting
Whether you are quoting a client, taking a loan, or planning an investment, do the math before you commit. These calculators take ten seconds and save you from ten-thousand-rupee mistakes.
Tax is one of the four calculations that decide most money decisions. The money math guide collects all four — loans, investments, tax, and pay — in one place.
Part of the Money guides.
Related tools
Related guides
The money math guide: loans, investments, tax, and pay
Four calculations decide most of your money — what a loan costs, what a SIP earns, how much tax sits on a price, and what your salary is worth per hour. Here is each one, the formula behind it, and the tool to run it.
MoneyLoan EMI: how much will you actually pay?
The headline interest rate tells you almost nothing about what a loan costs. Here is how EMI is calculated — and the two numbers that decide whether you are getting a good deal.
MoneySIP calculator: how much to invest monthly to reach your goal
The number that matters is not the return, it's the monthly amount. Here's how SIP compounding actually works, what it takes to reach ₹1 crore, and how to check your own plan in seconds.