Free Business Tools
Free Financial & GST Calculators
Precision calculators built specifically for Indian SMBs, agencies, and accountants. Comply with GST slabs, Section 43B(h) MSME rules, and TDS guidelines.
In-Hand Salary Calculator (CTC to Take-Home)
Convert CTC to monthly in-hand pay with employer PF, gratuity accrual, employee PF, professional tax and income tax itemised.
Income Tax Calculator (New vs Old Regime)
Taxable income and tax for FY 2025-26 under both regimes, slab by slab, with Section 87A and surcharge marginal relief.
HRA Exemption Calculator (Section 10(13A))
All three limbs of the least-of-three test, with the limb that is actually binding your exemption highlighted.
Gratuity Calculator (Payment of Gratuity Act)
The 15/26 formula on last drawn basic, the five-year eligibility rule, and the Rs 20 lakh lifetime tax exemption.
GST Calculator (Exclusive & Inclusive)
Calculate CGST, SGST and IGST across 0%, 5%, 12%, 18%, and 28% slabs with instant place of supply splits.
MSME Late Payment Interest (Sec 43B(h))
Calculate 3x RBI bank rate monthly compounded interest for payments delayed past 45 days under the MSMED Act.
TDS Calculator (Section 194J, 194C, 194H)
Calculate TDS deductions on professional fees, technical services and contracts with proper GST exclusion.
Tool 01
Online GST Calculator
Compute CGST, SGST, or IGST for any invoice amount across standard Indian tax slabs.
IT & consulting services (SAC 9983), SaaS, telecom, banking
Auto-computes CGST/SGST/IGST by place of supply. Free starter plan.
Tool 02
MSME Section 43B(h) Late Payment Interest Calculator
Compute statutory 3x RBI bank rate compounding interest for delayed payments under the MSMED Act.
Statutory interest rate is strictly 3x RBI Bank Rate = 20.25% p.a.
Auto-stamp Udyam certificate & trigger legal dunning sequence.
Tool 03
TDS Calculator (Section 194J, 194C, 194H)
Calculate withholding tax on professional fees and contracts with CBDT-compliant GST separation.
Consulting, Legal, Accounting, Management & Design fees
*CBDT Circular 23/2017: TDS is deducted strictly on the basic service value (₹1,00,000.00), not on the 18% GST.
Dyopact handles automated TDS deduction records & GST reconciliation.
Turn calculations into verified GST invoices in seconds
Dyopact connects proposals, contracts, GST invoicing and payment tracking into one timeline. Never recalculate by hand again.