Free Financial Calculators
Calculate GST, VAT, EMI & Salary Instantly — Accurate, Free & Trusted
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Why FinanceToolHub
Our mission is to help finance professionals, business owners, freelancers, and individuals make smarter financial decisions — through accurate calculators, practical educational content, and trusted software recommendations.
100% Accurate Calculations
All calculations follow official government guidelines and tax regulations for India, UK, and Europe.
Instant Results
Get results in less than a second. No waiting, no complex setups - just enter your values and calculate.
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Completely free with no registration required. Simple, intuitive interface designed for everyone.
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Access all calculators from any device - desktop, tablet, or smartphone. Works 24/7 without any setup.
15+ Financial Tools
GST, EMI, VAT, Salary, SIP, and more - all your financial calculations in one place with consistent design.
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All calculations happen in your browser. No data is stored or sent to any server. Your privacy is guaranteed.
Calculator Categories
Browse calculators by category to find exactly the tool you need.
Tax Calculators
GST and VAT calculators for India, UK, and Europe.
Loan Calculators
EMI, home loan, car loan, and personal loan calculators.
Investment Calculators
SIP and compound interest calculators for investment planning.
Salary & HR Calculators
Salary and notice period calculators for employees and HR teams.
Business Calculators
Invoice generator and other tools for business operations.
Popular Tax Tools
Calculate GST, VAT, and other taxes with our specialized tax calculators designed for accuracy and speed.
GST Calculator
Calculate GST at 5%, 12%, 18%, and 28% for inclusive and exclusive amounts instantly.
18% GST Calculator
The most widely used GST rate for services, electronics, cosmetics, and general goods.
5% GST Calculator
Calculate GST on essential items like food grains, milk, bread, eggs, and basic medicines.
VAT Calculator
Calculate VAT for multiple countries with support for various rates and instant results.
UK VAT Calculator
Calculate UK VAT with support for standard, reduced, and zero rates for all business types.
Europe VAT Calculator
Calculate VAT for European markets with country-specific rates and compliance support.
France VAT Calculator
Calculate French TVA at the standard 20% rate or reduced 10% and 5.5% rates with inclusive and exclusive support.
Germany VAT Calculator
Calculate German VAT at the standard 19% rate or reduced 7% rate with inclusive and exclusive support.
Finance & Investment Tools
Calculate EMI, SIP, compound interest, and salary with comprehensive financial planning calculators.
EMI Calculator
Calculate loan EMI instantly for any loan type with flexible tenure and interest rate options.
Loan Calculator
Calculate monthly payments, total interest, and repayment for personal, business, home, and auto loans.
Mortgage Calculator
Estimate monthly mortgage payments, total interest, and home affordability from home price and down payment.
Home Loan EMI Calculator
Calculate home loan EMI with amortization schedule and interest breakdown for property purchases.
Car Loan EMI Calculator
Calculate car loan EMI with down payment, tenure, and interest rate for vehicle financing.
Salary Calculator
Calculate net salary, tax deductions, and take-home pay with support for various allowances.
SIP Calculator
Calculate Systematic Investment Plan returns and track your investment growth over time.
Compound Interest Calculator
Calculate compound interest earnings with flexible compounding periods and investment terms.
CAGR Calculator
Calculate Compound Annual Growth Rate for investments, mutual funds, and business revenue.
Inflation Calculator
Calculate the future value of money after inflation and understand purchasing power over time.
Savings Calculator
Estimate future savings growth from an initial deposit, monthly contributions, and interest over time.
Retirement Calculator
Estimate retirement savings, monthly income needs, and whether you're on track to meet your retirement goal.
Lumpsum Calculator
Estimate the future value of a one-time investment with compound growth over your chosen period.
SWP Calculator
Estimate regular withdrawals from an existing investment and track your remaining balance over time.
Personal Loan Calculator
Calculate personal loan EMI with flexible tenure and competitive interest rates instantly.
Business Tools
Essential tools for business management, invoicing, and HR operations.
