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🧮 Free Professional Tools

Financial Calculator Suite

Calculation engines built for India's finance professionals and individuals. FY 2025-26 & 2026-27 rates. Export to PDF or Excel.

🏦 Loan & EMI

Home loan, car loan, personal loan — amortisation schedule with total interest cost breakdown.

Amortisation Prepayment PDF Export

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📈 Mutual Funds

Monte Carlo simulation, step-up SIP, inflation-adjusted returns, and XIRR for realistic wealth projections.

Monte Carlo Step-up SIP XIRR

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🏠 Real Estate

DCF-based total cost of ownership model — true financial cost of buying vs renting a home in India.

DCF Model Opportunity Cost Tax Benefit

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🚗 Auto / Asset

NPV-based lease vs purchase analysis for vehicles, equipment, and commercial assets — with residual value.

NPV Analysis Residual Value Tax Shield

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EV Total Cost of Ownership

Compare electric vs petrol/diesel over 5–10 years: fuel savings, FAME subsidy, charging infrastructure, resale.

FAME Subsidy Fuel Savings 5-yr TCO

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Credit Card Reward Optimizer

Compare credit card reward rates, annual fees, and cashback across your spending categories to maximise returns.

Reward Rate Cashback Fee vs Benefit

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Capital Gains Tax

LTCG / STCG for equity, debt, real estate, and gold — post-Budget 2024 rules, indexation, and set-off planning.

LTCG / STCG Indexation Real Estate

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Salary Optimizer

Restructure CTC components — HRA, LTA, NPS, flexi-pay — to legally maximise take-home pay and reduce TDS.

HRA Optimisation NPS Benefit TDS Reduction

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⚖️ Investing

Compare Investments

SIP vs FD vs Gold vs Property vs PPF vs NPS — post-tax, inflation-adjusted returns side-by-side.

Post-Tax Returns Inflation-Adjusted Goal Planning

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⚠ Calculators are for illustrative purposes only. Results may vary based on individual circumstances. Validate with a qualified professional before making financial decisions. © 2026 Finin2min.

Quick Utility Tools

Fast Answers for Everyday Tax, GST, Payroll & Compliance Questions

Free, single-purpose tools for the recurring questions salaried employees, businesses and taxpayers search for most — each grounded in the current official rules and forms.

🧾 Income Tax & Filing

Advance Tax Instalment Planner Advance Tax Interest Calculator Agricultural Income Partial-Integration Calculator Bank Interest Deduction Disability Deduction Calculator Donation Deduction Calculator Form 121 Eligibility Checker Form 16, Form 26AS and AIS Tax-Credit Reconciler Income-Tax Loss Set-Off and Carry-Forward Checker Income-Tax Notice and Intimation Resolver Income-Tax Refund Interest Calculator Income-Tax Refund Status and Failure Resolver ITR Document Checklist Generator ITR Form Selector ITR Late-Filing Fee and Interest Calculator Specified Disease Medical Deduction TDS Calculator and Common Rate Finder TDS Interest and Late-Filing Fee Calculator Updated Return Additional Tax Calculator Dividend Income Tax and TDS Credit Calculator Savings and Deposit Interest Tax Calculator Notice Period Pay and Recovery Calculator NRI Property Sale TDS Estimator — Section 195 Rent Deduction Calculator — Section 80GG and Form 10BA Section 87A Rebate and New-Regime Marginal Relief Calculator — AY 2026–27 Salary and Pension Standard Deduction Calculator Stock, Intraday and F&O Trading Turnover Calculator Income-Tax Surcharge and Marginal Relief Calculator Capital Gains Tax-Loss Harvesting Calculator Old vs New Tax Regime Calculator — AY 2026–27 Wage Deduction Cap and Payroll Recovery Checker

💼 Salary & Employee Benefits

CTC to In-Hand Salary Calculator Family Pension Standard Deduction Calculator Gratuity Payable and Tax Exemption Calculator HRA Exemption Calculator Labour Codes Wage Definition and 50% Allowance Calculator Leave Encashment Tax Exemption Calculator Maternity Benefit Eligibility and Leave Calculator Retrenchment Compensation and Notice Pay Calculator Salary Arrears Relief Calculator Statutory Bonus Eligibility and Amount Calculator

