How to calculate gratuity for fixed-term employees in India 2025?

Fixed-term employees are now eligible for gratuity after just 1 year (12 months) of service under the Code on Social Security 2020. Formula: (Basic Salary / 26) × 15 × Years of Service. Use our free calculator to get instant results.

What is the social security cess for gig workers?

Aggregators must contribute 1-2% of their annual turnover to a social security fund, capped at 5% of the amount payable to workers. This fund covers health, maternity, pension, and disability benefits for gig workers.

Which tax regime is better for freelancers - Old or New?

For freelancers using Section 44ADA (presumptive taxation), compare both regimes. New regime offers lower rates but no deductions. Old regime allows standard deduction and Section 87A rebate. Use our tax comparator for personalized results.

34 Free Calculators: Gratuity, Tax, EMI, Freelance, Business Tools

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FREE

Social Security Cess Estimator

How much is the platform contributing for you? Calculate social security benefits.

Code 2020 Health & Pension Platform Funded

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Social Security for Gig Workers

Under the Code on Social Security 2020, aggregator platforms (Uber, Zomato, Swiggy, etc.) must contribute to a Social Security Fund for their gig workers.

🎯 Fund Coverage:

🏥 Health Insurance: Coverage for medical emergencies
🤰 Maternity Benefits: For female gig workers
👴 Pension/Retirement: Old age security
🚑 Accident Insurance: Work-related injuries

💰 Platform Contribution: 1-2% of turnover or maximum 5% of your earnings - whichever is lower. This is automatically paid by platforms, not deducted from workers.

Code on Social Security 2020: Aggregators must contribute 1-2% of their turnover to a fund (maximum: 5% of your earnings). This fund is for your health, maternity, and pension benefits.

Your Annual Earnings from Platform (₹)

Total income from platform in 1 year

Select Your Platform

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FREE

Freelance Tax Comparator (FY 2025-26)

Section 44ADA - Old vs New Tax Regime comparison made easy!

Section 44ADA Smart Comparison Tax Saving

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Old vs New Tax Regime - Which is Better?

India has two tax regimes: Old (with deductions) and New (simplified, lower rates). For Section 44ADA professionals, this calculator automatically tells you which regime is better for you.

📘 Old Regime:

✓ Deductions: 80C (₹1.5L), 80D (₹25K-50K)
✓ Standard Deduction: ₹50,000
✓ HRA, LTA exemptions available
✗ Higher tax slabs (30% max)

📙 New Regime:

✓ Lower tax rates (25% max till ₹15L)
✓ Simplified - no deduction hassle
✓ ₹3L rebate under 87A (0% tax up to ₹7L)
✗ No deductions except 80CCD(2)

💡 Section 44ADA: Professionals earning up to ₹75 lakh can presume 50% of gross receipts as profit. No books of accounts needed!

Presumptive Taxation (44ADA): Professionals like doctors, CAs, freelancers can automatically assume that 50% of their income is profit. No need to maintain books!

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FREE

EPF Calculator (12% + 12%)

Employee + Employer PF contribution calculator - Build your retirement corpus!

Retirement Fund 8.25% Interest Tax Free

💰

Employee Provident Fund (EPF) - Your Retirement Corpus

EPF is a mandatory retirement savings scheme. 12% of your salary and 12% from employer = total 24% saved every month. It grows with tax-free compound interest!

💡 EPF Breakdown:

👤 Employee: 12% of Basic + DA → Full goes to EPF account
🏢 Employer 12% split: 3.67% to EPF + 8.33% to EPS (Pension)
💹 Current Interest: 8.25% p.a. (compounded annually)
🎯 Withdrawal: After 5 years or retirement (completely tax-free)
🚨 Pre-mature withdrawal: Allowed for home, medical, education

🎉 Tax Benefits: EPF contribution eligible for 80C deduction (up to ₹1.5L). Interest earned + maturity amount = 100% tax-free!

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FREE

Leave Encashment Calculator

Calculate unused leave payout value - Convert leaves to cash!

Resignation/Retirement Quick Calculation Instant Result

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Leave Encashment - Convert Unused Leaves to Cash

Leave Encashment means converting your unused leaves to cash. This benefit is available on resignation, retirement, or leave accumulation.

