Tools
Image helpers (including PNG/JPEG conversion, image compression, bulk resize, JPEG ↔ PDF, PDF pages to JPEG, PDF compression, PDF watermark, rotate PDF pages, merge/split PDF, crop, and background cleanup), unit conversion, dedicated currency converter (live ECB rates), colour utilities, and an interest coverage ratio (ICR) calculator. Processing runs in your browser—your files stay on your device.
GST
Choose a tool below to get started.
Income Tax
Capital gains calculators for property and shares (illustrative; confirm with your CA).
Calculator
Use free calculators for GST, salary, investments, and business finance.
Infographic
Choose how you'd like to work today.
Billing
Invoice, Estimate / Quote, and Receipt – choose a tool.
HRMS
Expense Report, Payslip, Rent Slip, and statutory payroll calculators — all tools below.
Banking
Find branch IFSC codes and details.
QR Generator
Generate a QR code from any link and download as PNG or JPEG.
Maximum size of 1MB
| Item Description | Qty | Rate | Discount | GST % | Cess | Amount |
|---|---|---|---|---|---|---|
| 0.00 | 200.00 | |||||
| 0.00 | 0.00 | |||||
| 0.00 | 0.00 | |||||
| Sub Total | 0.00 | |||||
| Discount (Bill level) | ||||||
| SGST (0%) | 0.00 | |||||
| CGST (0%) | 0.00 | |||||
| IGST (0%) | 0.00 | |||||
| TOTAL | ₹ 0.00 | |||||
Maximum size of 1MB
| Item Description | Qty | Rate | Discount | GST % | Cess | Amount |
|---|---|---|---|---|---|---|
| 0.00 | 200.00 | |||||
| 0.00 | 0.00 | |||||
| 0.00 | 0.00 | |||||
| Sub Total | 0.00 | |||||
| Discount (Bill level) | ||||||
| SGST (0%) | 0.00 | |||||
| CGST (0%) | 0.00 | |||||
| IGST (0%) | 0.00 | |||||
| TOTAL | ₹ 0.00 | |||||
Maximum size of 1MB
| Item Description | Qty | Rate | SGST | CGST | IGST | Cess | Amount |
|---|---|---|---|---|---|---|---|
| 12.00 | 12.00 | 0.00 | 0.00 | 224.00 | |||
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||
| Sub Total | 0.00 | ||||||
| SGST (0%) | 0.00 | ||||||
| CGST (0%) | 0.00 | ||||||
| IGST (0%) | 0.00 | ||||||
| TOTAL PAID | ₹ 0.00 | ||||||
Expense Report Generator
Build a printable employee expense report with line items and totals—ready for reimbursement or HRMS records.
Payslip Generator
Enter employer and employee details, earnings, and deductions to generate a printable salary slip.
Your payslip appears below. Use the button above to open the print dialog—choose Save as PDF to download.
Generate Rent Slip
Create simple rent receipts you can print or save for HRA claims and rent documentation.
Rent Receipts
Print this page or use the browser's "Save as PDF" option after clicking the print button.
PF / ESI / PT Calculator
Enter your monthly salary break-up to estimate employee EPF (and VPF), ESI, professional tax, and net pay after these statutory deductions. Figures are illustrative — always confirm with your employer.
Monthly salary break-up (₹)
Gross for this tool is the sum of all components above. Use monthly equivalents for variable pay.
EPF, ESI & professional tax options
Results
Live summary updates as you change inputs.
| Monthly gross | — |
|---|---|
| PF wage (for contribution) | — |
| Employee EPF | — |
| VPF (employee) | — |
| Employee ESI | — |
| Professional tax | — |
| Total employee deductions | — |
| Employer EPF (total) | — |
|---|---|
| EPS (employer, ~8.33% of PF wage) | — |
| Employer ESI | — |
Advanced GST Calculator
Calculate taxable value, GST amount, or total invoice value instantly.
GST = Taxable * (Rate / 100). Total = Taxable + GST.
GST Summary
GSTR-1 JSON → CSV converter
Paste or upload GSTR-1 return JSON (GST portal save / get response, API v4.0+ / v4.1-style payloads). Output is one CSV with a section column (b2b, b2cl, b2cs, cdnr, hsn, etc.) and flattened line-level fields for review in Excel.
