Built in India · Updated for FY 2025-26
Know the number
before you commit.
Tax, EMI, SIP, GST, salary and runway — worked out for Indian rules, with every assumption on the table so you can check the math, not just trust it. Free, no sign-up, nothing stored.
What are you working out?
Six lanes“I got tired of finance tools that hide the math behind a sign-up wall, then hand you a number with no explanation. So every calculator here shows its formula and assumptions — you can check my working.”
Most of these decisions aren’t hard maths — they’re hidden maths. The EMI looks fine until you total the interest. A ₹12L CTC looks great until PF and tax take their cut. BusinessCalcs just shows you the part that was hidden.
Manan Parikh
Founder, BusinessCalcs · India · his story
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Every calculator
The full library — 34 calculators, free and built for Indian rules (FY 2025-26). Filter by what you're doing, or search above.
34 tools · 6 categories
Business & Operations
7 toolsBreak-Even Studio
Target-profit planning with safety buffer and sensitivity scenarios.
Runway Command Center
Cash survival horizon, hiring impact, and break-even timing.
Amazon Seller Profit
FBA & FBM margins, ROI, and net profit with INR/USD rules.
Flipkart Seller Profit
FBF & Self-ship margins, Fixed/Collection fees, and net profit for INR.
AI API Cost
Compare GPT-5, Claude, & Gemini inference costs and SaaS margin.
Power Consumption
Estimate device electricity usage, true energy cost, and carbon footprint.
Digital Business Card
Create professional shareable business cards with 10+ premium templates. No database required.
Pricing & Growth
6 toolsSaaS Pricing Lab
Margin-first pricing with churn and competitor context.
CLV Intelligence
LTV:CAC efficiency and payback quality checks.
Food Delivery Margin
Four restaurant delivery calculators: price hike, discount-safe listed price, exact item match, and full Swiggy, Zomato, and ONDC ledger.
AdSense Publisher
Reverse-engineer pageviews, CPC profitability, and AdBlock bleed.
Salary Hike & Target
Calculate new salary from hike percentage or reverse calculate hike for a target salary.
Business Name Numerology
Analyze if your brand name vibrates with success using Pythagorean and Chaldean systems.
Wealth & Savings
8 toolsSIP Calculator
Step-up SIP growth with inflation-adjusted value.
Historical Returns
See what a lumpsum or SIP in any NSE stock or index actually returned — powered by live Fyers data.
Stock SIP Calculator
Simulate a monthly SIP in any NSE stock and compare it against Nifty 50 returns.
SWP Calculator
Withdrawal sustainability and corpus depletion timeline.
Fixed Deposit
Calculate precise FD maturity and interest earned.
Recurring Deposit
Track RD maturity with staggered monthly investments.
EPF Calculator
Forecast your provident fund maturity timeline.
XIRR Calculator
Calculate annualized returns for irregular cash flows.
Real Estate Decisions
4 toolsHome Loan Calculator
EMI and payoff in INR and USD, including extra payments.
Downpayment + EMI
Upfront cost, EMI burden, and affordability threshold.
Rent vs Buy Decision
Compare property appreciation against investing your down payment in the market.
Property ROI & Cash Flow
Calculate Cap Rate, Cash-on-Cash Return and Monthly Cash Flow for rental properties.
Tax & Salary
4 toolsLifetime Tax Analyst
Estimate tax paid so far across an age range with direct, indirect, hidden-tax bands, and a cohort-based quick mode.
Income Tax Calculator
Old vs new regime comparison with slab-level visibility for FY 2025-26.
GST Calculator
Add or remove GST instantly from billed amounts.
In-Hand Salary
Calculate precise monthly take-home pay from your CTC with Indian Tax Regimes.
Creator & Developer Tools
5 toolsInstagram Influencer
Estimate post, reel, and story payouts with global geography & niche multipliers.
YouTube RPM & Revenue
Calculate AdSense RPM constraints and sponsorship potential globally.
Amazon KDP Profit
Masterpiece model for Amazon eBook, Paperback, Hardcover, and KENP margins.
Exact Age & Time Lived
Calculate precise age in years, months, weeks, days, hours and seconds.
Epoch Timestamp Converter
Convert Unix timestamps (seconds & milliseconds) to readable dates securely in real-time.
Read & decide
From the guides
Questions,
answered plainly.
The things people ask most, from the sitewide FAQ and popular calculator pages.
Start with the calculator closest to the decision in front of you. Use Tax Estimator for annual tax comparison, Lifetime Tax Analyst for tax paid so far, Runway Command Center for startup cash planning, Home Loan Calculator for EMI and prepayment questions, and SIP Calculator for long-term investing scenarios.
Yes. The public calculators are free to use and do not require sign-up. Heavier models run through the BusinessCalcs backend in the background, but the visitor flow is still built around quick access rather than account creation.
No account is required for the public tools, and BusinessCalcs is built for quick, privacy-conscious use. Some advanced calculators call secure backend functions to return a result, but your inputs are used to calculate the output rather than saved as a personal history.
Choose FY 2025-26 for income earned from April 1, 2025 to March 31, 2026. Use FY 2024-25 only for income earned from April 1, 2024 to March 31, 2025.
Use Basic for a quick monthly cash-burn estimate. Use Advanced when timing of hires, one-off costs, or future rounds materially changes the runway.
SIP spreads investments over time through regular contributions, while lumpsum invests the full amount at the start.
CAGR assumes one starting value and one ending value, while XIRR handles multiple cash flows occurring on different dates.
Use the calculators for comparison, planning, and decision framing. Before filing taxes, signing a loan, or making a legal or commercial commitment, verify the result against your official records, documents, and the latest applicable rules.
Use the methodology pages, editorial standards, and related guides linked from the homepage and directory. They explain assumptions, simplifications, update handling, and where a calculator should be treated as a planning aid rather than a final authority.