Calculators
Business calculators for Indian shops
Work in integer paise. GST lookup follows GST 2.0 slabs. UPI MDR from 15 October 2026 is modelled as a merchant fee, not a tax — P2P and small QR shops stay free.
Tax and pricing
GST calculator
Search the product, apply GST 2.0 rates, split CGST/SGST or IGST.
UPI MDR calculator (Oct 2026)
0.4% on some P2M above ₹2,000. Small QR shops stay free. Not a tax.
Profit margin calculator
Cost, margin, and markup for retailers.
Break-even calculator
Survival units, target-profit units, and margin of safety.
UPI vs gateway savings
Direct UPI versus 2.36% gateway fees, with the October MDR netted.
Loans, savings, statutory
EMI calculator
Loan EMI with a year-by-year amortization PDF.
SIP calculator
Monthly SIP projection with inflation-adjusted value.
Gratuity calculator
Payment of Gratuity Act 15/26 formula, eligibility, and cap.
MSMED interest calculator
RBI-linked delayed-payment interest for MSME suppliers.
TReDS discounting calculator
Net proceeds when you discount a large-buyer invoice.
Shop floor
Split bill calculator
Itemised restaurant splits with per-person UPI QR and WhatsApp.
Night-close till
Count notes, add UPI and card, petty cash, bank deposit, variance PDF.
Bank UPI limits
Daily transfer caps before you accept a large payment.
UPI reconciliation tool
Match invoices to UTRs, spot short payments, export monthly reports.
Invoice payment tracker
Import your bank statement and match UPI credits to open invoices.
MSME receivables tracker
Invoice aging, 45-day due tracker, and Section 16 demand letters.
MSME receivables
Invoice payment tracker
Aging buckets, 45-day flags, reminders, and part payments in one place.
MSMED interest calculator
RBI-linked delayed-payment interest for MSME suppliers.
TReDS discounting calculator
Net proceeds when you discount a large-buyer invoice.
MSME receivables tracker
Invoice aging, 45-day due tracker, and Section 16 demand letters.
Guides in this topic
From the article collection, not a hand-picked subset.
Government Schemes for Small Businesses in India - 2026 Roundup
Every scheme worth knowing: Udyam protections, Mudra loans, CGTMSE guarantees, TReDS invoice discounting, PM SVANidhi, and zero-MDR UPI merchant incentives.
Read guide →Udyam Registration Guide 2026 - MSME Benefits & How to Apply Free
Register free on the Udyam portal in 10 minutes and unlock 17.25% late-payment interest rights, collateral-free loans, TReDS access, and procurement benefits.
Read guide →P2PM Small Merchant: Who Stays Free on UPI MDR
Banks tag small QR shops as P2PM. GSTIN is not required. Three months over ₹1 lakh moves you to 0.4% MDR. How to check PhonePe, GPay, and your bank before 15 Oct 2026.
Read guide →UPI MDR from 15 Oct 2026: What Merchants Actually Pay
Headlines said UPI tax. From 15 Oct 2026 merchants pay 0.4% MDR on some P2M payments above ₹2,000. P2P and small QR shops stay free. Rates, GST, and a calculator.
Read guide →TReDS Explained - Discount Unpaid MSME Invoices for Instant Cash
How TReDS lets registered MSMEs convert accepted invoices from large buyers into cash within days — eligibility, discount costs, and the step-by-step flow.
Read guide →UPI QR Code vs Payment Gateway for Business
An in-depth comparison of free static UPI QR codes and paid payment gateways (like Razorpay, Cashfree, or Paytm Business) for small merchants and online creators.
Read guide →RuPay Credit Card on UPI: MDR and Merchant Charges Explained
An analysis of the Merchant Discount Rate (MDR) and transaction charges applied when accepting RuPay Credit Card payments via UPI QR.
Read guide →
Frequently asked questions
Is MSMED delayed-payment interest still 15%?
No. The calculator uses three times the RBI Bank Rate (5.75% since 7 Oct 2026, so 17.25% p.a.) as notified for MSMED claims. Confirm the live Bank Rate on rbi.org.in before you send a legal notice.
Does the EMI figure include processing fees?
The schedule is principal and interest only. Processing fees, GST on charges, and prepayment penalties are extra — add them separately if your lender quotes them.
Is UPI always cheaper than a payment gateway?
Usually yes. Gateways still take about 2% + GST. From 15 October 2026 some P2M UPI above ₹2,000 take 0.4% MDR (not a tax), capped at ₹300. P2P, sub-₹2,000 tickets, and small QR shops stay at 0%. Run both calculators with your mix.
Do these calculators store my numbers?
Drafts stay in localStorage on this device. Nothing is uploaded unless you use a clearly labelled account-backed feature such as dynamic QR or checkout.