CA Tools Library
104+ free tools for GST, income tax, payroll, business finance, and more. No sign-up required.
Looking for guided practice instead? Try the Playground — hands-on journal entries, trial balance, GST filing, and more.
Popular tools
GSTIN Validator & Decoder
Validate any GSTIN and decode state code, PAN, entity type, and check digit instantly.
GST Late Fee Calculator
Calculate late filing fees for GSTR-1, GSTR-3B, and GSTR-9 with CGST/SGST split and statutory caps.
Capital Gains Calculator
STCG & LTCG with CII indexation for equity, property, gold, debt MF — FY 2025-26 rates.
CTC Breakdown Calculator
Break down annual CTC into Basic, HRA, Special Allowance, PF, ESI and compute monthly net take-home salary after all deductions.
GSTIN Validator & Decoder
Validate any GSTIN and decode state code, PAN, entity type, and check digit instantly.
HSN / SAC Rate Finder
Look up GST rates for 60+ common HSN codes (goods) and SAC codes (services) with CGST/SGST breakdown.
GST Late Fee Calculator
Calculate late filing fees for GSTR-1, GSTR-3B, and GSTR-9 with CGST/SGST split and statutory caps.
GST Interest Calculator
Compute Section 50 interest on delayed GST payment at 18% (normal) or 24% (excess ITC) per annum.
ITC Eligibility Checker
Check if Input Tax Credit is fully eligible, partially eligible, or blocked under Section 17(5).
E-Way Bill Checker
Determine if an e-way bill is required for a consignment and calculate its validity period.
Place of Supply Tool
Determine whether to charge IGST or CGST+SGST for any supply of goods or services across states.
Composition Scheme Checker
Check if a business is eligible for the GST composition scheme and find the applicable tax rate.
Reverse Charge Identifier
Look up 20+ services under RCM, identify who pays GST, the applicable rate, and ITC eligibility.
GST Turnover Tracker
Track monthly turnover against registration and composition thresholds with real-time alerts.
GST TDS / TCS Calculator
Calculate GST TDS (Section 51) for government contracts and TCS (Section 52) for e-commerce operators.
GSTR-2A Reconciliation Helper
Reconcile supplier invoices in your books against GSTR-2A/2B to identify ITC mismatches and at-risk credits.
TDS Rate Finder
Section-wise TDS rate lookup for 30+ sections — threshold, individual/company rates, no-PAN rate.
Capital Gains Calculator
STCG & LTCG with CII indexation for equity, property, gold, debt MF — FY 2025-26 rates.
Advance Tax Calculator
Quarterly advance tax instalments (Jun/Sep/Dec/Mar) — new & old regime, TDS offset, senior citizen rules.
Deduction Planner (80C/80D/80E/80G)
Plan 80C investments (EPF, PPF, ELSS, LIC), 80D health insurance, 80E loan interest, 80G donations.
HRA Exemption Calculator
Calculate HRA tax exemption — metro vs non-metro, actual rent vs allowance vs 40/50% of basic.
Section 89 Relief — Arrear Salary
Form 10E calculator — relief on arrear salary, spread over multiple years to reduce tax burden.
ITR Form Selector
Decision wizard — find the right ITR form (ITR-1 to ITR-7) based on your income sources and entity type.
Presumptive Taxation Calculator
Compute presumptive income under 44AD, 44ADA, 44AE with eligibility check and tax liability.
NPS Deduction Calculator
Calculate 80CCD(1), 80CCD(1B) ₹50K extra, and 80CCD(2) employer contribution deductions.
Dividend Tax Calculator
Tax on domestic, foreign, and mutual fund dividends — slab rate or NRI flat rate, TDS estimate.
Presumptive vs Regular Taxation
Side-by-side comparison: tax, audit, compliance cost — decide whether to opt for presumptive taxation.
Senior Citizen Tax Benefits
Higher exemption (₹3L/₹5L), 80TTB ₹50K interest deduction, no advance tax, 80D ₹50K — old regime.
CTC Breakdown Calculator
Break down annual CTC into Basic, HRA, Special Allowance, PF, ESI and compute monthly net take-home salary after all deductions.
EPF / VPF Calculator
Calculate employee and employer EPF/EPS contributions, VPF, admin charges, annual accumulation, and EPS pension estimate at retirement.