📋 Key Rules:

🎯 Earned Leaves: Generally 1-1.5 leaves per month (12-18 per year)
📊 Calculation: (Daily Basic + DA) × Unused Leave Days
💼 At Resignation: Company policy decides (not mandatory)
👴 At Retirement: Mandatory encashment up to max 30 days
💰 Tax: Exempt up to ₹25 lakh (₹3 lakh for non-govt)

⚠️ Note: In the private sector, encashment depends fully on company policy. Government employees have fixed rules. Always check your employment contract!

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FREE

Hourly Rate Calculator

Calculate your per-hour earning rate - Know your true worth!

Freelancing Real Rate Instant

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Know Your True Hourly Worth

Knowing your hourly rate is very important for freelancing quotes, overtime calculations, and salary negotiations. It tells you your exact per-hour value.

📊 Industry Standards:

IT/Software: ₹500-₹2,500/hour
Design/Creative: ₹300-₹1,500/hour
Consulting: ₹1,000-₹5,000/hour
Content Writing: ₹200-₹800/hour
Teaching/Training: ₹250-₹1,200/hour

💡 Tip: Freelancers should charge 2-3x their salaried hourly rate because they need to cover benefits, taxes, and unpaid time!

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FREE

Delivery Partner Earnings

Swiggy/Zomato/Dunzo earnings estimator - Plan your income!

Gig Economy Real Earnings Peak Hours

🛵

Understanding Delivery Partner Income

Delivery partners working with platforms like Zomato, Swiggy, Dunzo, Shadowfax earn based on multiple factors. This calculator estimates your accurate monthly income.

💰 Income Components:

📦 Per Order Payment: ₹15-50 depending on distance, peak hours, and platform
⚡ Peak Hour Bonus: 1.5x-2x payment during lunch (12-2 PM) and dinner (7-10 PM)
🎯 Incentives: Weekly/monthly targets for extra ₹2,000-5,000
💵 Tips: Customer tips average ₹20-30 per order (optional but adds up!)
⛽ Expenses: Fuel ₹2,000-4,000/month, maintenance ₹500-1,000/month

⚠️ Important: This is gross income. Deduct fuel and maintenance costs separately. Average net income: ₹20,000-40,000/month depending on city and working hours.

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FREE

Cab Driver Income (Uber/Ola)

Calculate take-home after platform commission and costs

Ride Hailing Net Income Real Costs

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Cab Driver Real Income - After Platform Cuts

Uber/Ola driver earnings need platform commission, fuel, and maintenance costs to be deducted. This calculator tells you your actual take-home.

💰 Income Components:

✓ Base fare: ₹50-80 minimum
✓ Per km: ₹12-18
✓ Per minute: ₹1-2
✓ Peak hours: 1.5x-2.5x surge
✓ Incentives: ₹3,000-8,000/week

🚨 Costs to Consider:

✗ Commission: 18-25% to platform
✗ Fuel: ₹4,000-7,000/month
✗ Maintenance: ₹2,000-3,000/month
✗ EMI (if applicable): Variable
✗ Insurance: ₹15,000-25,000/year

🎯 Average Net: Working 10-12 hours daily in metro cities, a realistic net monthly income is ₹30,000-50,000.

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FREE

Freelance Project Pricing

Quote calculator with expenses & profit margin - Price it right!

Smart Pricing Profit Margin Professional

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Price Your Freelance Projects Like a Pro

Freelance project pricing should include not just hourly rate, but also direct expenses and profit margin. Underquoting leads to loss!

📈 Pricing Formula:

Quote = (Hours × Rate + Expenses) ÷ (1 - Profit %)

Example: (40 hrs × ₹500 + ₹2,000) ÷ (1 - 0.20) = ₹27,500

🚨 Don't Forget:

✓ Software licenses/subscriptions
✓ Stock photos, fonts, assets
✓ Revisions time (include 2-3 rounds)
✓ Communication/meeting time
✓ Buffer for scope creep (10-15%)

🎯 Recommended Margins: Beginners 15-20%, Experienced 25-35%, Premium 40-50%

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FREE

Salary to Freelance Converter

What freelance rate equals your salary? Find your true worth!

Career Switch Fair Rate Instant

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Salary to Freelance - The Real Calculation

Leaving your job for freelancing? Calculating the freelance rate equivalent to your salary is very important. You must count benefits, taxes, and unpaid time!

