🌐 FreecalcIndia Tool Suite
Free specialised calculators across 5 dedicated platforms
Free Online Calculators for India 🇮🇳
EMI, SIP, GST, Income Tax, BMI, Loan, Business & more — all free, accurate, and instant results with detailed breakdowns.
CalcIndia provides free, accurate online calculators tailored for Indian users. Whether you're planning a home loan, calculating GST for your business, tracking SIP investments, or checking your BMI — our tools give instant, detailed results. All calculators use standard Indian financial formulas and updated tax slabs for FY 2025-26.
🏦 How to Calculate EMI in India
The standard EMI formula used by all Indian banks is: EMI = P × R × (1+R)^N ÷ ((1+R)^N − 1), where P is the principal loan amount, R is the monthly interest rate (annual rate ÷ 12 ÷ 100), and N is the number of monthly instalments. For example, a home loan of ₹50 lakh at 8.5% per annum for 20 years gives an EMI of approximately ₹43,391. The total interest paid over the tenure would be around ₹54.1 lakh — nearly equal to the principal itself. This is why prepaying your loan early or choosing a shorter tenure saves enormous interest. Our EMI calculator uses this exact formula and also shows total interest, total payment and an effective interest cost breakdown.
📈 Understanding SIP Returns
A Systematic Investment Plan (SIP) uses the power of compounding. The formula is: M = P × {[(1 + r)^n − 1] ÷ r} × (1 + r), where M is the maturity amount, P is the monthly SIP amount, r is the monthly rate of return (annual return ÷ 12 ÷ 100), and n is the total number of months. If you invest ₹5,000 per month for 15 years at an expected 12% annual return, your invested amount is ₹9 lakh but the estimated maturity value is approximately ₹25.2 lakh — a wealth gain of over ₹16 lakh purely from compounding. Starting early, even with small amounts, has a dramatic effect on final corpus. SIPs in ELSS funds also qualify for Section 80C deductions up to ₹1.5 lakh per year under the old tax regime.
🧾 GST Calculation in India — Explained
India's Goods and Services Tax (GST) has four main slabs: 5%, 12%, 18%, and 28%. For intra-state transactions, GST is split equally into CGST (Central) and SGST (State). For inter-state transactions, the full GST applies as IGST. To add GST: GST Amount = Original Price × GST Rate ÷ 100. For reverse GST (finding original price from a GST-inclusive price): Original Price = Price with GST × 100 ÷ (100 + GST Rate). For example, if a product costs ₹1,180 inclusive of 18% GST, the original price is ₹1,180 × 100 ÷ 118 = ₹1,000, and the GST component is ₹180. Our GST calculator handles both forward and reverse calculations instantly.
💰 Income Tax FY 2026-27 — New vs Old Regime
Under the New Tax Regime (FY 2026-27), income up to ₹4 lakh is tax-free. Slabs: 5% (₹4–8L), 10% (₹8–12L), 15% (₹12–16L), 20% (₹16–20L), 25% (₹20–24L), and 30% above ₹24L. Due to the Section 87A rebate, individuals with income up to ₹12 lakh pay zero tax under the new regime. With the ₹75,000 standard deduction, salaried employees with income up to ₹12.75 lakh pay no tax. The Old Tax Regime allows deductions under 80C (₹1.5L), 80D (health insurance), HRA, home loan interest, and more. The new regime is better for those with few deductions; the old regime benefits those with substantial investments and allowances. Our income tax calculator lets you compare both regimes side by side.
⚖️ BMI — What It Means for Indians
Body Mass Index (BMI) = Weight (kg) ÷ Height² (m²). While the global WHO scale classifies 18.5–24.9 as 'Normal', research shows that Asian and Indian populations face higher health risks at lower BMI values. For Indians, a BMI above 23 is considered overweight and above 27.5 is considered obese — lower thresholds than the global standard. For example, an adult who is 5'6" (168 cm) and weighs 75 kg has a BMI of 26.6, which is "Overweight" by both scales. However, BMI does not account for muscle mass, bone density, age, or fat distribution. It is a screening tool only — not a diagnosis. Always consult a doctor for a complete health assessment. Our BMI calculator supports both cm and feet/inches inputs.
🏠 Home Loan Eligibility & Planning
Most Indian banks allow a maximum EMI-to-income ratio of 40–50% of net monthly income. So if your net salary is ₹80,000/month, you may be eligible for an EMI of up to ₹32,000–₹40,000. At 8.5% for 20 years, this corresponds to a loan of approximately ₹37–46 lakh. Key factors affecting home loan eligibility include CIBIL score (750+ preferred), employment type, age, existing liabilities, and the property's value. Down payment is typically 10–20% of property value. Under Section 24(b), home loan interest up to ₹2 lakh per year is deductible under the old tax regime. Under Section 80C, principal repayment up to ₹1.5 lakh is also deductible. For government employees, PMAY interest subsidy can reduce costs further.
What is the EMI on a ₹30 lakh home loan for 20 years at 8.5%?
Using the standard EMI formula, a ₹30 lakh home loan at 8.5% per annum for 20 years (240 months) gives a monthly EMI of approximately ₹26,035. The total amount paid over 20 years would be around ₹62.5 lakh, of which ₹32.5 lakh is interest. To reduce interest costs, consider making partial prepayments whenever you receive a bonus or windfall — even a single extra EMI per year can cut 2–3 years off the loan tenure.
How much SIP do I need to accumulate ₹1 crore in 15 years?
Assuming a 12% annual return (historical average of diversified equity mutual funds in India), you would need to invest approximately ₹19,800 per month via SIP to reach ₹1 crore in 15 years. At a more conservative 10% return, the required SIP rises to about ₹23,400/month. Starting earlier dramatically reduces the required monthly amount — the same ₹1 crore target over 20 years at 12% needs only about ₹10,000/month. You can use our SIP calculator to model any combination of monthly amount, tenure and expected return.
Is income up to ₹12 lakh really tax-free in FY 2026-27?
Yes — for individual taxpayers under the new tax regime with income up to ₹12 lakh, the Section 87A rebate of ₹60,000 effectively eliminates all tax liability. For salaried individuals, after the standard deduction of ₹75,000, the threshold rises to ₹12.75 lakh of gross income before any tax becomes payable. However, this applies only if you opt for the new regime and have no special rate income (like capital gains). If your income exceeds ₹12 lakh by even ₹1, marginal relief provisions apply to ensure you're not worse off than someone earning exactly ₹12 lakh.
What is a chit fund and how is it different from an FD or SIP?
