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FY 2025-26 Updated

India's professional calculator hub

GST, EMI, Income Tax, Salary, HRA, EPF — all in one place. Built for Indian businesses, salaried professionals, and self-employed. No login. No ads. Just answers.

Browse Calculators → Free GST Invoice
✓ 100% Free calculations ✓ No data stored ✓ Works on mobile
9+
Free Calculators
₹99
PDF Reports
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2025-26
Tax Year Updated
100%
Browser-Only · Private
All Tools

Pick your calculator

Every tool built specifically for Indian tax laws, GST rules, and payroll norms.

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Free
GST Calculator
Add or remove GST from any amount. CGST + SGST or IGST breakup. All 5 slabs — 0%, 5%, 12%, 18%, 28%.
Intra-StateInter-State
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Free
GST Reverse Calculator
Find the original base price from any GST-inclusive amount. Shows all-slab comparison in one shot.
Base PriceTax Split
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New
GST Invoice Generator
Multi-line invoice with HSN/SAC codes, IGST or CGST+SGST. Download a professional client-ready PDF invoice — free.
PDF InvoiceHSN Codes
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Free
Composition Scheme Calculator
Compare Composition Scheme tax vs Regular GST. For traders (1%), manufacturers (2%), restaurants (5%).
CompositionCompare
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Free
ITC Calculator
Input Tax Credit on goods, services and capital goods. Net GST payable or carry-forward after ITC set-off.
ITCSec 17(5)
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PDF ₹99
Home Loan EMI Calculator
EMI, total interest, year-by-year amortization. Includes Sec 24(b) interest deduction and 80C principal benefit.
Sec 24(b)80CBalance Transfer
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PDF ₹99
Personal Loan EMI Calculator
Full EMI, total interest, effective cost, amortization table. Balance transfer savings analysis included.
EMIAmortization
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PDF ₹99
Car Loan EMI Calculator
On-road price to monthly EMI. Down payment, LTV%, true total vehicle cost breakdown.
On-Road PriceLTV%
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Free
Loan Prepayment Savings
Interest saved and months cut by prepaying your loan. One-time, monthly or annual prepayment scenarios.
PrepaymentInterest Saved
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PDF ₹99
Income Tax Calculator
Old vs New Regime comparison for FY 2025-26. Which regime saves you more? Complete slab-wise breakup.
Old vs NewFY 2025-26
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PDF ₹99
Take-Home Salary Calculator
Monthly in-hand salary from CTC. PF, professional tax, state-wise PT, HRA, Old vs New regime toggle.
CTCIn-HandState PT
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PDF ₹99
HRA Exemption Calculator
Section 10(13A) HRA exemption with the least-of-three rule. Metro vs Non-metro, actual rent paid.
Sec 10(13A)Metro/Non-Metro
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PDF ₹99
EPF / PF Calculator
EPF corpus at retirement with year-by-year growth table. EPS pension split and current EPF interest rate.
EPFEPS Pension
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Free
Gratuity Calculator
Gratuity payable under Payment of Gratuity Act 1972. Last drawn salary × years of service × 15/26 formula.
Sec 10(10)Act 1972
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How It Works

Three steps to your answer

1

Pick a calculator

Choose from GST, EMI, Tax, Salary or other categories. No account needed — open and use instantly.

2

Enter your numbers

Type your amounts, rates, and details. The result updates as you type. All math happens in your browser — nothing is sent anywhere.

3

Share or download

Share the result instantly with anyone via WhatsApp, link, or clipboard. Download a detailed PDF report for ₹99 when you need it for records or CA filing.

Premium PDF Reports

Shareable, printable, CA-ready

Every calculator generates a detailed PDF with full calculations, breakups, and reference notes — formatted to share with your CA, bank, or employer.

Full calculation breakdown with all assumptions
Year-by-year tables for loans, EPF, and salary
Professional design — shareable with clients and CAs
One-time payment per report, no subscription
₹99
per PDF report
Get a PDF Report →
Why CalcDesk

Built for how India works

Not a generic global calculator with INR swapped in. Every rule, slab, and formula is India-specific.

🇮🇳

India-specific rules

GST slabs, EPF EPS split, state-wise Professional Tax, HRA metro rules, Sec 24(b), 80C — all built in, not approximated.

📱

Phone-first design

Every calculator works perfectly on mobile. Tap-friendly inputs, large buttons, readable results — no pinch-to-zoom needed.

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100% private

Every calculation runs in your browser. CalcDesk never sees your salary, loan amount, or turnover. No data collected, ever.

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No friction

No login. No email. No subscription. No ads. Open, calculate, share. That's it.

📤

Share instantly

Every result is shareable via WhatsApp, copy, or native share. Send your salary breakdown to your CA or EMI plan to your spouse in one tap.

📅

Always current

Updated for FY 2025-26 income tax slabs, new GST rules, current EPF interest rate of 8.25%, and latest Composition Scheme thresholds.

FAQ

Common questions

Yes — all calculations are 100% free, forever. No login, no signup, no credit card. Detailed PDF reports are available for a one-time ₹99 per report when you need to share or file.
No data is stored or transmitted. All calculations happen entirely in your browser using JavaScript. Your salary, loan amount, GST figures, or turnover never leave your device. CalcDesk has no backend database for user data.
Yes. Income Tax calculators use FY 2025-26 New Tax Regime slabs (including the ₹12L rebate under Sec 87A). EPF uses the current 8.25% interest rate. GST calculators reflect current GST Council rates.
Each PDF is a professional, printable document with the full calculation, all inputs, detailed breakdowns (year-by-year tables for loans and EPF), tax summaries, and reference notes. Formatted to share with your CA, bank manager, or employer.
CalcDesk is designed for informational and planning purposes. Results should be verified with a qualified CA or tax professional before use in official filings, legal documents, or financial decisions. The calculators are accurate but may not account for edge cases in your specific situation.
The invoice PDF is formatted to meet GST invoice requirements under CGST Rules 2017 (including GSTIN, HSN/SAC, tax amounts, buyer/seller details). However, for legal validity it must be issued on your business letterhead with your registered GSTIN. Consult your CA for your specific use case.

Disclaimer: All calculations on CalcDesk are for informational and planning purposes only. Results do not constitute financial, tax, or legal advice. Verify with a qualified CA or SEBI-registered advisor before making financial decisions. Tax rules and rates are subject to change; always refer to the latest CBDT and GST Council notifications.