Business & Finance

Business Calculators for India: Salary, GST, ROI & Financial Metrics

Run the numbers that run your business. Free calculators for salary and payroll, business finance metrics like ROI, IRR and NPV, break-even and margins, working capital and registration costs, all built for Indian rules.

22free calculators

FY 2025-26India rules

100%free, no sign-up

Business calculators handle the recurring finance maths that founders, freelancers, HR and finance teams need, without a spreadsheet. This hub covers salary and payroll (CTC to in-hand, gratuity, leave encashment, bonus and hikes), core financial metrics for evaluating projects and investments (ROI, IRR, NPV, XIRR and DCF), break-even and margins for pricing decisions, and working capital, import duty and registration costs for running the business. Each tool uses Indian conventions, so payroll deductions, tax and rupee formatting all match local practice.

Salary & Payroll

10 tools

Bonus Overtime Arrears Calculator

Calculate your bonus overtime arrears in seconds.

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CTC In Hand Salary Breakup Calculator

Calculate your ctc in hand salary breakup in seconds.

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Dearness Allowance Calculator

Calculate your dearness allowance in seconds.

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Gratuity Calculator

Calculate your gratuity in seconds.

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Leave Encashment Calculator

Calculate your leave encashment in seconds.

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Notice Period Buyout Calculator

Calculate your notice period buyout in seconds.

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Pay Commission Salary Calculator

Calculate your pay commission salary in seconds.

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Salary Hike Calculator

Calculate your salary hike in seconds.

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Salary Take Home Pay Calculator

Calculate your salary take home pay in seconds.

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Superannuation Commutation Calculator

Calculate your superannuation commutation in seconds.

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Financial Metrics

5 tools

DCF Intrinsic Value Calculator

Calculate your dcf intrinsic value in seconds.

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IRR Calculator

Calculate your irr in seconds.

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NPV Calculator

Calculate your npv in seconds.

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ROI Calculator

Calculate your roi in seconds.

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XIRR Calculator

Calculate your xirr in seconds.

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Margins & Pricing

2 tools

Breakeven Point Calculator

Calculate your breakeven point in seconds.

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Intraday Net Profit Loss Calculator

Calculate your intraday net profit loss in seconds.

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Business Finance

5 tools

Business Registration Cost Calculator

Calculate your business registration cost in seconds.

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Car Depreciation Calculator

Calculate your car depreciation in seconds.

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e-Invoice TCS Calculator

Calculate your e-invoice tcs in seconds.

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Import Duty Calculator

Calculate your import duty in seconds.

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Working Capital Calculator

Calculate your working capital in seconds.

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Key business metrics explained

Metric	What it measures	Good for
ROI	Return on investment, as a %	Comparing simple returns
IRR	Annualised return of uneven cash flows	Project evaluation
NPV	Present value of future cash flows	Investment go/no-go
XIRR	IRR with dated, irregular flows	Real portfolios and SIPs
Break-even	Units or revenue to cover costs	Pricing and planning

Frequently Asked Questions

What is the difference between CTC and in-hand salary?

CTC (cost to company) is your total package including employer PF, gratuity and benefits, while in-hand salary is what actually reaches your bank after PF, professional tax and TDS. In-hand is typically 70-85% of CTC. The CTC to In-Hand calculator breaks this down.

How is gratuity calculated in India?

For employees covered by the Payment of Gratuity Act, gratuity is (last drawn salary x 15/26) x years of service, payable after 5 years of continuous service. Up to 20 lakh is tax-exempt. Use the Gratuity calculator for your amount.

What is the difference between IRR and NPV?

NPV gives the value a project adds in today’s rupees at a chosen discount rate, so positive NPV means it is worth doing. IRR is the discount rate at which NPV is zero, expressed as an annual return. Both use the same cash flows; use them together for investment decisions.

When do I need GST registration for my business?

GST registration is generally mandatory once turnover crosses 40 lakh for goods or 20 lakh for services (20 lakh and 10 lakh in special-category states). Below that it is voluntary. Inter-state supply and e-commerce may require registration regardless of turnover.

How much working capital does my business need?

Working capital is current assets minus current liabilities, the money needed to fund day-to-day operations. The right amount depends on your operating cycle, how long cash is tied up in inventory and receivables. The Working Capital calculator helps you size it.

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All calculators on CalcWise.Finance are free, work on any device, and use Indian rules for FY 2025-26. Results are estimates for educational use, not financial advice; verify important figures and consult a SEBI-registered adviser for decisions. See our disclaimer.