ESI Contribution Calculator
Calculate employee and employer ESI contributions (0.75% + 3.25%), check ₹21,000 threshold applicability, and view ESI card benefits.
Professional Tax Calculator
State-wise Professional Tax calculation with built-in slabs for 14 states. Shows monthly and annual PT deductible u/s 16(iii) IT Act.
Gratuity Calculator
Compute gratuity under Payment of Gratuity Act 1972 for government and private employees. Shows exempt vs taxable gratuity with correct formula.
Leave Encashment Taxability
Calculate leave encashment tax exemption for government (fully exempt) and private employees using all 4 caps under Section 10(10AA).
Statutory Bonus Calculator
Calculate minimum (8.33%) and maximum (20%) bonus under Payment of Bonus Act 1965. Checks ₹21,000 eligibility and shows TDS impact.
TDS on Salary (Sec 192)
Calculate monthly TDS on salary for old and new tax regimes. Shows taxable income, annual tax, month-wise TDS table with March adjustment.
Salary Slip Generator
Generate a clean, printable salary slip with earnings, deductions, gross pay, and net take-home. Includes LOP, days worked, and all standard components.
True Employee Cost Calculator
Calculate total monthly and annual cost to company including PF, ESI, gratuity, NPS, insurance, equipment, office space, and HR overhead with % distribution.
Break-Even Calculator
Compute break-even units, sales value, contribution margin, and margin of safety. Visualise how far current production is from break-even.
Working Capital Analyzer
Analyze current assets and liabilities to compute working capital, current ratio, quick ratio, and cash ratio with traffic-light interpretation.
Financial Ratio Dashboard
Enter P&L and Balance Sheet figures to instantly compute 12 key ratios — margins, returns, leverage, liquidity, and efficiency — with industry benchmarks.
Cash Conversion Cycle
Calculate DIO, DSO, and DPO to find your Cash Conversion Cycle. Visual timeline with improvement suggestions to free up working capital.
ROI Calculator
Multi-mode ROI: Simple ROI, Annualized ROI with CAGR, and Marketing ROI. Includes payback period and benchmark comparison vs FD, stocks, real estate.
NPV Calculator
Calculate Net Present Value for up to 10 years of cash flows. Year-by-year discount table, IRR approximation, and invest/reject decision rule.
IRR Calculator
Internal Rate of Return via bisection method. Payback period, Profitability Index, cumulative cash flow table, and accept/reject vs hurdle rate.
Markup ↔ Margin Converter
Bidirectional conversion between markup % and gross margin %. Enter markup, margin, or cost+SP. Includes reference table and gross profit calculator.
AR Aging Calculator
Add invoices to auto-bucket receivables into 0–30, 31–60, 61–90, 91–120, and 120+ day aging brackets with adjustable bad debt provision rates.
EOQ & Inventory Cost Calculator
Economic Order Quantity, reorder point, total inventory cost, and cost savings vs current order quantity. Optional safety stock at 95% service level.
Retirement Planner
Calculate the corpus required for a comfortable retirement accounting for inflation, life expectancy, and existing savings.
SIP Calculator
Calculate future value of a SIP or find the monthly SIP needed to reach a target. Includes step-up, inflation toggle, and year-by-year table.
Goal-Based Savings Planner
Plan and prioritise up to 5 financial goals. Shows total monthly SIP needed and whether your savings capacity can meet all goals.
Child Education Planner
Plan for your child's education cost — domestic or abroad — with education inflation, savings growth, and required monthly SIP.
Term Insurance Calculator
Calculate the life cover you need using both the DIME method and Human Life Value (HLV) method. Recommends the higher of the two.
Net Worth Calculator
Track total assets and liabilities to compute net worth, asset allocation breakdown, debt-to-asset ratio, and liquidity ratio.
Monthly Budget Planner
Apply the 50/30/20 rule to your income. Track needs, wants, and savings with traffic-light indicators and annual surplus projection.
Loan Comparison Tool
Compare up to 3 loan options side-by-side on EMI, total interest, total payable, and effective rate. Includes prepayment impact analysis.
Tax Saving Investment Planner
Find your 80C gap and see how much tax you can save with optimised deductions under the old regime. Ranks investments by liquidity and return.
Wealth Accumulation Calculator
Model long-term wealth with a lump sum plus step-up SIP. Shows year-by-year corpus, milestone snapshots, and inflation-adjusted real value.
