GST and EMI calculators every Indian business needs

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.