Note: This tool maps common GSTR-1 tables (B2B, B2CL, B2CS, CDNR/CDNUR, EXP, AT/TXPD, NIL, document issued, HSN including post–July 2023 hsn_b2b / hsn_b2c where present). If your file uses extra keys, run conversion and check the preview; unsupported blocks can be extended. Always reconcile totals with the GST portal before filing.
GSTR-1 CSV → JSON converter
Import a single-sheet CSV (UTF-8) aligned with the GST Returns Offline Tool column names—B2B (recipient GSTIN + invoice lines), B2CL (large B2C inter-state), or B2CS (aggregated supplies). Output uses the portal-style gstin, fp, version (), and section arrays (b2b / b2cl / b2cs).
Note: Headers are matched flexibly (e.g. "GSTIN of Recipient" → B2B ctin). Multiple rows with the same invoice number and recipient are merged as line items (itms). Use the latest GST offline templates from gst.gov.in for exact column labels. Validate the generated file in the Returns Offline Tool or on the portal before filing.
HSN Code Finder
Search by product / service name or by HSN / SAC code prefix. GST rates are indicative—confirm with current CBIC notifications.
Enter at least 1 character. Matches description text.
| HSN / SAC | Description | Indicative GST | Chapter / type |
|---|---|---|---|
| Type to search. | |||
Note: This tool uses a curated offline dataset for speed and privacy. Exact classification can depend on product specs and notifications. For official master data, refer to the GST portal / CBIC. SAC items are labelled in the description.
New GST Banner & Sample Invoice Generator
Generate GST business banner and sample invoice format instantly for newly registered clients.
Client details
Preview
This PDF is designed for A4 printing with clean margins. Download and share it with a local printer.
Business Name
| Item Description | Qty | Rate | Disc. | Taxable | CGST | SGST | IGST | Amount |
|---|---|---|---|---|---|---|---|---|
A/C No.: __________
IFSC: __________
Branch: __________
- Goods once sold will not be taken back.
- Payment due within ______ days.
- Subject to ______ jurisdiction.
- E.&O.E.
Business Name
| Item Description | Qty | Rate | Disc. | Taxable | CGST | SGST | IGST | Amount |
|---|---|---|---|---|---|---|---|---|
A/C No.: __________
IFSC: __________
Branch: __________
- Goods once sold will not be taken back.
- Payment due within ______ days.
- Subject to ______ jurisdiction.
- E.&O.E.
Business Name
| Item Description | Qty | Rate | Disc. | Amount |
|---|---|---|---|---|
A/C No.: __________
IFSC: __________
Branch: __________
- Goods once sold will not be taken back.
- Payment due within ______ days.
- Subject to ______ jurisdiction.
- E.&O.E.
IFSC Search
Find Indian bank branch details and IFSC codes.
Branch lists use Razorpay’s IFSC places API (same data family as tools like Paytm’s IFSC finder). The bank directory is loaded from the open razorpay/ifsc dataset on jsDelivr.
Select bank, state, city, and branch — same flow as Paytm’s IFSC code finder.
Enter the 11-character IFSC (e.g. HDFC0000123). The 5th character is always zero.
Loading…
QR Generator
Enter a link below. We'll generate a QR code you can download as JPEG or PNG.
PNG → JPEG Converter
Upload a PNG image. We’ll convert it to JPEG in your browser (no upload to our servers).
JPEG does not support transparency; transparent areas become white.
JPEG → PNG Converter
Upload a JPEG or JPG file and download as PNG.
Image compressor
Reduce image file size in your browser using JPEG or WebP encoding. You can lower quality and optionally shrink very large dimensions. Select one or many images.
In the file picker, use Ctrl+Click (Windows/Linux) or Cmd+Click (Mac) to select several files. You can also drag and drop multiple images onto this box.
Up to 40 images per run. Transparent PNGs become white behind the image when saved as JPEG/WebP. If your browser blocks multiple downloads, allow downloads for this page.
Bulk image resizer
Resize many images so each fits inside a maximum width and height (aspect ratio preserved). Processing is local—nothing is uploaded.
In the file picker, use Ctrl+Click (Windows/Linux) or Cmd+Click (Mac) to select several files. You can also drag and drop multiple images onto this box.
Leave a field empty for no limit on that side (e.g. only max width). If both are set, the image scales to fit inside the box.
Up to 40 images. PNG output keeps transparency where the source had it; JPEG/WebP fill transparent areas with white. Multiple files may trigger several download prompts.