🎯 Why 2-3x Your Hourly Rate?

🏥 No Benefits: Health insurance (₹20-30K/year), PF (12%)
💸 Taxes: Full tax burden on you (no TDS adjustment)
📅 Unpaid Time: Marketing, admin, invoicing (20-30% time)
⏸️ No Paid Leave: Sick days, vacation = ₹0 income
🛠️ Equipment: Laptop, software, internet - your cost
📊 Income Gaps: Buffer needed between projects

⚠️ Example: ₹60,000 monthly salary = ₹288/hour salaried → Freelance rate should be ₹600-800/hour minimum!

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FREE

Invoice Amount Calculator

Calculate with GST, TDS deductions - Know your receivables!

GST Compliant TDS Ready Net Amount

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Professional Invoice - GST + TDS Ready

For freelancers and gig workers, accurate invoice calculation is very important. Both GST addition and TDS deduction understanding must be correct!

📊 Invoice Components:

Base Amount: Your actual service fee
+ GST: 18% (most services), 12%, 5%
= Invoice Total
- TDS: If applicable (194J/194C)
= You Receive: Net payment

💡 TDS Sections:

194J (10%): Professional/technical services
194C (2%): Contractors/work contracts
When TDS? If client is company/registered
No TDS: Individual to individual payments

⚠️ Important: TDS is deducted on the GST invoice total (not on base amount). Example: ₹50,000 + ₹9,000 GST = ₹59,000 → TDS on ₹59,000!

Base Service Amount (₹)

GST Rate (%)

TDS Applicable?

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FREE

Platform Fee Calculator

Compare Upwork, Fiverr, Freelancer fees - Choose wisely!

Fee Comparison Net Earnings Platform Wise

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Platform Commission Wars - Compare Before You Choose

Every freelance platform charges different commissions. Choosing the cheapest platform can make a big difference in your income!

🏆 Platform Commission Rates:

🥇 Fiverr: 20% flat (highest but easy to start)
🥈 Upwork: 20% (first $500) → 10% ($500-$10K) → 5% ($10K+)
🥉 Freelancer: 10% or $5 (whichever is higher)
💼 Toptal: 0% (but strict entry, direct billing)
🇮🇳 Truelancer: 15% (India-focused)

💡 Smart Strategy: Working repeatedly with the same client reduces commission on Upwork. Long-term clients = More earnings!

⚠️ Hidden Costs: Also check payment processing fees (2-3%), withdrawal fees ($1-3), currency conversion charges!

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FREE

GST Calculator

Calculate inclusive/exclusive GST amounts - Simplified taxation!

GST Compliant Instant Result All Rates

💹

GST (Goods & Services Tax) Explained

GST is an indirect tax levied on the supply of goods and services in India. It is a destination-based tax - meaning tax is applied where consumption happens.

🔢 GST Rates in India:

0%: Essential items (milk, bread, books)
5%: Necessities (tea, edible oil, transport)
12%: Standard goods (computers, processed food)
18%: Most services (IT, consulting, hotels)
28%: Luxury items (cars, AC, tobacco)

📊 GST Components:

CGST: Central GST (to Central Government)
SGST: State GST (to State Government)
IGST: Integrated GST (inter-state transactions)
Example: 18% GST = 9% CGST + 9% SGST

💡 When to Register: Freelancers and gig workers must register for GST if annual turnover exceeds ₹20 lakh. For services: ₹20 lakh (₹10 lakh for special category states).

📝 Two Types of Calculation:

GST Exclusive: When you have base price (₹1,000) and need to add 18% GST → Final: ₹1,180

GST Inclusive: When final price includes GST (₹1,180) and you need to extract base → Base: ₹1,000

Amount Type

Amount (₹)

GST Rate (%)

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FREE

TDS Calculator (194J/194C)

Tax Deducted at Source calculator - Know your deductions!

Section 194J Section 194C Tax Compliant

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TDS - Tax Deducted at Source Explained

TDS is an advance tax that clients deduct from your payment and pay to the government. This is not your final tax - but rather an advance payment that gets adjusted when you file ITR!

