Free Accounting Tools for Indian Businesses 126+ Tools, 100% Free

GST Tools

GST Calculator

Add or extract GST at 5%, 18%, 40% & more. Instant CGST, SGST and IGST split with invoice break-up.

Loans & Investments

EMI Calculator

Calculate monthly EMI, total interest and full amortization schedule for home, car or personal loans.

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Business Calculators

Percentage Calculator

X% of Y, X is what % of Y, percentage change, increase/decrease by %, reverse percentage and % difference — all in one.

GST Tools

Reverse GST Calculator

Back-calculate taxable value and GST hidden inside an MRP or GST-inclusive bill at any rate.

Payroll & HR

EPF Contribution Calculator

Employee & employer EPF/EPS split, EDLI and admin charges, plus projected retirement corpus at 8.25%.

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Business Calculators

Depreciation Calculator (SLM / WDV)

Year-wise SLM/WDV schedule under Companies Act Schedule II or Income-tax block rates with the 180-day rule.

GST Tools

GST Late Fee & Interest Calculator

Late fee for GSTR-3B, GSTR-1, GSTR-4, GSTR-9 with turnover caps, plus 18% interest on tax paid late.

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Income Tax & TDS

Income Tax Calculator (Old vs New)

Compare old vs new regime tax for FY 2024-25 to 2026-27 with slabs, 87A rebate, surcharge and cess.

🧾 GST Tools

GST Calculator

Add or extract GST at 5%, 18%, 40% & more. Instant CGST, SGST and IGST split with invoice break-up.

Reverse GST Calculator

Back-calculate taxable value and GST hidden inside an MRP or GST-inclusive bill at any rate.

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GST Rate Finder (HSN/SAC)

Search 250+ common HSN and SAC codes to find the applicable GST rate after the 2025 rate changes.

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GSTIN Validator

Check any 15-digit GSTIN offline: format, state code, embedded PAN, entity type and GSTN checksum.

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GSTR-1 Summary Maker

Turn a sales list into GSTR-1 tables: B2B, B2C Large, B2C Small, rate-wise and HSN summary. Export to Excel.

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GSTR-3B Summary Helper

Compute GSTR-3B tax payable with correct ITC set-off order (IGST first) and the exact cash to deposit.

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GST Input Tax Credit Calculator

Eligible ITC after blocked credits and Rule 42/43 proportional reversal for exempt and non-business use.

GST Late Fee & Interest Calculator

Late fee for GSTR-3B, GSTR-1, GSTR-4, GSTR-9 with turnover caps, plus 18% interest on tax paid late.

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GST Composition Scheme Calculator

Quarterly CMP-08 tax at 1%, 5% or 6% and an eligibility check against turnover and other conditions.

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E-Way Bill Validity Calculator

Distance to validity: 1 day per 200 km (20 km for ODC). Get the exact expiry date-time and extension window.

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GST Refund Calculator

Refund of unutilised ITC for exports under LUT (Rule 89(4)) and inverted duty structure (Rule 89(5)).

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HSN Code Lookup

Browse all 98 HSN chapters (01–99) with descriptions, key headings and GST rates; search by code or keyword.

💰 Income Tax & TDS

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Income Tax Calculator (Old vs New)

Compare old vs new regime tax for FY 2024-25 to 2026-27 with slabs, 87A rebate, surcharge and cess.

Advance Tax Calculator

Split estimated tax into 15/45/75/100% instalments and compute 234B/234C interest if paid late.

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TDS Calculator

Section-wise TDS with FY 2025-26 thresholds and rates — 194C, 194J, 194I, 194H, 194Q, 195; 20% without PAN.

TDS Late Payment Interest Calculator

Interest for late deduction (1% p.m.) and late deposit (1.5% p.m.) of TDS plus ₹200/day fee u/s 234E.

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TCS Calculator

Tax Collected at Source u/s 206C — scrap, liquor, motor vehicle above ₹10 lakh, LRS remittance, overseas tour.

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HRA Exemption Calculator

Exempt HRA under s.10(13A): least of actual HRA, rent minus 10% of salary, 50%/40% of salary — monthly and annual.

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Section 80C / 80D Deduction Planner

Track 80C, 80CCD(1B) and 80D limits — used vs remaining and tax saved at your slab.

Capital Gains Tax Calculator

STCG/LTCG on equity, debt funds, property, gold with post-Budget 2024 rates, indexation and grandfathering.

Cost Inflation Index (CII) Lookup

CII table from 2001-02 (100) to 2025-26 (376) with an indexed-cost and indexed-gain calculator.

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Rebate u/s 87A Calculator

Rebate u/s 87A — old regime ₹12,500 (income ≤ ₹5L), new regime ₹60,000 (≤ ₹12L) with marginal relief.

