Cogent DeFi
Free Tools

25 Free Financial Calculators

India-specific tools for tax planning, payroll, investments, and corporate finance. Built for FY 2024-25 β€” no sign-up required.

Most Used

πŸ“‹Taxation

ITR-1 Filing Wizard

9-step guided wizard: enter income, compute tax, download valid ITR-1 JSON for AY 2025-26

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πŸ“ŠTaxation

Income Tax Calculator

Compare Old vs New regime tax liability for FY 2024-25

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πŸ“…Taxation

Advance Tax Calculator

Installment due dates and penalty estimation

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βœ‚οΈTaxation

TDS Calculator

Section-wise TDS rates for salary, rent, professional fees

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🧾Taxation

GST Calculator

Add or extract GST. CGST, SGST, IGST split

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🏠Taxation

HRA Exemption Calculator

Three-limit rule under Section 10(13A)

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πŸ“ˆTaxation

Capital Gains Tax Calculator

STCG & LTCG for equity, property, gold β€” FY 2024-25

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πŸ’ΌPayroll & Benefits

Take-Home Salary Calculator

CTC to in-hand salary breakdown with EPF, PT, TDS

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🏦Payroll & Benefits

EPF / PF Calculator

Provident fund corpus at retirement with interest

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🎁Payroll & Benefits

Gratuity Calculator

Payment of Gratuity Act 1972 β€” covered and non-covered

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πŸ—“οΈPayroll & Benefits

Leave Encashment Calculator

Tax exemption under Section 10(10AA)

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πŸ›οΈPayroll & Benefits

NPS Calculator

National Pension System corpus and monthly pension

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🏑Loans & VCFO

EMI Calculator

Home, car, personal loan EMI with amortization table

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βš–οΈLoans & VCFO

Loan Comparison Calculator

Compare two loan options side by side

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πŸ’ΈLoans & VCFO

Loan Prepayment Calculator

Interest saved by prepaying your loan

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🏒Loans & VCFO

Business Loan Eligibility

DSCR-based eligibility assessment

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πŸ”„Loans & VCFO

Working Capital Calculator

Cash conversion cycle and WC funding requirement

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πŸ“‰Investment

SIP Calculator

Systematic Investment Plan returns estimator

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πŸ’°Investment

Lump Sum Calculator

One-time investment future value

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πŸ“ΆInvestment

Step-Up SIP Calculator

Increasing SIP vs flat SIP comparison

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πŸ“Investment

CAGR Calculator

Compound Annual Growth Rate β€” three modes

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πŸ…Investment

PPF Calculator

Public Provident Fund maturity with extension option

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🏧Investment

FD / RD Calculator

Fixed and recurring deposit returns with TDS

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πŸ“‹Corporate Finance

NPV Calculator

Net Present Value with dynamic cash flow rows

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🎯Corporate Finance

IRR Calculator

Internal Rate of Return and MIRR

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πŸš€Corporate Finance

Startup Valuation (DCF)

5-year DCF enterprise value and per-share price

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