A chit fund is a rotating savings and credit scheme. A group of members (say 20 people) each contribute ₹5,000/month. The monthly kitty of ₹1 lakh is auctioned — the member who bids to take the lowest amount wins. This discount is shared among other members as a dividend, reducing their effective monthly contribution. Chit funds are regulated under the Chit Funds Act 1982 and must be registered with the state Registrar of Chits. Unlike FDs (guaranteed returns, no credit access) or SIPs (market-linked, long horizon), chit funds provide both savings and access to a lump sum — but the effective return depends on when you are "prized." Getting prized early gives a higher return; getting prized last gives the lowest. Always verify registration before joining any chit fund.
How is gratuity calculated after the 1-year eligibility change?
Following the amendment to the Payment of Gratuity Act, employees are now eligible for gratuity after completing 1 year of continuous service (reduced from 5 years). The formula remains: Gratuity = (Basic Salary + DA) × 15/26 × Number of Years of Service. The factor 15/26 represents 15 days' wages for every 26 working days in a month. The maximum tax-exempt gratuity for private sector employees is ₹20 lakh. For example, if your Basic + DA is ₹40,000 and you have served 8 years, your gratuity = ₹40,000 × 15/26 × 8 = ₹1,84,615. Use our Gratuity Calculator to compute your exact entitlement.
Finance Calculators
Calculate EMI, SIP returns, FD/RD maturity, PPF, GST, Income Tax and more — all with detailed breakdowns. All calculators use standard RBI-approved formulas and the latest FY 2026-27 tax slabs. Results are educational estimates — verify with your bank or CA before making financial decisions.
EMI Calculator Popular
Calculate your monthly EMI for any loan using the standard formula: P×R×(1+R)^N / ((1+R)^N-1)
SIP Calculator Popular
Calculate the maturity value of your Systematic Investment Plan using compound interest formula.
FD Calculator
📌 FD rates vary by bank and tenure. Rates shown are illustrative. Verify current rates with your bank before investing.
Calculate Fixed Deposit maturity amount with quarterly compounding.
RD Calculator
Calculate Recurring Deposit maturity amount with quarterly compounding.
PPF Calculator
Calculate Public Provident Fund maturity amount at current 7.1% p.a. rate (compounded annually).
GST Calculator Popular
Calculate GST inclusive/exclusive amounts with CGST, SGST and IGST split.
Income Tax Calculator FY 2025-26
Calculate income tax under New Tax Regime (default) for FY 2025-26 with updated slabs.
HRA Exemption Calculator
Calculate HRA exemption under Section 10(13A). Exemption = minimum of the three conditions.
Gratuity Calculator
Calculate gratuity as per the amended Payment of Gratuity Act. Eligible after 1 year of service: (Basic+DA) × 15/26 × Years of Service.
Chit Fund Calculator India
Calculate returns, dividend, foreman commission and net benefit for Indian chit fund schemes regulated under the Chit Funds Act 1982.
TDS Calculator
Calculate TDS deduction on salary or professional fees as per Income Tax Act.
EMI Calculator — Formula & Model
Formula: EMI = P × R × (1+R)^N ÷ [(1+R)^N − 1]
where P = Principal, R = Monthly interest rate (Annual rate ÷ 12 ÷ 100), N = Number of months.
Method: Reducing balance (as mandated by RBI for all scheduled commercial banks since 2003). Each month, interest is charged only on the outstanding principal, not the original loan. This means early EMIs have a higher interest component and later EMIs are predominantly principal repayment.
Example: ₹10,00,000 loan at 9% p.a. for 60 months → R = 0.0075, EMI = ₹20,758. Total paid = ₹12,45,480. Interest = ₹2,45,480 (24.5% of principal).
Source: RBI Master Circular on Interest Rates on Advances (DBR.Dir.BC.No.10/13.03.00/2015-16).
SIP Calculator — Formula & Model
Formula: M = P × {[(1 + r)^n − 1] ÷ r} × (1 + r)
where M = Maturity amount, P = Monthly SIP, r = Monthly rate (Annual return ÷ 12 ÷ 100), n = Total months.
Method: Future value of an annuity-due (payments at beginning of period), which reflects that SIP units are purchased at the start of each month. This is the AMFI-standard formula used by all SEBI-registered mutual funds for SIP return illustrations.
Example: ₹5,000/month × 10 years × 12% p.a. → Invested = ₹6,00,000 → Maturity ≈ ₹11,61,695. Wealth gain = ₹5,61,695 (93.6%).
Note: Actual returns are market-linked and not guaranteed. Historical 10-year CAGR of Nifty 50 is approximately 11–14%.
FD Calculator — Formula & Model
Formula: A = P × (1 + r/n)^(n×t)
where A = Maturity amount, P = Principal, r = Annual interest rate ÷ 100, n = Compounding frequency per year (4 = quarterly, 12 = monthly), t = Tenure in years.
Effective Annual Rate (EAR): EAR = (1 + r/n)^n − 1. This shows the true return when compounding is quarterly vs yearly.
Example: ₹1,00,000 at 7.5% p.a., quarterly compounding, 3 years → A = ₹1,25,023. EAR = 7.714% (vs stated 7.5%). Interest = ₹25,023.
Note: FD interest above ₹40,000/year (₹50,000 for senior citizens) is subject to TDS at 10% under Section 194A. Rates vary by bank, tenure and depositor category.
RD Calculator — Formula & Model
Formula (Simplified, Post Office/Bank standard):
M = P × n + P × n × (n+1) × r ÷ 2400
where P = Monthly deposit, n = Number of months, r = Annual interest rate.
Full compounding formula: Each installment compounds quarterly for its remaining period. The bank compounds at r/4 per quarter on each deposit from its date.
Example: ₹5,000/month × 24 months × 7% p.a. → Total deposited = ₹1,20,000 → Maturity ≈ ₹1,29,500. Interest ≈ ₹9,500.
Note: The exact maturity value can vary slightly between banks depending on whether they use quarterly compounding from month of deposit or rounding conventions. Verify with your bank's RD schedule.
PPF Calculator — Formula & Model
Formula: Year-by-year compound growth → Balance(y) = (Balance(y-1) + Annual deposit) × (1 + r)
where r = PPF interest rate (currently 7.1% p.a., set quarterly by GOI).
Method: Annual compounding as per Section 80C and PPF scheme rules (Public Provident Fund Scheme, 2019). PPF interest is computed on the minimum balance between the 5th and last day of each month — so depositing before the 5th of every month maximises interest earned.
Example: ₹1,50,000/year × 15 years × 7.1% → Total invested = ₹22,50,000 → Maturity ≈ ₹40,68,209. Tax-free interest = ₹18,18,209. Additionally, 80C deduction saves up to ₹45,000/year in tax (at 30% slab).