Surcharge & Cess Calculator

Surcharge at 10/15/25/37% above ₹50L/₹1Cr/₹2Cr/₹5Cr (25% cap in new regime), marginal relief and 4% cess.

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Gratuity Calculator

Gratuity = 15/26 × last salary × years; exemption u/s 10(10) up to ₹20 lakh, covered or not under the Act.

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Leave Encashment Tax Calculator

Exemption u/s 10(10AA) — least of actual, ₹25 lakh, 10 months salary, cash value of unused leave.

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Perquisite Value Calculator

Taxable value of company car, rent-free accommodation, interest-free loans and gifts under Rule 3.

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Presumptive Tax Calculator (44AD/44ADA/44AE)

Presumptive income at 8%/6% (44AD), 50% (44ADA) or per vehicle (44AE) with ₹3 Cr / ₹75 L limits and tax.

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PAN Validator

Check PAN format AAAAA9999A, decode the 4th-character holder type and verify the 5th character against the surname.

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Form 16 Summary Tool

Enter Form 16 Part B figures to recompute taxable income, tax, and compare with TDS deposited for refund or balance due.

Tax Saving Comparison (ELSS vs PPF vs FD)

Compare ELSS, PPF, tax-saver FD, NSC, NPS and SCSS on post-tax corpus, lock-in and 80C benefit.

👥 Payroll & HR

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Salary / CTC Breakup Calculator

Split annual CTC into Basic, HRA, allowances, employer PF, ESI, gratuity and bonus with monthly & annual table.

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In-Hand Salary Calculator

Monthly take-home from CTC or gross after PF, ESI, professional tax and TDS under the new or old regime.

EPF Contribution Calculator

Employee & employer EPF/EPS split, EDLI and admin charges, plus projected retirement corpus at 8.25%.

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ESI Calculator

Check ESI eligibility (gross ≤ ₹21,000) and compute employee 0.75% and employer 3.25% with contribution periods.

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Professional Tax Calculator

State-wise professional tax on salary — Maharashtra, Karnataka, WB, TN, AP, Telangana, Gujarat, MP and more.

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Bonus Calculator (Payment of Bonus Act)

Statutory bonus under the Payment of Bonus Act — eligibility up to ₹21,000, ₹7,000 ceiling, 8.33% to 20%.

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Overtime Calculator

Hourly rate from monthly wages (26 days × 8 hrs) and overtime pay at double rate or a custom multiplier.

Payslip Generator

Create a professional monthly salary slip with logo, earnings/deductions, net pay in words — download PDF or print.

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Multi-Employee Payroll Sheet

Monthly payroll register for all staff — gross, PF, ESI, PT, TDS and net computed, totals and Excel export.

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Full & Final Settlement Calculator

F&F on exit — pending salary, leave encashment, gratuity, bonus, notice pay recovery/payment and deductions.

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Leave Balance Tracker

Track CL, SL, EL and other leave per employee — opening, accrued, taken, encashed and balance with summaries.

Attendance to Salary Calculator

Payable salary from attendance — present days, weekly offs, paid leave, half days and LOP on calendar or 26-day basis.

Increment / Appraisal Calculator

New salary after a % or amount hike, monthly/annual gain, arrears since the effective date and real hike vs inflation.

🏦 Loans & Investments

EMI Calculator

Calculate monthly EMI, total interest and full amortization schedule for home, car or personal loans.

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Loan Prepayment Calculator

See interest saved and tenure cut by a one-time prepayment or extra monthly payment on your loan.

Loan Comparison Tool

Compare 2–4 loan offers side by side — EMI, processing fee, total cost and effective APR.

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Home Loan Eligibility Calculator

Find the maximum home loan you can get based on income, existing EMIs, FOIR, age and property LTV.

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Simple Interest Calculator

Calculate simple interest and total amount by years, months, days or between two dates.

Compound Interest Calculator

Compound interest with yearly, half-yearly, quarterly, monthly or daily compounding, year-wise table and chart.

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FD Calculator

Fixed deposit maturity for cumulative and payout FDs, with senior citizen rate and TDS estimate.

RD Calculator

Recurring deposit maturity value with quarterly compounding — bank and post office RD.

SIP Calculator

Mutual fund SIP returns with optional annual step-up, inflation-adjusted value, chart and year-wise table.

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Lumpsum Investment Calculator

Future value of a one-time investment, reverse CAGR calculator and amount needed today for a goal.

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PPF Calculator

PPF maturity at 7.1% with 15-year term, 5-year extension blocks, loan and withdrawal limits, year-wise table.