📋 Common TDS Sections:

💼 194J (10%): Professional/Technical services - CA, doctor, lawyer, consultant, software developer
🏗️ 194C (2%): Contractors/Work contracts - construction, supply contracts
💰 194H (5%): Commission/Brokerage - sales agents, influencers
🏠 194I (10%): Rent - office space, equipment rental
🚨 No PAN? 20%! Always provide PAN to avoid higher rate

✅ Good News: TDS is your own money! You get a refund when filing ITR if actual tax is lower.

📝 Pro Tip: Check Form 26AS or AIS - this is where all your TDS is recorded. It helps with ITR filing!

Payment Amount (₹)

TDS Section

Have PAN?

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FREE

Advance Tax Calculator

Quarterly advance tax payment schedule - Avoid penalties!

Quarterly Payment Schedule Compliance

📆

Advance Tax - Pay as You Earn

If your tax liability is more than ₹10,000, paying advance tax is compulsory. Freelancers, gig workers, business owners must pay every quarter - not all at year-end!

📅 Payment Schedule (FY 2025-26):

🗓️ 15 June 2025: 15% of total tax
🗓️ 15 Sept 2025: 45% of total tax (cumulative)
🗓️ 15 Dec 2025: 75% of total tax (cumulative)
🗓️ 15 March 2026: 100% of total tax (remaining)

⚠️ Late Payment Penalty: Missing payment attracts 1% interest per month! Pay on time.

💡 How to Pay: Income Tax e-filing portal → e-Pay Tax → Challan 280 → Select 100 (Advance Tax) → Pay via net banking/UPI

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FREE

Professional Tax Calculator

State-wise professional tax - Maharashtra, Karnataka, etc.

State Tax All States Instant

🇮🇳

Professional Tax - State Government Tax

Professional Tax is a state-level tax levied on profession, trade, calling, or employment. Every state has a different rate, some states have none at all!

🗺️ State-wise PT Rates:

🟢 Maharashtra: ₹200/month (max ₹2,500/year)
🟡 Karnataka: ₹200/month (max ₹2,400/year)
🔵 West Bengal: ₹208/month (max ₹2,500/year)
🟠 Tamil Nadu: Abolished (0%)
⚪ Andhra Pradesh: ₹150-200/month
🟣 Telangana: ₹150-200/month

✅ Tax Benefit: Professional Tax is fully deductible from income tax under Section 16! Meaning what you paid will reduce your income tax.

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FREE

Take Home Salary Calculator

In-hand salary after all deductions - Real income!

Net Salary All Deductions In-Hand

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Take Home - Your Real In-Hand Salary

There is a big difference between gross salary and take-home salary! EPF, professional tax, income tax - what comes to your account after all deductions is the real salary.

📉 Common Deductions:

🏦 EPF (12%): 12% of Basic + DA (mandatory)
🏛️ Professional Tax: ₹200-250/month (state-wise)
📊 Income Tax (TDS): According to salary slab
🏛️ ESI (0.75%): If salary < ₹21,000
💳 Other: Loan EMI, insurance (if deducted)

💡 Rule of Thumb: Take-home typically 70-80% of gross salary. Higher salary = higher tax = lower percentage take-home.

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FREE

CTC to In-Hand Converter

Real salary from Cost to Company - Reality check!

CTC Breakdown Real Salary Monthly Amount

💰

CTC vs In-Hand - The Reality Check

CTC (Cost to Company) is the total amount that a company spends on you - but this is absolutely not your real salary! In-hand is generally 60-70% of CTC.

🧩 CTC Breakdown:

💵 Basic (40-50%): Core salary component
🏠 HRA (40-50% of Basic): House Rent Allowance
🚌 LTA, Medical: Special allowances
🏦 Employer EPF (12%): You don't get this (goes to savings account)
🛡️ Insurance/Gratuity: Company pays but not in your pocket
🎁 Bonus, Performance: Variable, may or may not get

⚠️ Interview Tip: ₹8 lakh CTC ≈ ₹45-50K in-hand/month. Always ask for monthly in-hand clearly!

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FREE

Detailed Income Tax Calculator

With deductions u/s 80C, 80D, HRA - Complete planning!

All Deductions 80C & 80D Tax Savings

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Detailed Tax - Complete Tax Planning

Complete tax calculator with all deductions! 80C, 80D, HRA, home loan interest, NPS - enter everything and know exact tax. Old vs New regime comparison too!