Key: PPF follows EEE (Exempt-Exempt-Exempt) tax treatment — investment, interest and maturity are all tax-free.
GST Calculator — Formula & Model
Forward GST (exclusive): GST Amount = Base Price × GST% ÷ 100. Total = Base + GST Amount.
Reverse GST (inclusive): Base Price = Total Price × 100 ÷ (100 + GST%). GST Amount = Total − Base.
CGST/SGST Split (intra-state): Each = GST Amount ÷ 2. For example, 18% GST → 9% CGST + 9% SGST.
IGST (inter-state): Full GST rate applies as a single IGST levy under IGST Act 2017.
Source: CGST Act 2017, Section 15 (Value of taxable supply) and IGST Act 2017. Current GST slabs: 0%, 5%, 12%, 18%, 28% as notified by GST Council.
Example: ₹1,000 base, 18% GST, intra-state → CGST = ₹90, SGST = ₹90, Total = ₹1,180.
Income Tax Calculator — Formula & Model
New Regime (FY 2026-27): Standard deduction ₹75,000. Slabs: Nil (≤₹4L), 5% (₹4–8L), 10% (₹8–12L), 15% (₹12–16L), 20% (₹16–20L), 25% (₹20–24L), 30% (>₹24L). Section 87A rebate: zero tax if income ≤ ₹12L.
Old Regime (FY 2026-27): Standard deduction ₹50,000. Slabs: Nil (≤₹2.5L), 5% (₹2.5–5L), 20% (₹5–10L), 30% (>₹10L). Rebate 87A: zero tax if income ≤ ₹5L. 80C, 80D, HRA, LTA deductions available.
Health & Education Cess: 4% on base tax (all regimes).
Surcharge: 10% on tax if income ₹50L–₹1Cr; 15% if ₹1–2Cr; 25% if ₹2–5Cr; 37% if >₹5Cr (new regime: capped at 25%).
Source: Finance Act 2025, Income Tax Act 1961.
HRA Exemption Calculator — Formula & Model
Formula (Section 10(13A), Rule 2A): HRA Exempt = Minimum of:
① Actual HRA received
② 50% of Basic+DA (metro cities) or 40% (non-metro)
③ Actual rent paid − 10% of Basic+DA
The lowest of these three values is exempt from tax. The remaining HRA is fully taxable.
Metro cities for 50% rule: Mumbai, Delhi, Kolkata, Chennai.
Example: Basic = ₹40,000, HRA received = ₹20,000, Rent paid = ₹18,000, Non-metro → ① ₹20,000 ② ₹16,000 (40%) ③ ₹14,000 (₹18,000 − ₹4,000) → Exempt = ₹14,000/month. Annual exemption = ₹1,68,000.
Note: This exemption is only available under the old tax regime. Under the new regime, HRA is fully taxable.
Gratuity Calculator — Formula & Model
Formula (Payment of Gratuity Act 1972, amended 2024):
Gratuity = (Basic Salary + DA) × 15/26 × Years of Service
The factor 15/26 represents 15 days of wages per 26 working days (6-day workweek standard). For employees not covered under the Act (e.g. seasonal workers), a different formula applies: 15/30 × service years × last drawn wages.
Eligibility: Minimum 1 year of continuous service (reduced from 5 years by 2024 amendment).
Tax exemption: ₹20,00,000 for private sector employees. Government employees: fully exempt.
Example: Basic+DA = ₹60,000, service = 12 years → Gratuity = ₹60,000 × 15/26 × 12 = ₹4,15,385. Fully tax-exempt (below ₹20L limit).
Source: Payment of Gratuity Act 1972, Sec 4. Central Govt Notification 2024.
Chit Fund Calculator — Formula & Model
Model: A chit fund of N members, each paying M per month, creates a monthly kitty of N×M.
Foreman commission: Deducted upfront each month = Kitty × Commission% ÷ 100 (max 5% under Chit Funds Act).
Auction discount: The winning bidder gives up a portion of the net kitty as discount. This discount is shared equally among all other members as dividend.
Net subscriber receipt: Net Kitty × (1 − Discount%)
Effective annual return: If prized at midpoint → (Prize received − Amount paid at midpoint) ÷ Amount paid × (12 ÷ midMonth) × 100
TDS on chit fund: Under Section 194G, chit fund dividend payments exceeding ₹15,000/year are subject to TDS at 5%.
Source: Chit Funds Act 1982, RBI Guidelines on Non-Banking Finance, CBDT Circular 2022.
TDS Calculator — Formula & Model
TDS rates under Income Tax Act 1961:
• Salary (Section 192): As per applicable income tax slab rate
• Professional/Technical Fees (194J): 10% (2% for technical services)
• Rent — Plant/Machinery (194I): 2%; Land/Building: 10%
• Contractor (194C): 1% (individual/HUF), 2% (others)
• Bank Interest (194A): 10% (threshold: ₹40,000; ₹50,000 for senior citizens)
• Lottery/Prize (194B): 30%
• Commission/Brokerage (194H): 5%
Surcharge & Cess: Not applicable on TDS for most payments (except salary). TDS is deducted at base rate.
PAN not furnished: TDS deducted at 20% or applicable rate, whichever is higher (Section 206AA).
Source: Income Tax Act 1961, Chapter XVII; Finance Act 2025.
🏦 Loan Calculators
Calculate home loan, personal loan, car loan and education loan EMIs with full amortisation breakdowns. Compare lenders, calculate prepayment savings, and check balance transfer benefits. All calculators use the standard reducing balance method as prescribed by RBI guidelines. Rates shown are indicative — always confirm current rates with your bank.
Home Loan EMI Calculator Popular
Calculate monthly EMI for your home loan with amortization summary.
Home Loan Eligibility
Find out the maximum home loan amount you're eligible for based on your income and obligations.
Personal Loan EMI
Calculate personal loan EMI — typically 10%–24% interest rates in India.
Car Loan EMI
Calculate car loan EMI with total interest payable.
Education Loan EMI
Calculate education loan EMI. Usually has a moratorium period during study.
Loan Prepayment Savings
Calculate how much interest you save by making a one-time prepayment on your loan.
Balance Transfer Savings
Calculate savings when transferring loan to a lower interest rate lender.
Home / Personal / Car / Education Loan EMI
Shared formula (RBI reducing balance):
EMI = P × R × (1+R)^N ÷ [(1+R)^N − 1]
R = Annual rate ÷ 12 ÷ 100, N = tenure in months.