Image crop
Upload an image, then rotate if needed (90° steps), and click and drag on the picture to draw the crop rectangle. Drag the blue handles to resize. Use the numbers below to fine-tune, or Reset for a full image and a new selection.
Rotate left/right turns the whole image 90° and resets the crop to the full picture (so you can straighten before cropping). Click and drag on the image to select the area to keep; dimmed areas are discarded.
Background remover
Detects a solid background from the image corners and makes matching pixels transparent. Works best when the background is one even colour.
For complex backgrounds or hair edges, use a dedicated AI tool; this is a quick utility for simple cases.
Unit converter
Convert between common units or currencies. Enter a value and pick units below.
Result: —
Currency converter
Convert an amount between currencies using European Central Bank reference rates. Rates update on business days—indicative only, not for trading.
Result: —
Rates load when you open this tool (or when you choose Currency in Unit converter). Same ECB data in both places.
Colour picker
Choose a colour, edit HEX directly, copy CSS-friendly formats, and check contrast for accessibility.
#25b7a7
rgb(37, 183, 167)
hsl(174, 66%, 43%)
Copied.
JPEG to PDF converter
Turn JPEG or JPG files into one PDF. Each image becomes a page, scaled to fit A4. Everything runs in your browser.
Order follows your file selection. Very large JPEGs may be slow; for best results use images under ~8000 px per side.
PDF to JPEG converter
Turn each page of a PDF into a JPEG file. Rendering uses Mozilla PDF.js in your browser—your file is not uploaded to a server.
Each page is saved as yourfile-page-1.jpg, yourfile-page-2.jpg, … Very large PDFs or many pages may take a moment. If your browser blocks multiple downloads, allow downloads for this site.
PDF compressor
Reduce PDF size by re-rendering each page as a compressed JPEG at a resolution you choose. Uses Mozilla PDF.js and jsPDF in your browser—nothing is uploaded. Note: text becomes part of the image (not selectable); use only when that trade-off is acceptable.
Maximum 150 pages (same limit as PDF → JPEG). Each page is scaled to fit the margins of the page size you pick. Target file size tries to keep the downloaded PDF at or below that limit by adjusting quality and resolution (may re-render the document several times). Impossible targets (e.g. a 10 KB cap on a long document) return the smallest result we can produce. Output: yourfile-compressed.pdf.
PDF watermark
Add semi-transparent text on every page using pdf-lib in your browser. Your PDF is not uploaded. Existing text stays selectable when the PDF structure allows it.
Maximum 150 pages. Use Latin letters and basic punctuation for best results (standard Helvetica font). Output: yourfile-watermarked.pdf. Password-protected PDFs are not supported.
Rotate PDF pages
Rotate pages using pdf-lib in your browser—nothing is uploaded. Rotations are relative to each page’s current orientation. Vector text stays selectable where the PDF allows.
Choose a PDF above. Each page gets its own rotation below.
Maximum 150 pages. In custom mode, pick a file to load the page list. Output: yourfile-rotated.pdf. Password-protected PDFs are not supported.
Merge & split PDF
Combine PDFs (whole documents or chosen pages from each), or split one PDF: per page, range, first/last N pages, chunks, custom ranges, odd/even, drop pages, or reverse order. Uses pdf-lib locally—nothing is uploaded.
Order follows your selection. Use Ctrl/Cmd+Click for several files. Up to 25 files; merged output ≤ 150 pages.
After choosing files, set which 1-based pages to take from each PDF. Leave a field empty (or type all) to include the whole file. Examples: 1-3, 1,4,7-9.
Downloads one file, e.g. name-pages-3-10.pdf.
Example: 10 pages with “5” → two files (pages 1–5 and 6–10). Max 150 output files.
Use 3-7 for pages 3 through 7. Use 13- or 13-end from page 13 to the last page. Each line downloads one PDF.
Downloads one file with pages 1 through N (or fewer if the PDF is shorter).
Downloads one file with the final N pages (or all pages if the PDF is shorter).
Page numbers are 1-based. “Odd” is 1st, 3rd, 5th… “Even” is 2nd, 4th, 6th…
Same syntax as elsewhere: 1-3, 5,7. One PDF with all remaining pages (max 150 pages).
Password-protected PDFs are not supported. If your browser blocks multiple downloads when splitting, allow downloads for this site.
FD Calculator
Estimate FD maturity value and interest with live visuals.
Results
Values update automatically as you change inputs.
RD Calculator
Estimate RD maturity value and interest with live visuals.
