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Free MSME Business Tools India

Essential calculators and generators for Indian MSME owners and entrepreneurs. 100% free, no signup.

Tax & Compliance
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Section 43B(h) MSME Interest

Compound interest at 3x RBI bank rate for delayed payments to MSME suppliers under MSMED Act.

Calculate Interest โ†’
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GST Composition vs Regular

Compare tax outflow, ITC credit eligibility, and compliance between Composition (1%/5%/6%) and Regular GST.

Compare Schemes โ†’
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Section 44AD Presumptive Tax

Deemed profit (6%/8% for business up to โ‚น3 Cr, 50% for 44ADA). No books or audit required.

Calculate Savings โ†’
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TDS Calculator India

Calculate TDS under Section 192, 194C, 194J, 194I and all sections. FY 2025-26 rates.

Calculate TDS โ†’
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GST Invoice Generator

Create tax invoices, proforma, delivery challans, purchase orders. 12 formats free.

Generate Invoice โ†’
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Income Tax Calculator

New vs old regime for FY 2025-26. Includes surcharge, cess, standard deduction.

Calculate Tax โ†’
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GST Calculator

Add/remove GST. All slabs: 5%, 12%, 18%, 28%. CGST+SGST and IGST breakdown.

Calculate GST โ†’
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Import Duty Calculator

Total landed cost for imports โ€” customs duty, IGST, CESS. 2026 tariff rates.

Calculate Duty โ†’
Financial Planning
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Cash Credit (CC/OD) Interest

Monthly interest on daily average utilized balance, drawing power, and commitment charges.

Calculate Interest โ†’
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Cash Conversion Cycle

DIO + DSO โˆ’ DPO working capital cycle and trapped capital financing costs.

Calculate CCC โ†’
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P&L Calculator

Gross profit, EBITDA, operating profit, net profit and all margins in one tool.

Calculate P&L โ†’
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MSME Loan Eligibility

Check Mudra and MSME loan eligibility based on turnover, profit, CIBIL score.

Check Eligibility โ†’
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Business Loan EMI

Monthly EMI for MSME, Mudra, working capital loans. Full amortization schedule.

Calculate EMI โ†’
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Break-Even Calculator

Break-even units, revenue, contribution margin for any Indian business model.

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Business Valuation

Value your MSME using EBITDA, revenue multiple, and asset-based methods.

Value Business โ†’
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Working Capital

Net working capital, current ratio, cash conversion cycle calculation.

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HR & Payroll
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Salary Slip Generator

Employee salary slips with PF 12%, HRA, professional tax auto-calculated. Print PDF.

Generate Slip โ†’
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CTC to Take-Home

Convert annual CTC to monthly take-home salary after all deductions.

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Advance Tax Calculator

FY 2025-26 advance tax instalments, due dates, and Section 234C interest on shortfall. For all taxpayers.

Calculate โ†’
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Depreciation Calculator

WDV and SLM depreciation with year-wise schedule. All asset categories as per Income Tax Act and Companies Act.

Calculate โ†’