Home Loan: Typical rate 8.5–9.5% p.a. (MCLR/repo-linked). Tax benefits: Section 24(b) — interest up to ₹2L deductible (old regime); Section 80C — principal repayment up to ₹1.5L deductible (old regime). Under PMAY, subsidised interest available for EWS/LIG/MIG.
Personal Loan: Unsecured; rates typically 10.5–24% p.a. No tax benefit. Processing fees (0.5–3%) add to effective cost — always calculate APR not just rate.
Car Loan: Rates 7.5–12% p.a. Secured against vehicle. Depreciation note: new cars lose 15–20% value in year 1, so your loan may exceed car value early — consider a larger down payment.
Education Loan: Moratorium period (course duration + 1 year). Interest accrues during moratorium. Simple interest during moratorium, EMI thereafter. Section 80E: interest fully deductible for 8 years.
Home Loan Eligibility — Formula & Model
Industry-standard 50% FOIR (Fixed Obligation to Income Ratio):
Maximum eligible EMI = Net monthly income × 50%
Available EMI = Maximum eligible EMI − Existing monthly obligations
Maximum loan = Available EMI × [(1+R)^N − 1] ÷ [R × (1+R)^N]
(This is the reverse EMI formula solving for principal P given EMI)
FOIR explained: Most PSU banks and major private banks (SBI, HDFC, ICICI) use 40–50% FOIR as the maximum. FOIR = (All fixed monthly obligations) ÷ Gross monthly income. Higher income earners may get 55% FOIR.
Other eligibility factors not in formula: CIBIL score (minimum 700–750), employment type (salaried vs self-employed), age (max age at maturity typically 65–70), property legality, LTV ratio (max 75–90% of property value).
Source: RBI LTV Guidelines (DBOD.No.BP.BC.58/21.06.048/2010-11); NHB Directions 2010.
Loan Prepayment Savings — Formula & Model
Method: Compare total interest under original loan vs new loan after prepayment (principal reduced, same rate and remaining tenure).
Interest saved = (EMI_old × N) − Original_outstanding − [(EMI_new × N) − (Outstanding − Prepayment)]
Months saved ≈ Interest saved ÷ EMI_original
Example: ₹30L outstanding at 8.75%, 180 months remaining. Prepay ₹2L → EMI reduces from ₹29,924 to ₹27,950. Interest saved over tenure ≈ ₹3,55,000. Effective return on prepayment = 8.75% guaranteed (tax-free if home loan interest is being deducted).
When to prepay: Prepayment is most efficient in the first 40% of the loan tenure when the interest component of EMI is highest. Prepaying in the last 2 years saves very little interest.
Note: Floating rate home loans have zero prepayment penalty (RBI circular 2012). Fixed rate loans may carry 2% prepayment charges.
Balance Transfer Calculator — Formula & Model
Method: Calculate new EMI at reduced rate on outstanding balance for same remaining tenure. Compare total outgo under both scenarios.
Total interest saving = (Old EMI − New EMI) × Remaining months
Net saving = Total interest saving − Processing fee (typically 0.5–1% of outstanding)
Break-even: Processing fee ÷ Monthly saving = Months to recover cost. Only transfer if you plan to hold the loan beyond break-even.
Example: ₹25L outstanding, 120 months remaining. Old rate: 9.5%. New rate: 8.5%. Old EMI: ₹32,126. New EMI: ₹30,985. Monthly saving: ₹1,141. Annual saving: ₹13,692. Processing fee ₹12,500 → Break-even: ~11 months.
Note: Also factor in stamp duty, legal fees, and insurance reassignment. RBI mandates no prepayment penalty on floating rate loans during transfer.
❤️ Health & Fitness Calculators
BMI, BMR, calorie deficit, ideal weight, pregnancy due date and more health & fitness calculators. These tools use WHO and ICMR reference standards. Note that health calculators are general educational estimates only — they are not a medical diagnosis. Indian BMI thresholds differ from global standards: overweight begins at 23 (vs 25 globally). Always consult a qualified healthcare professional for personalised advice.
BMI Calculator Popular
Calculate Body Mass Index (BMI = weight / height²) and find out your weight category.
BMR Calculator
Calculate Basal Metabolic Rate — calories your body burns at rest (Mifflin-St Jeor formula).
Calorie Calculator
📌 Calorie needs are estimates using the Mifflin-St Jeor equation. Individual metabolism varies. Consult a registered dietitian for personalised advice.
Calculate daily calorie requirement based on your goal — lose weight, maintain, or gain muscle.
Ideal Body Weight
Calculate your ideal body weight using multiple standard formulas (Devine, Robinson, Miller).
Pregnancy Due Date Calculator
Calculate expected due date (EDD) based on last menstrual period (Naegele's rule: LMP + 280 days).
Water Intake Calculator
Calculate your recommended daily water intake based on weight and activity level.
Body Fat % Calculator
Estimate body fat percentage using the US Navy method (waist, neck, height measurements).
Ovulation Calculator
Find your fertile window and ovulation date based on your menstrual cycle.
BMI Calculator — Formula & Standards
Formula: BMI = Weight (kg) ÷ [Height (m)]²
WHO Global Classification:
• <18.5 = Underweight
• 18.5–24.9 = Normal
• 25.0–29.9 = Overweight
• ≥30 = Obese
Asia-Pacific / Indian Classification (ICMR/WHO 2004):
• <18.5 = Underweight
• 18.5–22.9 = Normal
• 23.0–27.4 = Overweight
• ≥27.5 = Obese
Indian and Asian populations have higher body fat percentages at the same BMI compared to Caucasians, and develop metabolic complications (type 2 diabetes, hypertension) at lower BMI values. This calculator uses global thresholds for the main result but the Indian standard is noted above.
Height conversion: 1 foot = 30.48 cm; 1 inch = 2.54 cm.
Source: WHO Expert Consultation (2004); ICMR-NIN Guidelines 2020.
BMR & TDEE — Formula & Model
BMR Formula (Mifflin-St Jeor, 1990):
Male: BMR = (10 × weight kg) + (6.25 × height cm) − (5 × age) + 5
Female: BMR = (10 × weight kg) + (6.25 × height cm) − (5 × age) − 161
Why Mifflin-St Jeor: Validated as the most accurate formula for modern sedentary populations in a 2005 meta-analysis (Frankenfield et al., Journal of the American Dietetic Association). More accurate than the older Harris-Benedict equation (1919) for contemporary Indian urban lifestyles.
TDEE (Total Daily Energy Expenditure):
TDEE = BMR × Activity Multiplier
• Sedentary: ×1.2 | Light: ×1.375 | Moderate: ×1.55 | Active: ×1.725 | Very Active: ×1.9
Activity multipliers from McArdle, Katch & Katch (Exercise Physiology, 8th Ed).