Results
Values update automatically as you change inputs.
SIP Calculator
Estimate mutual fund SIP maturity value and returns with a live chart.
Results
Values update automatically as you change inputs.
HRA Calculator
Compute your House Rent Allowance exemption and taxable HRA.
Results (per financial year)
Calculated using income-tax HRA rules: least of the three conditions is exempt.
Note: This calculator assumes HRA exemption under current Indian income tax rules. Always confirm with your HR or tax advisor for edge cases.
PPF Calculator
Estimate your Public Provident Fund maturity amount, interest earned, and total investment.
Results
Uses standard annuity-style PPF formula with annual contributions at current rate.
Note: Actual PPF returns may vary with future government rate changes. This tool uses a constant rate, similar to the ClearTax PPF calculator.
Home Loan Prepayment Calculator
Estimate how a one-time part-prepayment can reduce your home loan tenure and total interest.
Assumes you make the part-prepayment immediately and keep the same EMI; tenure is reduced.
Results (approximate)
Uses standard home loan EMI formula to compare original and post-prepayment schedules.
Note: Actual figures depend on your bank’s exact amortisation and prepayment policies. This tool is for illustration only.
Salary Calculator
Estimate your in-hand (take-home) salary from annual CTC and deductions.
Results
Based on ClearTax-style salary calculator: Gross = CTC – performance bonus; Net = Gross – total deductions.
Tip: Enter your actual yearly deductions from payslips or offer letter for a more accurate in-hand salary estimate.
Income Tax Calculator
Estimate your income tax under the old vs new regime for FY 2026-27.
Enter income after deductions/exemptions (or use the new-regime salary figure). This quick calculator focuses on slab-level tax plus 4% cess.
Results (FY 2026-27)
Uses ClearTax-style slabs for old and new regimes, including 4% cess. For detailed planning, use your CA or ClearTax’s full tax calculator.
Note: This is an approximate illustration and doesn’t model surcharges, rebates, or all edge-case rules exactly. Use it for quick regime comparison.
FV Calculator (Future Value)
How much will today’s lump sum grow to with compound interest?
Formula: FV = PV × (1 + r/m)m×t where m is compounding periods per year.
Results
Updates as you change inputs.
PV Calculator (Present Value)
How much do you need to invest today to reach a target future amount?
Formula: PV = FV ÷ (1 + r/m)m×t. Use your expected annual return or discount rate.
Results
Updates as you change inputs.
EBITDA Calculator
EBITDA = Net income + Interest + Taxes + Depreciation + Amortization (typical P&L reconciliation).
Alternative: EBITDA = EBIT + Depreciation + Amortization (when you already have EBIT, you don’t need to split net income, interest, and tax). Use audited or management figures.
Results
Updates as you change inputs.
Debt to Equity Calculator
Debt-to-equity = debt ÷ shareholders’ equity. Use the same definition consistently (interest-bearing debt vs total liabilities). Optional cash adjusts to net debt.
“Total liabilities” is wider than typical D/E; use for solvency-style checks only.
Sum of the above = gross debt for ratio purposes.
Illustrative only — not financial advice. Align inputs with your audited balance sheet and disclosure notes.
Results
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Interest Coverage Ratio (ICR) Calculator
The standard name is interest coverage ratio (also times interest earned). It shows how many times operating earnings before interest and taxes cover interest on debt: ICR = EBIT ÷ Interest expense. Lenders and investors use it alongside other metrics to assess leverage and risk; a higher ratio usually indicates more headroom to service interest, but benchmarks vary by sector and covenant wording.
Use figures for the same period (e.g. annual). Interest expense must be greater than zero for a standard ratio. Some analyses use EBITDA or cash-based measures instead—this tool uses EBIT only. Illustrative only; not financial advice.
Results
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Capital Gain on Property
Immovable property (India): indexation using notified Cost Inflation Index, 24‑month holding for long term, 20% + cess on LTCG.
Both must be set. CII supported for FY 2001-02 through 2025-26.
CII uses financial year of each month (Apr–Mar). Exemptions u/s 54 / 54F are not applied here.
Results
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Capital Gain on Shares
Listed equity shares / units where STT is paid: Section 111A (STCG 15%) and Section 112A (LTCG 10% above ₹1 lakh). Illustrative only.
Long term for listed equity: holding > 12 months. Grandfathering for pre‑Feb 2018 acquisitions is not modeled.
Results
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