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NPS Calculator

National Pension System corpus at retirement, 60% tax-free lumpsum, 40% annuity and expected monthly pension.

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Sukanya Samriddhi Calculator

SSY maturity at 8.2% — deposits for 15 years, maturity 21 years from opening, year-wise balance by girl age.

MSME Delayed Payment Interest Calculator

Interest on delayed payment to micro & small enterprises under MSMED Act — 3× RBI bank rate, monthly compounding, 43B(h) check.

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Flat vs Reducing Rate Converter

Convert a flat interest rate to its true reducing-balance equivalent (and back) and compare EMIs.

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APR / Effective Interest Rate Calculator

True loan APR including processing fee and charges via IRR, plus nominal ↔ effective rate conversion.

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Inflation / Future Value Calculator

Future cost of today's expenses, today's value of a future amount, purchasing power table and real return.

📈 Business Calculators

Profit Margin Calculator

Find gross profit, margin % and markup % from cost and selling price — or the price needed for a target margin.

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Markup Calculator

Add markup % to cost to get selling price, find markup from price, and convert markup to margin instantly.

Break-Even Point Calculator

Find the sales volume where you stop losing money — BEP units, BEP revenue, contribution margin and target-profit units.

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ROI Calculator

Return on investment with total ROI %, annualised CAGR, net gain and doubling time — for any business or investment.

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Discount Calculator

Discount on MRP, successive discounts (20% + 10%), flat coupons and GST after discount — final price and saving.

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Selling Price Calculator

Set your selling price from cost plus desired margin or markup, with GST added and optional rounding to ₹…99.

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Commission Calculator

Flat or tiered slab commission on sales, with 18% GST option and TDS u/s 194H at 2% — net payable to the agent.

Working Capital Calculator

Enter current assets and liabilities item-wise to get net working capital, current ratio, quick ratio and cash ratio.

Cash Conversion Cycle Calculator

DIO, DSO and DPO from inventory, receivables, payables, COGS and sales — how many days your cash stays locked.

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Depreciation Calculator (SLM / WDV)

Year-wise SLM/WDV schedule under Companies Act Schedule II or Income-tax block rates with the 180-day rule.

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Asset Lifecycle / Replacement Calculator

Optimal year to replace a vehicle or machine using equivalent annual cost — rising maintenance vs falling resale.

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Percentage Calculator

X% of Y, X is what % of Y, percentage change, increase/decrease by %, reverse percentage and % difference — all in one.

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VAT Calculator

Add or extract VAT for UK, UAE, Saudi, EU, Australia, Singapore and 20+ countries — net, tax and gross in one view.

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Tip / Service Charge Calculator

Restaurant bill with service charge, 5% GST, optional tip and equal split per person — know what you are paying.

Unit Price Comparison

Compare 2–10 products by price per kg, litre, piece or metre across different pack sizes — the cheapest is highlighted.

📄 Document Generators

GST Invoice Generator

Create a GST-compliant tax invoice with CGST/SGST or IGST, HSN codes, amount in words and PDF download.

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Bill of Supply Generator

Bill of Supply for composition dealers and exempt supplies — no GST charged, correct declaration included.

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Proforma Invoice Generator

Proforma invoice with GST estimate, validity date, advance terms and delivery timeline — download as PDF.

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Quotation / Estimate Generator

Professional quotation with subject, GST, validity days, delivery and payment terms — ready-to-send PDF.

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Purchase Order Generator

Issue a purchase order to your vendor with items, GST, delivery date, payment terms and ship-to address.

Receipt / Payment Voucher Generator

Cash or bank receipt and payment vouchers with amount in words, mode, reference and signature boxes.

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Debit / Credit Note Generator

GST credit note or debit note linked to the original invoice, with reason, tax breakup and PDF download.

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Delivery Challan Generator

Rule 55 delivery challan for job work, branch transfer or approval supply — with vehicle, transporter and e-way bill fields.

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Rent Receipt Generator

Generate monthly rent receipts for HRA claims — one receipt per month, 3 per A4 page, with PAN and revenue stamp note.

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Salary Certificate Generator

Letter-format salary certificate on your letterhead with designation, joining date, salary break-up and purpose.

Cheque Writer / Print Format

Type payee, amount and date — get amount in words and a CTS cheque-size layout you can print directly on the leaf.

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Promissory Note Generator

Legally worded demand or fixed-date promissory note with principal, interest, parties, place, date and witness lines.

Account Statement / Ledger PDF

Party ledger statement with opening balance, running balance, closing balance and ageing — send customers a PDF.

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Expense Report Generator

Employee expense claim with date-wise entries, category totals, advance adjustment and approval signature boxes.