Calorie targets: Weight loss = TDEE − 500 kcal/day (≈0.45kg/week loss); Weight gain = TDEE + 500 kcal/day.
Calorie & Macro Calculator — Formula & Model
Method: Uses Mifflin-St Jeor BMR × moderate activity multiplier (1.55) for base TDEE. Goal adjustment: ±500 kcal.
Macronutrient split (ICMR-NIN 2020 guidelines for Indian adults):
• Protein: 30% of calories → ÷ 4 kcal/g = grams
• Carbohydrates: 40% of calories → ÷ 4 kcal/g = grams
• Fats: 30% of calories → ÷ 9 kcal/g = grams
Energy density: Protein = 4 kcal/g, Carbs = 4 kcal/g, Fat = 9 kcal/g (Atwater factors).
Note: The default split (30/40/30) is a general balanced diet model. Athletes and strength-trainers typically use higher protein (35–40%). Consult a registered dietitian (RD) for personalised macros, especially if you have diabetes, kidney disease, or are pregnant.
Source: ICMR-NIN "Dietary Guidelines for Indians" 2024; Atwater General Factors (USDA).
Ideal Body Weight — Three Formula Models
Three peer-reviewed formulas are used (all based on height above 5 feet / 152.4 cm):
1. Devine Formula (1974):
Male: 50 + 2.3 × (height inches above 60)
Female: 45.5 + 2.3 × (height inches above 60)
Originally derived for drug dosing in pharmacology.
2. Robinson Formula (1983):
Male: 52 + 1.9 × (inches above 60)
Female: 49 + 1.7 × (inches above 60)
Based on Metropolitan Life Insurance Tables.
3. Miller Formula (1983):
Male: 56.2 + 1.41 × (inches above 60)
Female: 53.1 + 1.36 × (inches above 60)
The three formulas give different values — reflecting that "ideal weight" is not a single number. The BMI healthy range (18.5–24.9 × height²) is also shown as a practical reference range.
Source: Devine BJ (1974), Drug Intelligence; Robinson JD et al. (1983), American Journal of Hospital Pharmacy.
Pregnancy Due Date — Naegele's Rule
Formula (Naegele's Rule, 1812):
EDD = LMP + 280 days (40 weeks)
Or equivalently: LMP + 9 months + 7 days
Trimester definitions:
• 1st Trimester: Weeks 1–12 (LMP to Week 12)
• 2nd Trimester: Weeks 13–26
• 3rd Trimester: Weeks 27–40+
Basis: Assumes a 28-day menstrual cycle and ovulation on Day 14. For cycles longer or shorter than 28 days, EDD shifts by the same number of days. Ultrasound dating (Crown-Rump Length at 6–12 weeks) is more accurate than LMP-based calculation and is used clinically when available.
Note: Only 5% of babies are born on their exact EDD. Normal full-term delivery is 37–42 weeks. This calculator is for informational orientation only — please confirm EDD with your gynaecologist and regular antenatal ultrasounds.
Source: ACOG (American College of Obs & Gynae) Bulletin 2017; WHO ANC Guidelines 2016.
Body Fat % — US Navy Method
US Navy circumference method (Hodgdon & Beckett, 1984):
Male: BF% = 495 ÷ [1.0324 − 0.19077 × log₁₀(waist − neck) + 0.15456 × log₁₀(height)] − 450
Female: BF% = 495 ÷ [1.29579 − 0.35004 × log₁₀(waist + hip − neck) + 0.22100 × log₁₀(height)] − 450
All measurements in centimetres. Derived from Siri equation: BF% = (495 ÷ Body Density) − 450.
Body Fat Classification (ACE guidelines):
Male: Essential 2–5%, Athletic 6–13%, Fitness 14–17%, Average 18–24%, Obese 25%+
Female: Essential 10–13%, Athletic 14–20%, Fitness 21–24%, Average 25–31%, Obese 32%+
Accuracy: ±3–4% vs DEXA scan. More accurate than BMI for lean/muscular individuals.
Source: Hodgdon JA, Beckett MB (1984), NHRC Technical Report 84-29.
Water Intake & Ovulation Calculators
Water Intake Formula:
Daily water (ml) = Body weight (kg) × 35 ml × Activity multiplier
• Sedentary: ×1.0 | Moderate: ×1.2 | Active: ×1.4
Base of 35 ml/kg is derived from European Food Safety Authority (EFSA) recommendations (2010): 2.0L/day (female) and 2.5L/day (male) total fluid intake for a 57–70 kg reference adult. Additional 200–400 ml per 30 minutes of exercise is recommended.
Ovulation Calculator:
Ovulation day = Cycle length − 14 (the luteal phase is consistently ~14 days).
Fertile window = Ovulation day − 5 to Ovulation day + 1 (sperm survival 3–5 days; egg viable ~24 hrs).
Next period = LMP + Cycle length.
Source: EFSA Panel on Dietetic Products (2010); ASRM Practice Committee 2021 (ovulation).
Medical note: Both tools are for planning and general awareness only. Consult your doctor for fertility treatment or medical guidance on hydration in specific conditions.
📚 Education Calculators
Percentage calculator, CGPA to percentage converter, grade calculator, marks required calculator and more tools for students. The CGPA-to-percentage formula used by most Indian universities is: Percentage = (CGPA − 0.75) × 10, though some universities use their own conversion scales. Always verify the formula with your university's official guidelines before using the result for applications.
Percentage Calculator Popular
Calculate percentage of marks obtained out of total marks.
CGPA to Percentage
Convert CGPA to percentage. Formula: CGPA × 9.5 (as per CBSE/UGC guidelines).
Grade Calculator
Calculate overall grade from multiple subjects with their respective weightages.
Marks Required to Pass
Calculate minimum marks needed in remaining subjects to achieve your target percentage.
Scholarship Eligibility Check
Check if you meet the basic academic eligibility criteria for scholarship applications.
Percentage Calculator — Method
Formula: Percentage = (Marks Obtained ÷ Total Marks) × 100
Indian Grade Classification (common across CBSE, ICSE, state boards):
• 90–100%: A+ (Distinction / Outstanding)
• 75–89%: A (First Class)
• 60–74%: B (Second Class)
• 50–59%: C (Pass Class)
• Below 50%: Fail (in most boards; some require 33%)
Note: Individual boards may have different pass marks: CBSE requires 33% aggregate and 33% in each subject. JEE Main cutoff percentile ≠ percentage. For competitive exams, marks-to-percentile depends on exam statistics.
Marks lost: Shown as Total − Obtained, to help identify the gap to the next grade band.