🧮 GST & Indirect Tax

GST Calculator GST Composition Scheme Eligibility Checker GST E-Invoice Applicability Checker GST E-Way Bill Applicability Checker GST Input Tax Credit Eligibility and Blocked-Credit Checker GST Late Fee and Interest Estimator GST LUT Eligibility and Export Action Checker GST QRMP Eligibility and Due-Date Checker GST Refund Route and RFD-01 Checklist GST Registration Applicability Checker GST Registration Cancellation, Revocation and Appeal Resolver GST Reverse Charge Applicability Checker GST Tax Invoice Generator GSTIN Format and Checksum Validator GSTR-1, GSTR-3B and GSTR-2B Reconciliation Tool GSTR-9 and GSTR-9C Applicability Checker HSN and SAC Code Finder GST E-Commerce TCS Calculator and Reconciliation GST Interest on Delayed Tax Payment Calculator GST Input Service Distributor Credit Allocation Calculator GST 180-Day ITC Reversal and Reclaim Calculator GST Return Late Fee Calculator GST Place of Supply and Tax-Type Checker GST Rule 42 Common ITC Reversal Calculator GST Time of Supply and Tax-Date Calculator GST Value of Supply Calculator — Discounts, Subsidies and Pure Agent Import Duty, IGST and Landed Cost Calculator

🏦 Retirement & Social Security

EPF Establishment and Employee Coverage Checker EPF Withdrawal TDS Calculator EPF, EPS and VPF Contribution Calculator EPS Monthly Pension Estimator ESI Contribution and Coverage Calculator FEMA Residential Status Checker Indian Residential Status Calculator NPS Retirement Corpus and Pension Calculator NPS Tax Deduction Calculator PF Claim Rejection and UAN Problem Resolver PPF Calculator

🏠 Property & Housing

Home Loan Balance Transfer Calculator Home Loan Tax Benefit Calculator House Property Income Calculator Property Purchase TDS Calculator Rent Receipt Generator Rent TDS Calculator Rental Yield and Property Return Calculator Car Affordability and Total Monthly Cost Calculator Debt-to-Income and FOIR Calculator Flat Rate vs Reducing Balance Loan Comparator Home Affordability and Safe EMI Calculator Loan APR and Effective Cost Calculator Home Loan Amortization and Extra-Payment Calculator Property Purchase All-In Cost Calculator Rent Escalation and Total Occupancy Cost Calculator

📈 Savings, Goals & Investments

CAGR and XIRR Return Calculator Emergency Fund Calculator FD and RD Maturity Calculator FIRE Number and Financial Independence Calculator Goal Investment and SIP Calculator Retirement Corpus and Monthly Investment Gap Calculator Section 80C and Schedule XV Deduction Planner Sukanya Samriddhi Account Calculator Systematic Withdrawal Plan Longevity Calculator Portfolio Asset Allocation Rebalancing Calculator Bond Duration and Interest-Rate Sensitivity Calculator Bond Yield to Maturity Calculator Dividend Yield, Payout and Income Calculator Child Education Goal and SIP Calculator Personal Net Worth Calculator Portfolio Return Contribution Calculator Inflation-Adjusted Real Return Calculator Household Savings Rate Calculator Step-Up SIP Future Value Calculator Wedding Goal Cost and Savings Calculator

📊 Capital Gains & Employee Equity

Capital Gains Exemption Calculator Crypto and VDA Tax & TDS Calculator ESOP Tax Calculator Gift Taxability Checker

🛡️ Loans & Insurance

Education Loan Interest Deduction Calculator Health Insurance Deduction Calculator Loan Prepayment Savings Calculator Term Insurance Cover Need Calculator Critical Illness Cover Need Calculator Health Insurance Cover Need Calculator Personal Accident and Disability Cover Need Calculator Health Super Top-Up Deductible and Claim Split Calculator

🌍 International Tax & FEMA

DTAA and Unilateral Relief Method Selector Foreign Asset and Income Reporting Checker Foreign Tax Credit Calculator Liberalised Remittance Scheme Annual Limit Tracker LRS and Overseas Tour TCS Calculator NRI Income-Tax Return Filing Checker NRE, NRO and FCNR Account Selector NRE, NRO, FCNR and RFC Interest Taxability Checker NRO and Property-Sale Repatriation Limit Tracker ODI vs OPI Overseas Investment Route Checker