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Business Letterhead Maker

Design an A4 letterhead with logo, brand colour, tagline and footer; preview a letter and download blank or filled PDF.

📒 Bookkeeping & Reports

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Journal Entry Maker

Record double-entry journal lines with Dr/Cr and get an instant balanced/unbalanced check.

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Ledger Maker

Post journal lines into account-wise T-ledgers with balances; export one Excel sheet per account.

Trial Balance Generator

Enter ledger balances, check Dr = Cr, locate the difference and auto-suggest a Suspense A/c.

Profit & Loss Statement Maker

Build a Trading and Profit & Loss Account — gross profit, net profit, margins — with PDF and Excel.

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Balance Sheet Maker

Prepare a vertical balance sheet with assets and liabilities groups, tally check, ratios and PDF.

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Cash Flow Statement Maker

Prepare a cash flow statement by operating, investing and financing activities with opening and closing cash.

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Petty Cash Register

Track petty cash receipts and voucher payments with running balance and month-wise summary.

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Day Book / Cash Book

Double-column cash book with cash and bank columns, contra entries and running balances.

Bank Reconciliation Statement (BRS)

Auto-match bank statement with cash book, list unmatched items and generate a BRS instantly.

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Debtors / Creditors Ageing Report

Age outstanding invoices into 0-30/31-60/61-90/90+ day buckets with party-wise totals and chart.

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Inventory Valuation (FIFO / LIFO / Weighted Avg)

Compare closing stock value and COGS under FIFO, LIFO and weighted average from purchase and sale entries.

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Stock Register

Item-wise stock in/out register with running balance quantity, value and per-item summary.

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Fixed Asset Register

Maintain assets with SLM/WDV depreciation — accumulated depreciation and WDV computed as of today.

Fund Flow Statement

Prepare schedule of changes in working capital plus sources and applications of funds statement.

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Budget vs Actual Tracker

Compare budgeted and actual figures head-wise with variance, variance % and adverse/favourable flags.

Financial Ratio Analyzer

Enter key figures to get liquidity, profitability, leverage and efficiency ratios with interpretation.

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Partnership Profit Sharing Calculator

Appropriate firm profit among partners — salary, interest on capital, PSR share — with Sec 40(b) check.

Capital Account Statement

Opening capital to closing capital for proprietor or multiple partners — fluctuating or fixed method, with PDF.

🔧 Converters & Utilities

Number to Words (Indian & International)

Convert any amount to words — Indian lakh/crore, international million/billion, rupees & paise for cheques.

Words to Number

Type an amount in English words (lakh, crore, million, billion) and get the digits in Indian & intl format.

Indian Number Formatter

Bulk-format numbers in Indian (12,34,567) or international grouping with lakh/crore abbreviations — copy all at once.

Currency Converter

Convert INR to USD, EUR, GBP, AED & 25 more currencies with live mid-market rates (cached 1 hour) and offline fallback.

Bank Statement PDF to Excel Converter

Convert bank statement PDFs (SBI, HDFC, ICICI, Axis & more) to Excel/CSV in your browser — review rows, then export.

CSV ↔ Excel Converter

Convert CSV to Excel (.xlsx) or Excel to CSV in your browser — multi-sheet selection, 50-row preview, no upload.

Date Difference / Due Date Calculator

Days, weeks, months and years between two dates, business-day count, and add/subtract days to find due dates.

Financial Year / Quarter Finder

Find the FY, AY, quarter, half-year and days remaining for any date, with key ITR, TDS and GST due dates.

IFSC Code Finder

Validate an IFSC and look up bank, branch, address, MICR and NEFT/RTGS/IMPS/UPI support instantly.

Amount Rounding Tool (GST Rules)

Round invoice and tax amounts per Sec 170 GST (50 paise rule), to ₹10/₹100, and get the round-off journal entry.

Interest Days Calculator

Interest between two dates under Actual/365, Actual/360, 30/360 and Actual/Actual — all conventions compared.

Invoice Number Series Generator

Generate GST-compliant invoice number series with prefix, auto FY (INV/25-26/0001), padding and next-number memory.

📅 Compliance & Calendars

GST Due Date Calendar

All GST return due dates for any FY — GSTR-1, 3B, IFF, PMT-06, CMP-08, GSTR-9 — with days-left badges and calendar export.

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Income Tax / TDS Due Date Calendar

TDS deposits, 24Q/26Q returns, Form 16, advance tax, ITR and tax audit dates for any FY with days-remaining badges and .ics export.

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ROC / Company Compliance Calendar

Annual MCA filings for Pvt Ltd, LLP and OPC — AOC-4, MGT-7, ADT-1, DIR-3 KYC, DPT-3, MSME-1, Form 8/11 — derived from your AGM date.