Board sources: CBSE Assessment Guidelines 2024; ICSE Council Regulations; Karnataka PUC norms.
CGPA to Percentage Converter — Methods
10-point scale (most Indian universities — Anna University, VTU, Osmania, etc.):
Percentage = CGPA × 9.5
(Officially adopted by most AICTE-affiliated engineering colleges based on UGC 2012 notification)
4-point scale (IITs, NITs, some private universities):
Percentage = (CGPA ÷ 4) × 100
University-specific variations (not applied here — always verify):
• Mumbai University: % = (CGPA − 0.75) × 10
• Delhi University: Grade point × 10 (direct)
• Osmania University: CGPA × 10
• MGR University (Tamil Nadu): Different 10-point tables
Important: There is no single national standard for CGPA conversion in India. Always use your university's official notification for visa, job, or higher education applications. This calculator uses the most common UGC/AICTE formula as a reference.
Source: UGC Credit Framework for Academic Reforms 2022; AICTE Grading System 2018.
Weighted Grade Calculator — Method
Formula: Weighted Average = Σ(Mark_i × Weight_i) ÷ Σ(Weight_i)
Each subject or component is multiplied by its weightage (credit hours or percentage contribution). The sum of weighted marks divided by total weight gives the overall percentage.
Letter grade and GPA mapping (4.0 scale — common in Indian universities using US system):
• 90–100%: A+ → 4.0 GPA
• 80–89%: A → 3.7 GPA
• 70–79%: B+ → 3.3 GPA
• 60–69%: B → 3.0 GPA
• 50–59%: C → 2.0 GPA
• 40–49%: D → 1.0 GPA
• Below 40%: F → 0.0 GPA
Note: GPA scale varies — some institutions use 10-point GPA. This calculator uses a 4.0 scale commonly used by institutions affiliated with UGC/AICTE under Choice Based Credit System (CBCS).
Source: UGC CBCS Framework 2015 Guidelines.
Marks Required Calculator — Method
Formula:
Required marks = (Target% ÷ 100 × Grand Total) − Marks already scored
Required% in remaining = Required marks ÷ Remaining marks × 100
If Required% > 100, the target percentage is mathematically unachievable in the remaining exams.
Example: Student scored 320/450 so far. Remaining exams = 150 marks. Target = 75% of 600 total.
Required = (75% × 600) − 320 = 450 − 320 = 130 marks out of 150 remaining.
Required% in remaining = 130/150 × 100 = 86.7%.
This is a planning tool used by students before boards, semester finals or competitive exams to calibrate their preparation intensity for remaining papers.
Scholarship Checker: Uses NSP (National Scholarship Portal) eligibility benchmarks. Criteria: income ≤ ₹2.5L (most central schemes); merit threshold 60–75% depending on scheme. Check nsp.gov.in for current scheme eligibility.
📊 Business Calculators
Profit & loss, markup, break-even analysis, ROI, GST invoice, discount and commission calculators for small businesses, freelancers and entrepreneurs. Break-even analysis helps you determine the minimum revenue needed to cover fixed and variable costs. ROI calculation lets you compare the return on any investment or marketing spend. All business calculators are for educational planning purposes — consult a CA for formal accounting.
Profit & Loss Calculator
Calculate profit, loss, profit percentage and selling price for any product.
Markup Calculator
Calculate selling price from cost price and desired markup percentage.
Break-Even Calculator
Find the break-even point — units to sell to cover all costs.
ROI Calculator
Calculate Return on Investment — how much profit you made relative to investment.
Discount Calculator
Calculate discounted price and savings amount for any discount percentage.
Commission Calculator
Calculate sales commission amount based on sale value and commission rate.
GST Invoice Calculator
Calculate total invoice amount with GST for multiple items.
Profit & Loss Calculator — Method
Formulas:
Profit = Selling Price (SP) − Cost Price (CP)
Profit% = (Profit ÷ CP) × 100
Loss = CP − SP (when SP < CP)
Loss% = (Loss ÷ CP) × 100
Important distinction — Profit% vs Margin%:
• Profit% (Markup) is calculated on Cost Price: Profit ÷ CP × 100
• Margin% is calculated on Selling Price: Profit ÷ SP × 100
Example: CP = ₹800, SP = ₹1,000 → Profit = ₹200. Markup = 25% (on cost). Margin = 20% (on selling price).
Many businesses confuse markup and margin — using the wrong one in pricing can significantly undercut profitability. The break-even point is SP = CP (0% profit, 0% loss).
GST note: For GST-registered businesses, CP and SP should be net of GST (excluding tax) when computing profit/loss for accounting purposes.
Markup & Margin Calculator — Method
Markup Formula:
Selling Price = Cost Price × (1 + Markup% ÷ 100)
Markup Amount = CP × Markup% ÷ 100
Gross Margin% = Markup Amount ÷ SP × 100
Relationship between markup and margin:
Margin% = Markup% ÷ (100 + Markup%) × 100
Markup% = Margin% ÷ (100 − Margin%) × 100
Example: CP = ₹500, Markup = 40% → SP = ₹700. Margin = 40 ÷ 140 × 100 = 28.6%.
Common retail benchmarks in India:
• FMCG: 15–25% margin | Apparel: 40–60% | Electronics: 5–15% | Jewellery: 20–30% | Pharmaceuticals: 20–40% (as per NPPA trade margins)
GST impact: Markup should be applied on the pre-GST cost. GST is then added on top of the selling price. Do not apply markup on GST-inclusive cost price.
Break-Even Analysis — Formula & Model
Formulas:
Contribution Margin (CM) = Selling Price − Variable Cost per unit
CM Ratio = CM ÷ SP × 100
Break-Even Units = Fixed Costs ÷ CM
Break-Even Revenue = Fixed Costs ÷ CM Ratio
Margin of Safety: (Actual revenue − Break-Even revenue) ÷ Actual revenue × 100. Shows how much sales can decline before a loss occurs.
Example: Fixed costs = ₹1,50,000/month. SP = ₹500/unit. Variable cost = ₹300/unit → CM = ₹200. Break-even = 750 units or ₹3,75,000 revenue.
Variable vs Fixed costs (Indian context): Fixed = rent, salaries, EMIs, insurance, annual licences. Variable = raw materials, packaging, delivery, GST on purchases, labour piece-rate.
Limitation: Assumes single-product firm with constant costs. Multi-product businesses need weighted average CM. Does not account for taxes or financing costs.
ROI, CAGR & Commission Calculators
ROI Formula:
ROI% = (Returns − Investment) ÷ Investment × 100
Annualised ROI = ROI% ÷ Number of years
CAGR Formula:
CAGR = [(Final Value ÷ Initial Value)^(1/years) − 1] × 100
CAGR is the better metric for multi-year investments as it accounts for compounding. A simple ROI ÷ years ignores compounding effects.