ROI Calculator
Calculate Return on Investment percentage for business, marketing, and investment decisions instantly.
Profit Margin Calculator
Calculate gross and net profit margin, profit percentage, and markup for your business or ecommerce store.
Margin Calculator
Calculate profit margin from cost and selling price, or find the selling price you need for a target margin.
Markup Calculator
Calculate markup percentage, selling price, and profit from cost — built for retailers and ecommerce sellers.
Break-even Calculator
Find your break-even units and revenue from fixed costs, variable cost, and selling price — built for startups and small businesses.
Invoice Generator
Create professional invoices with GST calculations, customizable templates, and instant PDF generation.
1 Month Notice Period Calculator
Find your exact last working day when serving a 1 month (30 day) notice period. Instant result.
Notice Period Calculator
Calculate notice period and last working day for employee resignations and terminations.
UK Notice Period Calculator
Calculate UK statutory notice period, garden leave entitlement, and pay in lieu of notice (PILON) under UK employment law.
Notice Period Calculator India
Calculate last working day for 15, 30, 60 or 90 day Indian notice periods. Includes buy-out calculator and probation rules.
4 Weeks Notice Period Calculator UK
Find your exact last working day when serving a 4 week (28 day) notice period in the UK. Covers statutory rules and PILON.
Learning Center
Practical guides to help you understand taxes, VAT, and financial concepts — explained simply.
How to Calculate Notice Period
Notice period formula, calendar vs working days, and examples for India and UK.
Inclusive vs Exclusive GST
Understand the difference between inclusive and exclusive GST methods, with examples.
VAT Inclusive vs Exclusive
Understand VAT-inclusive vs VAT-exclusive pricing, with formulas and a live calculator.
How VAT Works
A beginner-friendly guide to how VAT works, who pays it, and how businesses collect and calculate it.
VAT vs Sales Tax
A clear comparison of VAT and sales tax systems, how each is collected, and where each is used.
Understanding GST Slabs
A clear guide to how GST rate slabs work in India, why rates differ, and how to calculate GST correctly.
CGST vs SGST vs IGST
A beginner-friendly guide to how GST is split into CGST, SGST, and IGST, and when each one applies.
Common GST Mistakes
A practical guide to the GST mistakes businesses and individuals make most often, and how to avoid them.
Investment Basics
A beginner's guide to investing — types of investments, risk vs return, diversification, and how to start.
SIP vs Lumpsum
Compare SIP and lumpsum investing with real examples and find out which strategy suits your goals.
ROI vs CAGR
Understand the difference between ROI and CAGR and learn which metric to use for your investments.
Compound Interest Explained
Learn how compound interest works, the formula behind it, and how it helps build wealth over time.
How Inflation Affects Savings
Understand how inflation reduces purchasing power over time and why investing matters for protecting your wealth.
EMI Formula Explained
Understand how EMI is calculated and how loan amount, interest rate, and tenure affect your monthly payment.
How Interest Is Calculated
A beginner-friendly explanation of how loan interest works, and how principal, rate, and tenure affect total cost.
Fixed vs Variable Loans
Compare fixed and variable loan interest rates, their advantages, risks, and how rate changes affect EMI.
Loan Repayment Strategies
Practical ways to repay loans efficiently, reduce interest costs, and choose a repayment strategy that fits your situation.
Common Financial Mistakes
A practical, beginner-friendly look at the most common money mistakes people make when borrowing, saving, investing, and planning.
Finance AI
FinanceToolHub is expanding beyond calculators to help you discover trusted AI software for bookkeeping, tax, forecasting, reporting, payroll, and more.
Finance AI Tools Directory
Browse AI software by category — bookkeeping, tax & compliance, forecasting & FP&A, reporting & analytics, OCR & document processing, and payroll.
Ramp Review
First ReviewOur first published AI finance software review — pricing, AI features, and alternatives for Ramp's spend management platform.