🏢 Company Law & MSME

Companies Act Small Company Status Checker CSR Applicability and Spending Calculator Internal Audit Applicability Checker MSME and Udyam Classification Checker MSME Delayed Payment Interest Calculator Presumptive Tax Calculator Secretarial Audit Applicability Checker Tax Audit Applicability Checker AGM Due Date and Extension Calculator Companies Act Annual Filing Due Date Calculator Section 89 Beneficial Interest Filing Due Date Checker Board Meeting Frequency, Gap and Quorum Checker CARO 2020 Applicability Checker MCA Charge Registration Due Date and Fee Route Checker Company Deposit Acceptance Route Checker Director Disqualification Risk Checker — Section 164 Director KYC and DIR-3 KYC Due-Date Checker Loan to Director and Connected Entity Checker — Section 185 Private Placement Compliance Checker — Section 42 Companies Act Related-Party Transaction Approval Checker Significant Beneficial Owner Checker — BEN-1 and BEN-2 Inter-Corporate Loan, Guarantee and Investment Limit Calculator — Section 186 XBRL Filing Applicability Checker — AOC-4 XBRL

📅 Business & Compliance

India Monthly Compliance Calendar Builder

🗂️ Finance Utilities

PAN–Aadhaar Link Status and Action Hub Leave Travel Allowance Exemption Calculator

👥 Labour, Payroll & Compliance

Contract Labour Licence and Principal Employer Checker Employer Payroll Cost and Statutory Provision Calculator Employee Full and Final Settlement Calculator Leave Accrual, Balance and Encashment Planner Overtime Pay and Working-Hours Calculator — Labour Codes POSH Internal Committee Applicability and Composition Checker Salary Proration and Joining/Exit Month Calculator Severance and Exit Package Scenario Calculator

⚙️ Business Finance & CFO Tools

Break-Even Sales and Units Calculator Startup Cash Runway and Burn Calculator Contribution Margin, Markup and Profit Calculator Discounted Cash Flow Valuation Calculator Debt Service Coverage Ratio Calculator Economic Order Quantity and Reorder Point Calculator Invoice Factoring Cost and Effective Annual Rate Calculator Inventory Turnover, Days and Carrying Cost Calculator Internal Rate of Return Calculator Make-or-Buy Cost Decision Calculator Net Present Value Calculator Payback, Discounted Payback and Profitability Index Calculator Target Profit Pricing Calculator Receivables Ageing and Expected Credit Loss Planner Supplier Early-Payment Discount vs Credit Calculator Weighted Average Cost of Capital Calculator Cash Conversion Cycle and Working Capital Calculator

🚀 Startup, SaaS & Valuation Tools

SaaS Burn Multiple and Growth Efficiency Calculator Customer Acquisition Cost, LTV and Payback Calculator Cap Table Ownership and New-Issue Calculator Customer Churn, Gross Revenue Retention and NRR Calculator ESOP Pool Top-Up Dilution Calculator MRR, ARR and Recurring Revenue Bridge Calculator SaaS Rule of 40 Calculator SaaS Unit Economics Scorecard Startup Funding Dilution Calculator Enterprise Value and Valuation Multiples Calculator

⚠ Utility tools are for quick reference and screening only, not a substitute for filing software or professional advice. Verify against the current official source before acting. © 2026 Finin2min.

Learn Before You Calculate

Understand the Rules Behind the Numbers

Each calculator follows specific statutory provisions — these hubs explain the underlying law.

Income Tax Calculator → Income-tax Act 2025

Regime rules, slabs and deductions behind the iTax engine

Salary Optimizer → Income Tax & Salary Hub

HRA, Section 80C/80D and regime break-even guidance

Credit Card Rewards → Companies Act & Compliance

Issuer disclosure and governance context for card terms

EMI / SIP / Buy vs Rent → Personal Finance Hub

Loan structuring, SIP strategy and home-buying fundamentals

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Need Expert Guidance?

Connect with CAs, CMAs, and financial experts for personalised advice beyond the numbers.

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