📉 Major Deductions Available:

OLD REGIME:

✓ 80C: ₹1.5L (EPF, PPF, ELSS, etc.)
✓ 80D: ₹25K-50K (Health insurance)
✓ 80CCD(1B): ₹50K extra (NPS)
✓ 24(b): ₹2L (Home loan interest)
✓ HRA: Actual rent - 10% salary
✓ LTA: Travel allowance

NEW REGIME (2023+):

✓ Lower tax slabs (₹7L exempt)
✓ No deductions allowed
✓ Simple calculation
✓ Best if no investments
✓ 👉 Compare both!

📊 Example: ₹10L income, ₹2L deductions (old) → Tax ₹78K vs New regime ₹75K. Compare!

🎯 Strategy: High income + investments = Old regime. Low deductions = New regime better!

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FREE

EMI Calculator

Calculate monthly loan installment - Plan your budget!

Loan Planning Monthly Payment Interest Breakdown

🏦

What is EMI?

EMI (Equated Monthly Installment) is a fixed payment that you make every month to repay your loan. It includes both principal amount and interest.

🔢 EMI Formula:

EMI = [P × R × (1+R)^N] / [(1+R)^N - 1]

Where: P = Principal, R = Monthly Interest Rate, N = Number of months

💡 Key Points:

✓ Initially more interest is paid
✓ Later more principal is paid
✓ Higher EMI = Less total interest
✓ Longer tenure = Lower EMI but more interest

📊 Typical Interest Rates:

Home Loan: 8.5%-9.5% p.a.
Car Loan: 9%-11% p.a.
Personal Loan: 10.5%-24% p.a.
Education Loan: 8%-12% p.a.

💰 Pro Tip: Your EMI should not exceed 40-50% of your monthly income for healthy finances. Exceeding this can cause financial stress.

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FREE

Loan Eligibility Calculator

How much loan can you get? - Check eligibility!

Max Loan Amount FOIR Based Instant Check

🏦

Loan Eligibility - Maximum Borrowing Capacity

Banks decide how much loan they can give based on your monthly income and existing obligations. FOIR (Fixed Obligation to Income Ratio) is a key factor.

🎯 FOIR Calculation:

Max EMI = Monthly Income × FOIR %

Home Loan: 50-60% FOIR allowed
Personal Loan: 40-50% FOIR
Car Loan: 40-45% FOIR
Existing EMIs: Deducted from available FOIR

💡 Example: ₹50K income, 50% FOIR = ₹25K max EMI → ~₹25 lakh loan @ 10% for 20 years

🚀 Boost Eligibility: Add co-applicant, increase tenure, reduce existing debts, improve credit score

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FREE

MUDRA Loan Calculator

Shishu/Kishore/Tarun scheme calculator - Micro business!

Govt Scheme Collateral Free Small Business

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MUDRA Loan - Micro Business Funding by Govt

MUDRA (Micro Units Development & Refinance Agency) is a government-backed loan scheme for small businesses. Collateral-free, easy process!

📊 Three Categories:

🐣 Shishu (Baby): Up to ₹50,000 - Starting/very small business
🦅 Kishore (Adolescent): ₹50K - ₹5L - Established small business
🦁 Tarun (Young): ₹5L - ₹10L - Growing business

✅ Who Can Apply?

✓ Small manufacturers, traders, services
✓ Street vendors, shopkeepers
✓ Delivery partners buying vehicle
✓ Home-based businesses
✓ Self-employed professionals

🎯 Interest: 8-12% p.a. (varies by bank). No processing fee for Shishu!

📝 Documents: Aadhar, PAN, Business proof, Bank statements (6 months), Address proof

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FREE

Personal Loan Comparison

Compare total cost across lenders - Find best deal!

Multi Lender Total Cost Best Rate

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Loan Comparison - Find the Best Deal

If you get loan offers from multiple banks, don't just look at interest rate! Compare processing fee, prepayment charges, total cost - everything. Even a 0.5% interest difference can make a difference of lakhs!