Example: Invested ₹1,00,000, received ₹1,60,000 after 3 years → ROI = 60%, Annualised = 20%/year. CAGR = (1.6^(1/3) − 1) × 100 = 16.96%/year. The difference shows why CAGR is more meaningful.
Commission Formula:
Commission = Sale Amount × Rate ÷ 100
Net to seller = Sale − Commission
Commission structures in India: AMFI-regulated MFDs earn 0.2–1.0% trail commission. Real estate agents: 1–2% of transaction value. Insurance agents: 15–40% first-year premium (IRDAI regulated).
GST Invoice & Discount Calculators
GST Invoice Formula:
CGST = Item value × (GST% ÷ 2) ÷ 100
SGST = Same as CGST (intra-state supply)
Invoice total = (Item value × Qty) + CGST + SGST
For inter-state supply: IGST = Item value × GST% ÷ 100 (no CGST/SGST split).
GST on discounts: Trade discounts given at or before invoice date are deducted from taxable value. Post-sale discounts (credit notes) must be linked to original invoice to reverse GST.
Discount Formula:
Discount Amount = Original Price × Discount% ÷ 100
Final Price = Original Price − Discount Amount
Effective Saving% = Discount% (same as input)
Stacked discounts: 30% + 10% ≠ 40%. Actual = 1 − (0.7 × 0.9) = 37%. Always apply discounts sequentially on reduced price, not on original price.
MRP regulation: Under Legal Metrology Act 2009, retail sale above MRP is an offence. GST is included in MRP for packaged goods.
🗓️ Everyday Use Calculators
Age calculator, date difference, tip calculator, bill splitter, fuel cost estimator and currency converter for everyday use. Our currency converter uses static reference rates (updated periodically) — always verify live rates on RBI's website or a reliable forex platform before making any currency transactions. Fuel cost estimates are based on the mileage and price you enter and may vary with actual driving conditions.
Age Calculator Popular
📌 Age is calculated based on dates entered. This is for informational purposes only.
Calculate exact age in years, months, days from date of birth.
Date Difference Calculator
Calculate the difference between two dates in days, months and years.
Tip Calculator
Calculate tip amount and total bill per person for a restaurant or service.
Split Bill Calculator
Split a bill equally or by percentage among multiple people.
Fuel Cost Calculator
Calculate fuel cost for a trip based on distance, mileage and fuel price.
Currency Converter
Convert Indian Rupee (INR) to major currencies. Static reference rates — verify before transactions.
⚠️ Static reference rates. Check live rates at xe.com before transactions.
Age Calculator — Method
Method: Calculates exact age as of today's date by subtracting birth date from current date in years, months, and days — accounting for varying month lengths and leap years.
Years = Current year − Birth year (adjusted if birthday hasn't passed yet this year).
Months = Current month − Birth month (adjusted if day of month hasn't passed).
Days = Current day − Birth day (using the actual number of days in the prior month if negative).
Total days = Math.floor((Today − DOB) ÷ 86,400,000 ms) — accounts for leap years automatically.
Applications: Passport and visa applications require exact age. UPSC eligibility has an upper age limit of 32 years (Gen), 35 (OBC), 37 (SC/ST). EPF withdrawal eligibility requires age 58. Senior citizen FD rates apply from 60 years. Many government schemes have age brackets — always use exact DOB-based age for official applications.
Next birthday countdown: Calculated as days from today to the next calendar anniversary of the birth date.
Date Difference & Tip Calculators
Date Difference Method:
Total days = (End date − Start date) ÷ 86,400,000 ms (milliseconds per day).
Years = floor(days ÷ 365)
Weeks = floor(days ÷ 7)
Months = floor(days ÷ 30) [approximate]
Working days ≈ Total days × 5/7 (assumes 5-day work week; does not account for public holidays).
Use cases: Contract duration, notice periods, FD maturity, property possession timelines, court deadlines, EMI tenure verification.
Tip Calculator:
Tip Amount = Bill × Tip% ÷ 100
Total = Bill + Tip
Per person = Total ÷ Number of people
Tipping norms in India: Tipping is not mandatory but is customary in restaurants (10%), hotels (₹50–200/service), cab drivers (₹20–50), and delivery personnel (₹10–50). Fine dining typically adds a service charge of 5–10% to the bill, which is NOT the same as a tip and is taxable under GST per 2023 guidelines.
Fuel Cost & Currency Converter — Method
Fuel Cost Formula:
Litres required = Distance (km) ÷ Mileage (km/L)
Total cost = Litres × Fuel price (₹/L)
Cost per km = Total cost ÷ Distance
Indian fuel price context (approx May 2026): Petrol ₹94–106/L depending on city (Mumbai highest); Diesel ₹87–93/L. CNG ₹75–90/kg in metro cities. EV equivalent ≈ ₹1.5–2/km at ₹8/unit electricity.
ARAI mileage vs real-world: ARAI test cycle mileage is typically 20–30% higher than real-world mileage due to air conditioning, traffic, road conditions, and driving style. Use 80% of ARAI figure for realistic estimates.
Currency Converter: Static reference rates as of May 2026. Rate = INR per 1 unit of foreign currency. Converted = INR ÷ Rate.
For live rates, check RBI Reference Rate (rbi.org.in) or xe.com. Note: bank forex rates include a spread of 0.5–2% over mid-market rate. Travel cards and forex services may charge additional fees. FEMA regulations apply to foreign exchange transactions above ₹2.5L per trip.
Split Bill Calculator — Method
Formula:
Tax Amount = Bill × Tax% ÷ 100
Total with tax = Bill + Tax Amount
Per person = Total ÷ Number of people
Restaurant bill breakdown in India: A restaurant bill may include: Food & Beverage (pre-tax), GST at 5% (restaurants without AC or alcohol) or 12–18% (AC restaurants), Service Charge (5–10%, legally optional per Consumer Protection rules 2023), and any cover charge. GST is mandatory; service charge can be refused by customers per CCPA guidelines.
Legal note (2023): The Central Consumer Protection Authority (CCPA) issued guidelines that restaurants cannot levy mandatory service charges, and must not include it automatically in the bill. Customers can legally request it to be removed. However, GST is statutory and cannot be waived.
UPI splitting apps: Google Pay, PhonePe, and Paytm allow bill splitting with group UPI requests — our calculator gives you the amounts to request.
ℹ️ About CalcIndia
What is CalcIndia?
