Disclaimer

Income Tax Calculators (Tools 1–4)

Our salary, CTC, HRA, and 44ADA calculators use tax slabs and rules for FY 2025-26 as announced in Union Budget 2025. These may not reflect:

• Mid-year amendments to tax law
• Specific rulings, notifications, or clarifications issued by CBDT
• Your individual tax situation including agricultural income, carry-forward losses, or foreign income
• State-specific rules beyond professional tax

Always verify your tax liability at incometax.gov.in or through a licensed CA.

Investment Calculators (Tools 5–6)

SIP, SWP, NPS, PPF, and ELSS calculators assume fixed, constant returns for illustration purposes. In reality:

• Mutual fund returns fluctuate. Past performance does not guarantee future returns.
• PPF interest rate is revised quarterly by the Government of India.
• NPS returns depend on fund manager and allocation chosen.
• ELSS returns are market-linked and carry capital risk.

Investment in mutual funds, NPS, and ELSS is subject to market risks. Read all scheme-related documents carefully before investing.

GST Invoice Generator (Tool 7)

Our GST invoice generator creates invoices based on inputs you provide. You are responsible for:

• Verifying that your GSTIN and your client's GSTIN are valid at gst.gov.in
• Using the correct HSN/SAC codes for your products and services
• Applying the correct GST rates per the GST rate schedule
• Filing generated invoices correctly in your GSTR returns

USD→INR Remittance Calculator (Tool 8)

Fee rates for Stripe, PayPal, Wise, SWIFT, and Payoneer are subject to change. Always verify current fees on the respective platform's website before transacting.

ESOP/RSU Calculator (Tool 9)

ESOP and RSU tax treatment in India changed significantly in Budget 2024. Our calculator reflects these changes as of April 2025. Tax treatment for unlisted company ESOPs may vary. Consult your company's HR/legal team and a CA for personalised guidance.

Home Loan Calculator (Tool 11)

Home loan eligibility calculations use standard FOIR assumptions (45%). Actual eligibility depends on your credit score, employer category, existing obligations, and the specific bank's internal policies. For accurate eligibility, submit an application to your chosen bank.

LLM Cost Calculator (Tool 12)

LLM API pricing changes frequently. Prices in our calculator are as of April 2025. Always verify current pricing at the official API provider's pricing page.

Affiliate Links

Links to Zerodha, Groww, ClearTax, BankBazaar, Wise, and Zoho Books are affiliate links. We earn a commission if you sign up through these links. This does not affect our recommendations or calculator logic. These are tools we consider genuinely useful for the use cases described.