🔍 What to Compare:

📊 Interest Rate: 0.25% difference = ₹50K on ₹25L/20yrs
💳 Processing Fee: 0.5-2% upfront cost
⚡ Prepayment: Some allow free prepayment, others charge 2-4%
📅 Tenure Flexibility: Can you extend/reduce?
🎁 Hidden Charges: Documentation, verification fees

⚠️ Trap Alert: Low interest but 2% processing fee = expensive! Always calculate total outflow.

💡 Pro Tip: Use loan balance transfer if current rate > 1% higher than market. Savings > transfer cost!

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FREE

Vehicle Finance Calculator

Bike/Scooter loan for delivery partners - Own your ride!

Two Wheeler Commercial Use Delivery Partners

🏍️

Vehicle Finance - Delivery Partner Special

Bike/scooter loan for delivery partners! Tax benefits through Commercial vehicle loan (Section 44AE). Higher EMI but asset ownership + depreciation benefits!

🎯 Vehicle Loan Options:

🛵 Two-Wheeler (Personal): 10-14% interest, up to 90% funding
🏍️ Commercial Vehicle: 10-12%, tax benefits under 44AE
⚡ Electric Vehicle: 8-9% + FAME subsidy (₹10-30K)
💰 Down Payment: 10-20% of vehicle price
📅 Tenure: 1-5 years (shorter = less interest)

💡 Example: ₹60K bike, 20% down (₹12K) = ₹48K loan @ 12% for 3 years = ₹1,594 EMI

⚠️ Important: Commercial registration mandatory for delivery work. Insurance slightly higher but Section 44AE allows ₹7,500/month deemed expense!

🚀 Pro Tip: Electric vehicle saves ₹200-300/day in fuel! EMI ₹2K but fuel savings ₹6K/month = net profit!

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FREE

Break-Even Calculator

When will your business become profitable? Find your break-even point!

Profit Planning Business Math Startup Tool

🎯

Break-Even - Profit ki Shuruaat

Break-even point is the stage where your business is at no profit, no loss. After this, every sale = pure profit!

📊 Break-Even Formula:

Units = Fixed Costs ÷ (Selling Price - Variable Cost)

🏠 Fixed Costs: Rent, salaries - same every month
💰 Variable Costs: Raw material, packaging - per unit
💵 Contribution Margin: Selling - Variable = profit per unit

💡 Example: Fixed ₹20K, Sell ₹500, Variable ₹300 → Need 100 units to break-even

⚠️ Warning: Lower break-even = safer business. High break-even = risky!

🚀 Strategy: Reduce fixed costs, increase selling price, or reduce variable costs to lower break-even!

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FREE

Profit Margin Calculator

Calculate gross & net profit margins - Optimize pricing!

Gross Margin Net Margin Profitability

Calculate gross & net profit margins

💹

Profit Margin - Your Business Health Indicator

Profit margin tells you how much profit remains in every ₹100 of sales. High margin = healthy business! This is the most important business metric.

🟢 Gross Profit Margin:

(Revenue - COGS) ÷ Revenue × 100

After deducting only direct costs. Not operating expenses.

Good: 50%+ (services), 30%+ (products)

🔵 Net Profit Margin:

(Revenue - All Costs) ÷ Revenue × 100

Final profit percentage after all expenses.

Good: 20%+ (services), 10%+ (products)

💡 Example: ₹1L revenue, ₹60K COGS, ₹20K operating → Gross: 40%, Net: 20%

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FREE

ROI Calculator

Return on Investment calculator - Measure success!

Returns Performance Percentage

📈

ROI - Is Your Investment Worth It?

Return on Investment (ROI) tells you how much return you got on the money you invested. Higher ROI = better investment decision!

📊 ROI Formula:

ROI = (Profit - Investment Cost) ÷ Investment Cost × 100

✓ Positive ROI: Made profit (Good!)
✓ Negative ROI: Made loss (Bad)
✓ 100% ROI: Investment doubled
✓ 50% ROI: 50% extra gain

💡 Example: ₹50K invest, ₹80K return → ROI = 60% (Excellent!)

🎯 Use Cases: Marketing campaigns, equipment purchase, training programs, business expansion

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FREE

Discount Calculator

Calculate discounts & final price - Smart shopping!

Savings Final Price Instant

Calculate sale price & discount percentage

💸

Discount Pricing - Strategy for Sales

Discounts increase sales but reduce profit. The right discount percentage is very important - not too much, not too little!