CalcIndia (freecalc.online) is a free, comprehensive online calculator platform built specifically for Indian users. We provide 40+ accurate, easy-to-use calculators across six categories: Finance, Loans, Health & Fitness, Education, Business, and Everyday Use. Every tool is designed with the Indian context in mind — using Indian financial formulas, Rupee denomination, updated GST slabs, and the latest Income Tax rules for FY 2025-26 and FY 2026-27.
Why did we build this?
Many Indians struggle with financial planning because the tools available are either too basic, behind paywalls, or not calibrated for Indian tax laws and formulas. We built CalcIndia to bridge that gap — providing professional-grade calculators that are completely free, require no sign-up, and respect your privacy by running all calculations locally in your browser. Not a single digit you enter ever leaves your device.
Our Calculator Categories
- Finance (10 tools): EMI, SIP, FD, RD, PPF, GST, Income Tax (old & new regime), HRA, Gratuity, Chit Fund
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- Health & Fitness (8 tools): BMI, BMR, Calorie Deficit, Ideal Body Weight, Pregnancy Due Date, Water Intake, Body Fat, Macro Calculator
- Education (5 tools): Percentage Calculator, CGPA to Percentage, Grade Calculator, Marks to Percentage, Study Hours
- Business (7 tools): Profit & Loss, Break-Even, ROI, GST Invoice, Markup, Discount, Simple Interest
- Everyday Use (6 tools): Age Calculator, Date Difference, Tip Calculator, Split Bill, Fuel Cost, Currency Converter
Accuracy & Formula Sources
All financial calculators use standard Indian banking formulas — EMI uses the reducing balance method as mandated by RBI guidelines, PPF uses the compounding formula as per India Post specifications, and Income Tax uses the official slabs published by the Income Tax Department of India for FY 2025-26 and FY 2026-27. GST calculations follow CBIC guidelines for CGST/SGST/IGST split. Health calculators use WHO and ICMR standards where applicable.
Privacy & Data Policy
CalcIndia has a strict zero-data-collection policy. All calculations run entirely within your browser using JavaScript. No data is sent to any server. We do not use analytics cookies, tracking pixels, or any form of user profiling. The only third-party service we use is Google AdSense, which may serve interest-based ads using its own cookies — you can manage these through Google's Ad Settings. We require no registration and no personal information of any kind.
Contact Us
We welcome feedback, error reports, and suggestions for new calculators. If you notice a formula error, outdated tax slab, or have a feature request, please reach out via the contact form at freecalc.online/contact or email us at hello@freecalc.online. We aim to respond within 2 business days.
© 2026 FreecalcIndia | freecalc.online | All rights reserved. Built with ❤️ for India.
🔒 Privacy Policy
Last updated: June 2026 | Website: freecalc.online | Contact: kvsskishorekumar@gmail.com
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CalcIndia (freecalc.online) is an independent, free educational platform. All calculators, formulas, examples, and content on this website are provided strictly for educational and informational purposes. This website is a personal project built to make financial and health literacy more accessible to Indian users.
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📢 Important Notice — Please Read Before Using Any Calculator
All calculators, tools, formulas, examples, figures, tax slabs, interest rates, and any other content on freecalc.online (CalcIndia) are provided strictly for educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, medical advice, or any other form of professional advice. Results are mathematical estimates based on standard formulas and user-provided inputs — they are not guaranteed to be accurate for your specific situation. Always consult a qualified professional before making any financial, medical, tax, or legal decision.
💰 Financial & Investment Disclaimer
The EMI, SIP, FD, RD, PPF, loan, and investment calculators on this website use standard mathematical formulas for illustrative purposes only. Results are estimates and do not constitute a guarantee of actual returns, costs, or outcomes.
Mutual fund, SIP, and equity investment return projections shown are hypothetical and based on user-entered expected return rates. Actual returns are subject to market risk, may vary significantly, and past performance is not indicative of future results. Please read all scheme-related documents (SID, SAI, KIM) carefully before investing in any mutual fund.
Loan EMI calculations are based on the standard reducing balance formula and standard inputs. Actual EMI, total interest, and total payable amounts may vary depending on your lender's specific terms, processing fees, prepayment charges, insurance requirements, and other conditions. Always obtain a formal loan offer letter from your bank or NBFC before committing to a loan.
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🧾 Tax & GST Disclaimer
Income Tax calculations on this website are based on published slabs, standard deductions, and rebates for FY 2025-26 and FY 2026-27 as notified under the Finance Acts. These calculations are indicative only. Actual tax liability depends on individual circumstances including income sources, applicable exemptions, deductions under various sections, surcharges, age category, residential status, and other factors that this calculator does not account for.
GST rates shown are based on standard CBIC notifications as of the date of last update. GST applicability, rates, and classifications vary widely by goods/services category, HSN code, business type, and transaction type. Verify GST applicability and rate with a GST practitioner or Chartered Accountant before filing returns or issuing invoices.
This website is not a tax professional and does not provide tax advisory services. For personalised tax planning, filing assistance, or professional guidance, consult a qualified Chartered Accountant (CA) registered with the Institute of Chartered Accountants of India (ICAI) or a registered Tax Return Preparer (TRP).
❤️ Health & Medical Disclaimer
All health and fitness calculators on this website — including BMI, BMR, Calorie, Ideal Body Weight, Pregnancy Due Date, Body Fat Percentage, Water Intake, and Ovulation calculators — are provided for general informational and educational purposes only. They are not medical devices and their results do not constitute a medical diagnosis, clinical assessment, or medical advice.
BMI is a screening tool and has known limitations — it does not account for muscle mass, body composition, age, ethnicity, or fat distribution. The Pregnancy Due Date calculator is based on Naegele's Rule and assumes a standard 28-day menstrual cycle — actual due dates vary and must be confirmed by a qualified gynaecologist with appropriate clinical examination and ultrasound.
Never use results from this website to make decisions about your health, medication, diet, exercise, or medical treatment without first consulting a qualified healthcare professional — a registered medical doctor (MBBS/MD), gynaecologist, dietitian, or specialist as appropriate. In a medical emergency, call 112 or go to your nearest hospital immediately.
📚 Educational Purpose & No Liability Statement
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To the fullest extent permitted by applicable law, CalcIndia, its creator (K.V.S.S. Kishore Kumar), and contributors shall not be held liable for any direct, indirect, incidental, consequential, or special damages arising from the use of or reliance on information, results, or tools provided on this website. Use of this website and its tools is entirely at the user's own risk.
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This Disclaimer was last updated in June 2026. We reserve the right to update this disclaimer at any time without prior notice. Continued use of this website after any changes constitutes acceptance of the updated disclaimer.
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