Calculators
Business calculators for Indian shops
Work in integer paise. MSMED delayed-payment interest tracks the RBI-linked statutory formula, not a frozen 15%. UPI MDR savings treat RuPay credit card on UPI as a separate case from bank-to-bank UPI.
Tax and pricing
GST calculator
Inclusive and exclusive tax breakdowns with an optional payable QR.
Open →Profit margin calculator
Cost, margin, and markup for retailers.
Open →Break-even calculator
Survival units, target-profit units, and margin of safety.
Open →UPI MDR savings calculator
Direct UPI versus gateway fees, with RuPay CC UPI called out.
Open →Loans, savings, statutory
EMI calculator
Loan EMI with a year-by-year amortization PDF.
Open →SIP calculator
Monthly SIP projection with inflation-adjusted value.
Open →Gratuity calculator
Payment of Gratuity Act 15/26 formula, eligibility, and cap.
Open →MSMED interest calculator
RBI-linked delayed-payment interest for MSME suppliers.
Open →TReDS discounting calculator
Net proceeds when you discount a large-buyer invoice.
Open →Shop floor
Split bill calculator
Fair group splits with per-person UPI pay links.
Open →Cash denomination calculator
Count the drawer by note and coin; download a shift summary.
Open →Bank UPI limits
Daily transfer caps before you accept a large payment.
Open →UPI reconciliation tool
Match invoices to UTRs, spot short payments, export monthly reports.
Open →MSME receivables tracker
Invoice aging, 45-day due tracker, and Section 16 demand letters.
Open →Guides in this topic
From the article collection, not a hand-picked subset.
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 →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 15% late-payment interest rights, collateral-free loans, TReDS access, and procurement benefits.
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 (currently 6.5% × 3 = 19.5% 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?
Bank-to-bank UPI has 0% MDR. Gateways still charge for cards, EMI, and often for convenience. RuPay credit card on UPI above ₹2,000 may carry interchange. Run the MDR calculator 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.