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India financial tools

These exist because every other GST and salary page wanted an email before doing arithmetic. Each tool links its source so you can check a rate or slab yourself. I am not your CA, banker, or UIDAI — this page explains the methodology so you can judge the numbers yourself instead of trusting a badge.

What belongs here

India search intent is concrete: inclusive GST on an invoice, a GST tax invoice you can print without an IRN, old vs new regime on one CTC, HRA exemption as the least of three, EPF 12/12 with the EPS ceiling named, gratuity 15/26, taxable income after deductions, a rent receipt for HRA, whether a PAN string even parses, SSC photo into 20–50 KB, a passworded HDFC statement into rows. Each tool below does one of those jobs in the tab. Citations point at CBIC, the Income Tax Department, EPFO, labour notifications, RBI, or UIDAI-shaped sources when rates matter, and the privacy panel on every tool names the exact date the rate was last checked against the primary source.

Methodology — how the calculators actually work

GST: the calculator applies a single rate to a base amount either inclusively (rate embedded in the total, back-solved) or exclusively (rate added on top), matching how the GST Council's post-2.0 slabs (5% merit, 18% standard, 40% peak) are published on CBIC's goods-and-services rate finder. It does not attempt HSN-code lookups — you supply the rate, it does the arithmetic and shows the CGST/SGST vs IGST split.

Salary and income tax: both tools use the FY 2026–27 slab structure (new regime: nil up to ₹4 lakh, then 5/10/15/20/25/30% bands, ₹75,000 standard deduction, Section 87A rebate up to ₹12 lakh taxable) alongside a simplified old-regime comparison with a generic 80C/HRA sketch. Employer PF, professional tax, and gratuity are modelled with common defaults (metro HRA exemption, standard PF ceiling) — your actual payslip will differ based on your city, PF opt-out status, and employer-specific components. The tool's job is to make the regime trade-off visible, not to replace your Form 16.

HRA, EPF, gratuity: the HRA page is the least-of-three exemption (actual HRA, rent − 10% of salary, 50%/40% metro cap) on basic+DA you type — FY 2026–27 metros include the original four plus Bengaluru, Hyderabad, Pune, and Ahmedabad. EPF is employee 12% and employer 12% with EPS capped at 8.33% of the ₹15,000 wage ceiling. Gratuity is (basic+DA) × 15/26 × years, silent on payouts before five years, capped at ₹20 lakh dated 29 March 2018.

IFSC, rent receipt, GST invoice: IFSC lookups hit a third-party bank-code directory over the network (disclosed on the tool page) since the RBI does not publish a queryable public API; the eleven-character structure itself (bank code, conventional zero, branch code) is checked locally first. The rent receipt generator and GST invoice printer are paperwork templates, not legal instruments or e-invoices. Invoice, rent-receipt, and other rupee totals on this shelf print Indian words (lakh, crore, paise) next to the figure — not a hardcoded “Rupees … Only”.

Worked example

Take a ₹12,00,000 annual CTC. Under the new-regime sketch: subtract the ₹75,000 standard deduction to get ₹11,25,000 taxable. Slab tax works out to roughly ₹71,250 before cess, but since taxable income sits under the ₹12 lakh 87A threshold, the rebate zeroes out the liability in the simplified model — cess and any employer-specific add-ons aside. Run the same CTC through the old regime with a realistic 80C (₹1.5 lakh) and HRA claim and the two numbers will usually land within a few thousand rupees of each other at this income level, which is exactly the kind of comparison a spreadsheet hides and this page makes visible in one type-as-you-go pass.

How to read a result

A browser estimate is a conversation starter with payroll or your CA. It is not a notice of demand. Surcharge, ESOP perquisites, arrears, and creative CTC definitions will all disagree with simplified models. If a number looks wrong, use Share feedback with the tool URL and the figure you expected — corrections to the slab data get a dated changelog entry, not a silent edit.

Sources

CBIC — GST goods and services rate finder · Income Tax Department e-filing portal · UIDAI · Reserve Bank of India. Rate and slab data is re-checked against these whenever a Budget or Council notification changes them; the privacy panel on each tool records the exact date.

Notes on slabs, IFSC, and 87A