🎯 Discount Psychology:

🔥 10-15%: Regular offers, maintains value perception
⚡ 20-30%: Seasonal sales, good urgency creator
💥 40-50%: Clearance, high impact but profit loss
🚨 60%+: Emergency liquidation, desperation signal

⚠️ Warning: Frequent heavy discounts train customers to wait for sales. Brand value drops!

💡 Smart Tip: Bundle discounts (buy 2 get 1) better than straight % off. Same savings, better psychology!

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FREE

Commission Calculator

Sales commission & agent earnings - Calculate your cut!

Sales Commission Agent Earnings Percentage

🤝

Commission-Based Income - Calculate Your Earnings

Commission is a percentage of sale amount that goes to salesperson/agent. Performance-based income - the more you sell, the more you earn!

📊 Industry Standards:

Real Estate: 1-2% (high ticket)
Insurance: 10-40% (first year premium)
Retail: 1-5% (low margin)
B2B Sales: 5-15% (enterprise)
Affiliate Marketing: 5-50% (varies)
Direct Selling (MLM): 20-30% (multi-level)

💡 Calculation: ₹5 lakh sales × 10% = ₹50,000 commission

🎯 Pro Tip: Tiered commissions motivate more - 5% up to ₹1L, 7% on ₹1-2L, 10% above ₹2L!

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FREE

Customer Acquisition Cost (CAC)

Cost to acquire one customer - Marketing efficiency!

Marketing Cost Per Customer ROI Metric

💵

CAC - Customer Acquisition Cost

CAC tells you how much it costs to acquire one customer. If CAC < Lifetime Value, the business is profitable!

📊 CAC Formula:

CAC = Total Marketing Spend ÷ New Customers Acquired

💸 Marketing Spend: Ads, promotions, sales team salary
👥 New Customers: Only new, not repeat customers
📈 LTV (Lifetime Value): Total revenue from one customer
✅ Healthy Ratio: LTV should be 3x of CAC

💡 Example: ₹50K marketing, 250 customers = ₹200 CAC. LTV ₹5,000 = 25x ratio (Excellent!)

⚠️ Red Flag: CAC > LTV = losing money on each customer! Reduce ad spend or increase retention.

🚀 Reduce CAC: Focus on organic (SEO, referrals), target better, improve conversion rate!

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FREE

Fuel Cost Calculator

For delivery partners & cab drivers - Track expenses!

Daily Expense Mileage Track Cost per KM

🚨

Fuel Cost - Track Your Biggest Expense

For delivery and cab drivers, fuel cost is the biggest expense! Daily tracking will tell you what your real income is.

📊 Typical Fuel Costs (2025):

🏍️ Bike Delivery: 50-60 km/L → ₹200-300/day (100 km @ ₹105/L petrol)
🚕 Cab (CNG): 20-25 km/kg → ₹400-600/day (200 km @ ₹75/kg)
🚗 Cab (Petrol): 12-15 km/L → ₹900-1200/day (150 km)
⚡ EV (Electric): ₹1-2/km charging → ₹100-200/day (150 km) - 🚀 Huge savings!

⚠️ Reality Check: Fuel + maintenance typically 30-40% of gross earnings. ₹1000 earned → ₹350 fuel = ₹650 real income.

💡 Savings Tips: Regular servicing (+10% mileage), proper tire pressure, avoid peak traffic, plan routes smartly!

📝 Tax Benefit: Section 44AE/44ADA - save fuel bills for tax deduction. You can claim 30-40% expense!

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FREE

SIP Calculator

Systematic Investment Plan returns - Build wealth!

Mutual Funds Wealth Building Compound Returns

📊

SIP - Systematic Investment Plan

SIP is the best way to invest regularly in mutual funds. Power of compounding + Rupee Cost Averaging - benefit whether market goes up or down!

🎯 Why SIP Works:

💰 Rupee Cost Averaging: When market falls, more units; when it rises, fewer - average works out
🚀 Compounding Magic: Returns on returns - even 10x possible in 15 years!
🎯 Discipline: Auto-debit - savings become automatic
🔄 Flexibility: Start ₹500, pause/increase anytime

💡 Real Example: ₹5,000/month for 20 years @ 12% = ₹12L invested → ₹49.96L maturity! 4x return!

