Free Financial Calculators for Indian Professionals

22+ professional tools updated for FY 2026-27. Compare tax regimes, check offer letters, and plan your wealth. All processing happens locally in your browser.

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๐Ÿงฎ 22+ Tools
๐Ÿ“„ 36 Guides
โœจ 100% Free
๐Ÿ’ฐ Tax & Salary

For Salaried Employees

Optimize your income tax and understand your take-home pay. Fully updated for Budget 2026 rules.

๐Ÿ’ฐ Tax & Salary

Salary Take-Home Calculator

Compare old vs new tax regime. Calculate estimated in-hand salary with HRA, 80C, EPF and professional tax.

Updated 2026-27 Calculate โ†’
๐Ÿ“‹ Tax & Salary

CTC to In-Hand Calculator

Break down your CTC into a full monthly payslip. See every component including employer PF and gratuity.

Updated 2026-27 Calculate โ†’
๐Ÿ  Tax & Salary

HRA Exemption Calculator

Find how much of your HRA is tax-free. All three conditions calculated. Metro vs non-metro support.

Updated 2026-27 Calculate โ†’
๐Ÿ“„ Tax & Salary

Freelancer Tax (44ADA)

Presumptive tax for freelancers and consultants under โ‚น75L. Includes advance tax schedule.

Updated 2026-27 Calculate โ†’
๐Ÿ“… Tax & Salary

Notice Period Buyout Calculator

Calculate your daily rate, total buyout cost, and how much you save by serving vs buying out your notice period.

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๐Ÿ“Š Tax & Salary

Salary Benchmark Checker

Check P25/P50/P75/P90 salary bands for your role, experience, city, and company type. See where you stand.

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๐Ÿš€ Offers & Career

For Job Seekers & Career Growth

Evaluate job offers, startup equity, and career growth ROI.

๐Ÿ” Offers & Career

Offer Letter Red Flag Checker

Paste your offer letter and instantly flag bond clauses, clawback conditions, variable pay traps, non-competes and more.

Check Now โ†’
โš–๏ธ Offers & Career

Job Offer Comparator

Compare two offers on CTC, in-hand, ESOPs, WFH days, notice period, and growth. Weighted score + side-by-side table.

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๐Ÿ“ˆ Offers & Career

Startup Equity Calculator

See what your equity is worth at 3ร—, 5ร—, and 10ร— exit after dilution, vesting, and LTCG/STCG tax.

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๐Ÿ”„ Offers & Career

Career Switch ROI Calculator

Break-even month, 5-year and 10-year wealth comparison between switching careers vs staying in your current role.

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๐ŸŽ“ Offers & Career

MBA vs Job ROI Calculator

MBA, MTech, bootcamp, or stay? Compare opportunity cost, break-even year, and 10-year wealth for both paths.

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๐Ÿ“ˆ Investing

For Personal Finance & Investing

Plan your retirement and compare tax-saving investment instruments.

๐Ÿ“ˆ Investing

SIP + SWP Calculator

Calculate SIP returns with inflation adjustment. Plan SWP withdrawals and retirement corpus.

Updated 2026-27 Calculate โ†’
๐Ÿฆ Investing

NPS vs PPF vs ELSS

Side-by-side comparison of all three 80C instruments. Post-tax corpus and annual tax savings.

Updated 2026-27 Calculate โ†’
โšก Freelance

For Freelancers & Remote Workers

Calculators built for Indian freelancers, consultants, and remote engineers.

๐Ÿงพ Freelance

GST Invoice Generator

Create GST-compliant invoices with PDF download. Auto-calculates CGST/SGST vs IGST. Free forever.

PDF Export Updated 2026-27 Generate โ†’
๐Ÿ’ฑ Freelance

USD โ†’ INR Calculator

Exact INR after all fees โ€” Stripe, PayPal, Wise, SWIFT, Payoneer. See total transfer cost.

Updated 2026-27 Calculate โ†’
๐Ÿ“Š Freelance

ESOP & RSU Tax Calculator

Calculate perquisite tax at vesting + capital gains at sale. Listed and unlisted companies.

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๐ŸŽฏ Freelance

Freelancer Rate Calculator

Enter target monthly income โ†’ get hourly and project rates accounting for 44ADA tax, platform cut, and dry months.

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๐Ÿค– Freelance

LLM API Pricing Calculator

Price your AI projects with confidence. Supports GPT-4o, Claude, Gemini. INR conversion included.

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๐Ÿ  Life & Money

For Life's Big Financial Decisions

Practical calculators for everyday financial choices.

๐Ÿ“‰ Life & Money

Loan Affordability Checker

Enter all your EMIs and salary. Get FOIR score, new loan eligibility headroom, and which EMI to close first.

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๐Ÿ™๏ธ Life & Money

Monthly Cost of Living by City

Itemized rent, food, transport, and utilities estimates for Bangalore, Mumbai, Delhi, Hyderabad, Pune, Chennai.

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๐Ÿค Life & Money

Gratuity + F&F Calculator

Calculate gratuity eligibility and full & final settlement amount. New labour codes included.

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๐Ÿก Life & Money

Home Loan Eligibility

How much can you borrow? FOIR-based calculation with EMI breakdown and interest total.

Calculate โ†’

Latest In-Depth Guides

Tax and finance articles updated for FY 2026-27.

Tax

New Tax Regime India 2026-27: Complete Guide

New slabs, โ‚น75K standard deduction, 87A rebate, and who should switch.

๐Ÿ“… April 2026โฑ 6 min read
โ†’ Try Salary Calculator
Freelance

Section 44ADA: Presumptive Tax for Freelancers

Who qualifies, the โ‚น75L limit, 50% presumption rule, and advance tax.

๐Ÿ“… April 2026โฑ 7 min read
โ†’ Try 44ADA Calculator
Investing

NPS vs PPF: Which is Better in 2026?

Liquidity, returns, tax treatment, and the 80CCD(1B) bonus of โ‚น50K.

๐Ÿ“… April 2026โฑ 8 min read
โ†’ Try NPS/PPF Calculator
Career

ESOP Tax: At Vesting or At Sale?

Two tax events explained: perquisite + capital gains, Budget 2024 changes.

๐Ÿ“… April 2026โฑ 7 min read
โ†’ Try ESOP Calculator
HRA

Metro vs Non-Metro for HRA: Which Cities Qualify?

Only Delhi, Mumbai, Chennai, Kolkata are metros. Bangalore is NOT. This matters.

๐Ÿ“… April 2026โฑ 4 min read
โ†’ Try HRA Calculator
AI

How to Price AI Projects as an Indian Freelancer

API cost โ†’ markup โ†’ GST โ†’ client pricing. The complete framework.

๐Ÿ“… April 2026โฑ 8 min read
โ†’ Try LLM Cost Calculator