Free Indian Calculators, Government Information & Useful Tools
Calculate, compare and understand your finances with free online tools and practical government guides.
Every tool works instantly in your browser. Nothing you enter is stored or sent to a server, and no account is needed.
Popular calculators
All finance calculators →- Income Tax CalculatorEstimate tax for FY 2026-27 (AY 2027-28) and see which regime leaves you better off.
- CTC to In-Hand SalaryTurn an offer letter CTC into the number that reaches your bank account.
- EMI CalculatorMonthly instalment, total interest and full repayment schedule for any loan.
- SIP CalculatorWhat a monthly investment could grow to, with optional annual step-up.
- PF CalculatorMonthly EPF and EPS split from your basic salary.
- Gratuity CalculatorWhat you are owed after five years, under the statutory formula.
- GST CalculatorAdd or remove GST, with the CGST, SGST and IGST split.
- PPF Calculator15-year Public Provident Fund projection, year by year.
Government information
All government pages →SchemesEligibility, benefits, documents and the official application link for each scheme.JobsWhich body recruits for what, and how each selection process actually works.ResultsWhere official results are published and how to check yours.DocumentsAadhaar, PAN, EPFO, passport, certificates — the legitimate official process.
Tools To India is not a government website. We are an independent informational site, not affiliated with any government department. We do not issue documents, process applications or collect fees. Every government page here links to the official portal.
Government schemes
- AgriculturePM-KISAN — Pradhan Mantri Kisan Samman NidhiAn income support scheme that pays eligible landholding farmer families ₹6,000 a year, transferred directly to their bank accounts in three instalments of ₹2,000.Last verified 9 August 2026
- HealthAyushman Bharat PM-JAY — ₹5 Lakh Health CoverA health assurance scheme providing up to ₹5 lakh per family per year of cashless secondary and tertiary hospital treatment at empanelled public and private hospitals.Last verified 9 August 2026
- HousingPradhan Mantri Awas Yojana — Urban 2.0A housing scheme helping urban poor and middle-class families construct, purchase or rent an affordable home, with government assistance of up to ₹2.50 lakh per unit.Last verified 9 August 2026
- EnergyPradhan Mantri Ujjwala Yojana — LPG ConnectionA scheme providing deposit-free liquefied petroleum gas connections to adult women from eligible households, to replace solid cooking fuels.Last verified 9 August 2026
- Women & ChildSukanya Samriddhi Yojana — Savings Scheme for a Girl ChildA government small savings scheme for a girl child under ten, currently paying one of the highest notified small savings rates, with fully tax-free interest and maturity.Last verified 9 August 2026
- LivelihoodPM SVANidhi — Working Capital Loans for Street VendorsA micro-credit scheme giving street vendors collateral-free working capital loans, with an interest subsidy on timely repayment and rising loan limits for those who repay on schedule.Last verified 9 August 2026
- Social securityAtal Pension Yojana — Guaranteed Pension After 60A pension scheme for workers in the unorganised sector, giving a guaranteed monthly pension of between ₹1,000 and ₹5,000 from the age of 60.Last verified 9 August 2026
- Social securityPM Jan Dhan Yojana — Zero-Balance Bank AccountA financial inclusion scheme providing a basic savings account with no minimum balance requirement, a RuPay debit card with insurance cover, and access to an overdraft facility.Last verified 9 August 2026
- Social securityPM Jeevan Jyoti Bima Yojana — ₹2 Lakh Life CoverA term life insurance scheme giving ₹2 lakh of cover for any cause of death, for an annual premium auto-debited from your bank account.Last verified 9 August 2026
- Social securityPM Suraksha Bima Yojana — ₹2 Lakh Accident CoverAn accident insurance scheme giving ₹2 lakh for accidental death or total permanent disability, and ₹1 lakh for partial permanent disability, for a nominal annual premium.Last verified 9 August 2026
- LivelihoodPM Mudra Yojana — Collateral-Free Business LoansA scheme under which banks and other lenders provide collateral-free loans to small non-corporate, non-farm businesses, in graduated categories.Last verified 9 August 2026
- LivelihoodPM Vishwakarma — Support for Traditional ArtisansA scheme supporting traditional artisans and craftspeople working with their hands and tools, through recognition, skill training, a toolkit incentive and collateral-free credit.Last verified 9 August 2026
Popular document guides
All guides →- Aadhaar — Update, Download, Lock and VerifyUpdate, download, lock and verify your Aadhaar through the official UIDAI portal.
- PAN Card — Apply, Correct, Link and VerifyApply, correct, link with Aadhaar and check the status of your PAN.
- EPFO — Member Portal, Passbook, Claims and TransfersCheck your balance, update KYC, file claims and transfer your PF account.
- UAN — Universal Account Number for EPFActivate your UAN, recover a forgotten one, and keep a single UAN across jobs.
- Voter ID — Register, Correct and Find Your Polling BoothRegister to vote, correct details, transfer constituency and download e-EPIC.
- Driving Licence — Learner’s, Permanent, Renewal and DuplicateLearner’s licence, permanent licence, renewal, duplicate and adding a class.
- Passport — Apply, Renew, Tatkaal and Police VerificationApply, reissue, book an appointment and understand police verification.
- DigiLocker — Store and Share Official DocumentsFetch, store and share official documents with legal validity.
Everyday tools
All utility tools →Latest from the blog
All articles →- FinanceHow CTC Becomes In-Hand SalaryCTC is what you cost your employer. In-hand is what reaches your account. Here is exactly what sits between the two.Updated 9 August 2026
- FinanceHow PF Is Calculated From Your SalaryProvident fund is 12% of basic plus DA from each side — but the two halves are not treated the same, and the ₹15,000 ceiling changes the picture considerably.Updated 9 August 2026
- FinanceHow Gratuity Is Calculated in IndiaGratuity is fifteen days of basic pay for every completed year, on a twenty-six day month. The details around that formula decide how much you actually get.Updated 9 August 2026
- LoansHow EMI Actually WorksAn EMI is fixed, but what sits inside it changes every month. Understanding that split explains almost everything else about borrowing.Updated 9 August 2026
- LoansHow Loan Tenure Changes What You PayThe trade-off between EMI and tenure is not symmetric. Seeing the actual numbers usually changes the decision.Updated 9 August 2026
- LoansHow to Reduce Your Home Loan EMIThere are five real ways to reduce what a home loan costs you. They differ in effort, in saving, and in whether they lower the instalment or the total.Updated 9 August 2026
Why Tools To India?
- The tool comes first
- Every calculator sits at the top of its page and works the moment it loads. No sign-up wall, no email capture, no advertisement between you and the answer.
- The maths is tested
- Every calculation runs through a unit-tested function checked against the relevant Act, rule or banking convention — not arithmetic written inline in a web page.
- Sources are shown
- Government pages name the official source, link to it, and show the date it was last verified. If we could not verify it, we do not publish it.
- Assumptions are stated
- Where a result depends on an assumption — a compounding convention, a typical salary structure — the page says so instead of presenting an estimate as a fact.
- Fast on a slow phone
- No web fonts, no heavy libraries, minimal JavaScript. The calculators are usable on an entry-level Android handset on a weak connection.
- Nothing is collected
- Calculations happen in your browser. Your salary, loan and personal figures are never sent to a server, because there is nowhere for them to go.