🚀 Pro Tip: Do step-up SIP - increase by 10% every year. When income grows, SIP grows too. Corpus will become 2x!

🏦

FREE

FD Calculator

Fixed Deposit maturity calculator - Safe returns!

Fixed Returns Safe Investment Guaranteed

🏛️

Fixed Deposit - Guaranteed Safe Returns

FD is the safest investment - guaranteed returns, no market risk! Senior citizens get 0.5% extra interest. Best for emergency fund!

💰 Current FD Rates (2025):

🏦 SBI/HDFC/ICICI: 6.5-7.25% (general), 7-7.75% (senior)
🏛️ Post Office: 7-7.5% (5 years) - tax-saving option
🏪 Small Finance Banks: 8-9% (slightly risky but insured)
⏰ Tenure Impact: 5 years > 1 year (higher rate)

💡 Tax: Interest fully taxable as per your slab. TDS 10% if annual interest > ₹40K (₹50K for seniors).

🎯 Strategy: Ladder FDs - Split ₹5L into ₹1L × 5 FDs with different maturities. Liquidity + higher rates!

🔐 Safety: ₹5 lakh insured by DICGC per bank. Spread across banks if > ₹5L.

🎂

FREE

Age Calculator

Calculate exact age from date of birth - Time tracking!

Quick Calculation Instant Result Date Based

🕒

Age Calculator - Time Tracking

Know your exact age - years, months, days, even hours! Useful for government forms, retirement planning, age-proof documents.

🎯 Use Cases:

📝 Government Forms: Exact age required for certificates
👶 Baby Milestones: Track development (6 months, 1 year, etc.)
🎓 School Admission: Age cutoff dates
💼 Retirement Planning: Years till 60/58
🎉 Fun Facts: Days lived, weeks old!

💡 Fun: 25 years = 9,125 days = 219,000 hours lived! Every day counts!

⏱️

FREE

Work Hours Tracker

Calculate total work hours & earnings - Know your worth!

Time Tracking Hourly Billing Productivity

🕰️

Time Tracker - Know Your Worth

Time tracking is very important for freelancers and gig workers. How much work done? How much will you get? Client billing will be accurate!

🎯 Why Track Time?

💸 Accurate Billing: Bill client for exact hours
📈 Productivity: Find out where time is being wasted
🔄 Optimize Workflow: Fast work = more projects
📊 Rate Validation: Find out actual per-hour earnings

🚀 Pro Tip: 25 hours/week billable work is realistic (out of 40 hours). Rest is admin, breaks, emails.

💡 Tool Suggestion: Use Toggl, Clockify (free) - automatic tracking apps for detailed reports!

Free Labour Calculators 34+ Tools for Workers

Important Disclaimer

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Gratuity Calculator

Social Security

Tax Comparator

EPF Calculator

Leave Encashment

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Cab Driver Income

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Work Hours Tracker

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Fuel Cost

SIP Calculator

FD Calculator

Age Calculator

Fixed-Term Gratuity Calculator

What is Gratuity?

🎯 Fund Coverage:

Your Gratuity Result

💡 Need Cash for an Emergency?

Social Security Cess Estimator

Social Security for Gig Workers

🎯 Fund Coverage:

Your Social Security Estimate

🛡️ Extra Protection Needed?

Freelance Tax Comparator (FY 2025-26)

Old vs New Tax Regime - Which is Better?

📘 Old Regime:

📙 New Regime:

📘 Old Tax Regime

📙 New Tax Regime

💰 Recommendation

🏦 Freelancer Banking Made Easy

EPF Calculator (12% + 12%)

Employee Provident Fund (EPF) - Your Retirement Corpus

💡 EPF Breakdown:

Leave Encashment Calculator

Leave Encashment - Convert Unused Leaves to Cash

📋 Key Rules:

Hourly Rate Calculator

Know Your True Hourly Worth

📊 Industry Standards:

Delivery Partner Earnings

Understanding Delivery Partner Income

💰 Income Components:

Cab Driver Income (Uber/Ola)

Cab Driver Real Income - After Platform Cuts

💰 Income Components:

🚨 Costs to Consider:

Freelance Project Pricing

Price Your Freelance Projects Like a Pro