Indian Financial Calculators & Money Tools
Instant, deterministic calculations for take-home salary, income tax (Tax Year 2026-27), loan EMIs, SIP wealth compounding, GST, and cheque numbers in words — 100% private in your browser.
Explore All 20 Financial Tools
Select a category to quickly find the specialized calculator or utility you need.
Salary Calculator
Calculate in-hand take-home salary from CTC with PF, ESI, and tax deductions
Income Tax Calculator
Compare tax liability under New vs Old Tax Regime with 87A rebate & deductions
GST Calculator
Calculate GST inclusive & exclusive amounts with CGST, SGST, IGST breakdown
Number to Words Converter
Convert numbers to Indian Rupees, Lakhs, Crores for cheque & invoice writing
EMI Calculator
Calculate monthly loan EMI with principal vs interest visualizer & comparison
SIP Calculator
Estimate wealth creation from mutual fund systematic investment plans & step-up SIP
HRA Exemption Calculator
Calculate House Rent Allowance tax exemption under Old Tax Regime rules
TDS Calculator
Calculate Tax Deducted at Source on salary, rent, professional fees & contracts
Advance Tax Calculator
Estimate quarterly advance tax liability and due dates for freelancers & businesses
Gratuity Calculator
Calculate employee gratuity entitlement based on years of continuous service
Capital Gains Tax Calculator
Calculate STCG & LTCG on equity shares, mutual funds, and immovable property
GST Invoice Generator
Create, download, and print professional GST-compliant business invoices
Rent Receipt Generator
Generate compliant monthly rent receipts with revenue stamp placeholders for HRA
UPI QR Code Generator
Generate personalized UPI payment QR codes for instant customer collection
Home Loan Eligibility Calculator
Check maximum loan eligibility based on monthly income and FOIR obligations
FD Calculator
Calculate fixed deposit maturity value, interest payouts, and compounding yield
PPF Calculator
Calculate Public Provident Fund 15-year maturity and tax-free interest earnings
Retirement Planner
Calculate desired retirement corpus considering inflation, lifestyle, and life expectancy
Bill Splitter
Split group dinner bills, rent, and outings equally or by custom shares
Cash Denomination Counter
Tally Indian rupee notes and coins for daily cash register closing & bank deposits
Flagship Financial Utilities
The core calculators trusted daily by Indian salaried professionals, freelancers, and small businesses.
Salary Calculator
Calculate estimated monthly take-home pay from annual CTC with statutory PF, ESI, professional tax, and income tax breakdown.
Calculate Take-HomeIncome Tax Calculator
Side-by-side comparison between New Tax Regime (Section 115BAC) and Old Tax Regime with standard deductions and Section 87A rebate.
Compare RegimesGST Calculator
Calculate GST inclusive and exclusive amounts across 5%, 12%, 18%, and 28% slabs with CGST, SGST, and IGST splits.
Calculate GSTNumber to Words
Convert figures into Indian Rupees (Lakhs & Crores) for bank cheque leaves, legal deeds, and commercial invoices.
Convert to WordsEMI Calculator
Calculate monthly loan instalments for home, personal, or car loans with principal versus interest visualizer.
Calculate EMISIP Calculator
Model compounding returns on monthly mutual fund SIPs with duration sliders and total wealth growth projection.
Estimate ReturnsLatest Guides & Tax Explanations
New Tax Regime vs Old Tax Regime: Which Saves More Tax in FY 2025-26?
Complete comparison of new and old income tax regimes in India for FY 2025-26. Understand Section 115BAC slabs, standard deduction, 87A rebate, and calculate which saves you more.
GST Filing in India: Common Mistakes That Cost Businesses Penalties
Avoid costly GST compliance errors. Learn about GSTR-1, GSTR-3B deadlines, input tax credit claims, and penalty provisions under the latest GST notifications.
Home Loan Prepayment Guide: How to Cut Interest and Tenure Strategically
Strategic guide to home loan prepayment. Calculate savings on compounding interest, understand foreclosure rules, and decide the optimal lump-sum payment.
Frequently Asked Questions
Common questions regarding BharatBills tools, accuracy, and data privacy.