QuickBooks AI Review
PublishedOur review of QuickBooks Online's Intuit AI, Intuit Intelligence, accounting automation, pricing, and alternatives.
AI Bookkeeping Tools
Discover AI-powered bookkeeping and accounting software for businesses, accountants, bookkeepers, and finance teams.
AI Tax & Compliance Tools
Discover AI-powered tax and compliance software for tax professionals, accountants, businesses, and finance teams.
AI Forecasting & FP&A Tools
Discover AI-powered forecasting, budgeting, planning, and FP&A software for CFOs, finance teams, and business owners.
AI Reporting & Analytics Tools
Discover AI-powered software for financial reporting, dashboards, data analysis, and finance analytics.
AI OCR & Document Processing Tools
Discover AI-powered software for extracting and processing data from invoices, receipts, and financial documents.
AI Payroll Tools
Discover AI-powered payroll software and automation tools for businesses, HR teams, accountants, and finance professionals.
Start calculating in seconds
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What is GST in India
Goods and Services Tax (GST) is India's unified indirect tax, introduced July 1, 2017, replacing VAT, excise duty, and service tax with one streamlined system applied at every stage of production and distribution. Use our GST Calculator to instantly compute GST on any amount, or jump straight to 5% or 18% slabs.
GST was introduced to eliminate the cascading effect of taxes (tax on tax) and to promote a transparent, digital-first tax system. The tax is collected at each stage of production and distribution, with businesses able to claim input tax credits for GST paid on purchases.
Who pays GST? Registered businesses, manufacturers, traders, and service providers must collect and remit GST. Consumers ultimately bear the tax cost as it is included in the final price of goods and services. For lower tax brackets, use our 5% GST Calculator for essential items, or calculate 18% GST using our dedicated 18% GST Calculator.
How to Calculate GST
Formula for Exclusive GST
When GST is calculated on a pre-tax amount:
GST Amount = Net Amount × (GST Rate / 100)
Total Amount (Inclusive) = Net Amount + GST Amount
Formula for Inclusive GST
When GST is already included in the total price:
Net Amount = Total Amount / (1 + GST Rate / 100)
GST Amount = Total Amount - Net Amount
Example: Calculate GST at 18% on ₹1000
Exclusive GST:
Net Amount = ₹1000
GST (18%) = ₹1000 × 18% = ₹180
Total (Inclusive) = ₹1000 + ₹180 = ₹1180
Inclusive GST:
Total Amount = ₹1000 (including GST)
Net Amount = ₹1000 / 1.18 = ₹847.46
GST (18%) = ₹1000 - ₹847.46 = ₹152.54
Our GST Calculator India automates these calculations instantly for all supported slabs. Need to calculate for a specific rate? Use our 5% GST Calculator for lower tax slabs or use our 18% GST Calculator for the most common tax rate.
GST Slabs in India
Following the GST Council's GST 2.0 reform (effective September 22, 2025), India's earlier five-tier structure was simplified into four main slabs. Rates and product classifications can be revised again, so always confirm the current rate for a specific product or service with the official GST Portal. See our Understanding GST Slabs guide for a fuller explanation.
Nil / 0% GST Slab
Reserved for select essential items considered exempt from GST, such as certain unbranded food staples and specified life-saving items — illustrative categories, not a complete list.
5% GST Slab
Applied to everyday and priority items considered important but not fully exempt, including many items previously taxed at 12%. Calculate 5% GST instantly with our dedicated tool.
18% GST Slab
The standard, default rate now covering most goods and services, including many items that previously fell under the old 12% and 28% slabs. Calculate 18% GST using our dedicated calculator.
40% GST Slab
A higher rate reserved for a narrow set of luxury and "sin" goods, such as tobacco products and certain high-end items, replacing the old 28% slab's top end.
Earlier versions of India's GST structure also included 12% and 28% slabs; most items in those bands have since been reassigned to the 5% or 18% rates. If you see a 12% or 28% rate referenced elsewhere, treat it as historical unless confirmed current on an official source.