Compliance Dashboard
Combined compliance status overview for your entity — monthly, quarterly, and annual deadlines in one place with progress tracking.
GST Due Dates
GST filing calendar for FY 2025-26. GSTR-1, GSTR-3B, GSTR-2B dates for monthly, QRMP, and composition filers. State category toggle.
Income Tax Due Dates
All IT compliance deadlines for AY 2026-27: advance tax instalments, ITR filing, TDS returns, tax audit, and transfer pricing. Filters by entity type.
TDS Due Dates
TDS deposit deadlines (7th/30th Apr) and quarterly return due dates (24Q, 26Q, 27Q, 27EQ) for all 4 quarters. Form 16 / 16A issuance dates.
ROC Filing Calendar
MCA annual filing calendar for Private Ltd, OPC, LLP, Section 8, and Public companies. AGM, AOC-4, MGT-7, DIR-3 KYC with penalty calculations.
PF & ESI Due Dates
Monthly PF and ESI deposit deadlines (15th), ECR filing, half-yearly ESI returns, and annual PF return. Interest calculation for late deposits.
MSME 45-Day Tracker
Track MSME supplier payments for Sec 43B(h) compliance. Calculates disallowable amounts, interest at 3× bank rate, and overdue days per invoice.
Labour Compliance Checklist
Applicable labour law checklist based on employee count and establishment type. PF, ESI, PT, Minimum Wages, POSH, Gratuity, Contract Labour with penalties.
Entity Type Comparison
Compare Proprietorship, Partnership, LLP and Private Limited — liability, compliance, costs, and best fit with an interactive decision guide.
Incorporation Cost Estimator
Estimate government fees, stamp duty, DSC costs and professional charges for incorporating a Private Limited, LLP, OPC or Section 8 company.
GST Registration Guide
Step-by-step GST registration walkthrough — eligibility checker, document checklist by entity type, portal tab guide and common errors.
MSME Eligibility Checker
Check Udyam MSME classification (Micro/Small/Medium) based on investment and turnover, and see all applicable government benefits and schemes.
Startup India Benefits
Check DPIIT recognition eligibility and discover applicable benefits — 80-IAC tax exemption, angel tax relief, fast-track patents, labour law self-certification.
IEC Registration Guide
Import Export Code guide — who needs IEC, document checklist, DGFT portal walkthrough, common mistakes and export benefit schemes.
Trademark Registration Guide
Trademark cost estimator by applicant type and class count, full 45-class reference, registration process timeline and why trademarks matter.
Business License Guide
License requirements by business type — restaurant, retail, manufacturing, IT, healthcare and more — with costs, timelines and mandatory vs optional breakdown.
Altman Z-Score
Predict bankruptcy risk for manufacturing companies using Altman Z-Score (public) or Z'-Score (private). Decomposes all five variables with interpretation and recommended actions.
DuPont ROE Analysis
Decompose Return on Equity into 3-factor (NPM × Asset Turnover × Equity Multiplier) and 5-factor drivers. Includes year-over-year comparison to identify what drove ROE change.
DSCR Calculator
Calculate Debt Service Coverage Ratio with full step-by-step P&L build. Shows Interest Coverage, EBITDA margin, and lender's perspective including RBI 1.25x benchmark.
Sensitivity (What-If) Analysis
Model the impact of revenue, variable cost, and fixed cost changes on net profit. One-variable sensitivity tables (±20%) plus a two-variable 5×5 matrix with profitable/loss color coding.
CVP Analysis
Cost-Volume-Profit analysis with break-even units, P/V ratio, margin of safety, operating leverage, and target profit units. Includes a full CVP schedule from 0–200% of current volume.
Fixed & Variable Cost Analyzer
Separate fixed and variable costs from monthly data using the High-Low method. Generates the cost equation, R² goodness-of-fit, scatter plot, and marginal costing statement.
Profit Margin Dashboard
Comprehensive P&L margin analyzer: Gross, EBITDA, EBIT, EBT, and Net margin with waterfall bars, year-on-year comparison (↑↓), and industry benchmarks for IT, Manufacturing, Retail, FMCG, Pharma.
Indirect Cash Flow Builder
Build a complete Indirect Method Cash Flow Statement (CFO/CFI/CFF). Dynamic working capital items, quality of earnings check (CFO/PAT ratio), and formatted IAS 7-style output.
Income Tax Slabs FY 2025-26
Old vs new regime tax slabs, rebate limits, standard deduction, and surcharge rates at a glance.
GST Rate Reference
All GST rate slabs (0%, 5%, 12%, 18%, 28%) with examples and compensation cess on luxury/sin goods.
TDS Rate Chart
Quick-reference TDS sections — 192, 194A, 194C, 194J, 194Q, 206C and more with thresholds and rates.
PF, ESI & Professional Tax Rates
EPF contribution rates, ESI rates, and state-wise professional tax slabs for payroll compliance.
Cost Inflation Index (CII)
Official CII table 2001-02 to 2025-26 with an indexed cost calculator for capital gains.
Depreciation Rates
IT Act WDV depreciation rates and Companies Act SLM rates for all major asset blocks.
Professional Tax — State-wise
State-wise PT rates, thresholds, and slabs for all states that levy professional tax.
Key Compliance Due Dates
Month-by-month GST, TDS, advance tax, and ITR filing due dates for FY 2025-26.
Tax & Accounting Glossary
Searchable glossary of 80+ tax and accounting terms — GST, Income Tax, Corporate Law, Accounting, and FEMA with plain-English definitions and Indian examples.
Form 26AS & AIS Guide
Interactive guide to Form 26AS (all 7 parts) and Annual Information Statement (all 14 categories) — how to access, read, dispute, and use for ITR filing.
Balance Sheet Reading Guide
Interactive balance sheet with clickable line items — understand every entry on both sides, red flags, green flags, and key ratios for Sunrise Manufacturing Ltd.
ITR Filing Checklist Generator
Customised ITR filing checklist based on your profile — salaried, business, professional, or senior citizen — with capital gains, foreign income, and rental income options.
GST Compliance Self-Audit Checklist
GST compliance self-audit across 5 areas — registration, returns, ITC, books/invoicing, and reconciliation — with 20 checkpoints and detailed rule explanations.
New Business Launch Checklist
Comprehensive pre-registration, registration, and post-registration checklist for new businesses — filtered by business type, sector, and employee count with govt fees and timelines.
March 31 Year-End Checklist
Month-wise year-end checklist — February tax saving (ELSS, PPF, NPS, 80D) and March compliance tasks (advance tax, books closure, MSME 43B, depreciation) for individuals and businesses.
Company vs LLP Decision Guide
Interactive 5-question quiz to choose between Private Limited Company and LLP — with detailed comparison of 10 parameters including tax rates, compliance, ESOPs, and FDI.
Currency Amount to Words
Convert any amount (up to ₹100 crore) to Indian words instantly — "Rupees One Lakh Fifty Thousand Only" — with paise support, Indian/international format, and one-click copy.
Indian Number Format Converter
Convert any number between Indian format (1,23,456), international format, lakhs, crores, thousands, millions — plus percentage calculator and percentage change.
Financial Date Calculator
Three-mode date tool: days between dates (calendar + working days), add/subtract days, and due date calculator — with MSME 45-day tracking and overdue alerts.
PAN Card Validator & Decoder
Validate PAN format instantly and decode all 5 components — entity type (Individual/Company/HUF/Firm), surname initial, serial number — with common mistake alerts.
Loan Prepayment Savings Calculator
Calculate interest savings from lump-sum loan prepayment — choose to reduce tenure or reduce EMI — with prepayment penalty break-even analysis.
Recurring Deposit Calculator
RD maturity calculator with quarterly compounding (bank standard) — total interest, effective yield, TDS check, premature closure impact, and SIP comparison.
GST Invoice Mandatory Fields Checker
Check if your tax invoice has all 16 mandatory GST fields — with compliance score, missing field alerts, and e-invoice/export field detection.
Late Payment Interest Calculator
Calculate late payment interest in three modes: MSME Section 16 (compound 3× bank rate), commercial simple interest, and GST Section 50 (18% p.a.) — with 43B disallowance note.
Property Stamp Duty Estimator
Estimate stamp duty and registration fee for property purchase, gift deed, lease, or mortgage across 15 major Indian states — with gender discount and first-time buyer benefit.
Power of Attorney Guide & Checklist
POA type comparison (General vs Specific), step-by-step process (drafting → notarization → registration → revocation), and use-case-specific checklist for property, NRI, business, court, and bank.