Blu Tools
Numbers first, decisions after.
Over 45 India-first calculators for salary, tax, loans, investments, retirement and insurance. Everything runs in your browser — nothing is stored.
Flagship Blu Tool
Check Your Financial Health Blu Financial Health Check
Understand your financial strengths, identify gaps and know what to work on next.
GSTIN Identifier
Check whether a GST number is correctly formed and see the state, PAN and taxpayer type inside it.
Popular Blu Tools
8th Pay Commission CalculatorScenario-based estimate of revised pay at different fitment factors.Gratuity CalculatorGratuity payable on leaving after five years of service.Income Tax Calculator — New RegimeTax payable under the new regime slabs with standard deduction.Income Tax Calculator — Old RegimeTax payable under the old regime after your deductions.Old vs New Tax RegimeSide-by-side comparison so you can pick the cheaper regime.SIP CalculatorWhat a monthly SIP grows into over time.Goal SIP CalculatorThe monthly SIP needed to reach a target amount.EMI CalculatorMonthly instalment, total interest and total outgo on any loan.Loan Prepayment CalculatorInterest and time saved by prepaying part of your loan.Retirement CalculatorThe corpus you need at retirement and the SIP to get there.Child Education CalculatorWhat a degree will cost when your child gets there.Life Insurance Requirement CalculatorThe term cover your family would actually need.Net Worth CalculatorEverything you own minus everything you owe.Emergency Fund CalculatorHow much cash you should keep aside, and how to build it.
Salary & Government
Pay commission, allowances and retirement benefits
8th Pay Commission CalculatorScenario-based estimate of revised pay at different fitment factors.7th CPC Salary CalculatorGross and take-home pay under the 7th Pay Commission structure.DA CalculatorDearness allowance amount and arrears when the rate changes.HRA CalculatorHouse rent allowance payable at your city classification.Salary Increment CalculatorNew salary after an increment, and growth over several years.Gratuity CalculatorGratuity payable on leaving after five years of service.Pension CalculatorMonthly pension a retirement corpus or annuity can support.NPS CalculatorNPS corpus at 60, plus the lumpsum and annuity split.EPF CalculatorProvident fund balance at retirement from monthly contributions.Leave Encashment CalculatorValue of unused earned leave at retirement or resignation.
Tax
Income tax, TDS, capital gains and deductions
Income Tax Calculator — New RegimeTax payable under the new regime slabs with standard deduction.Income Tax Calculator — Old RegimeTax payable under the old regime after your deductions.Old vs New Tax RegimeSide-by-side comparison so you can pick the cheaper regime.HRA Exemption CalculatorExempt HRA under section 10(13A) and the taxable balance.80C Deduction CalculatorHow much 80C headroom is left and the tax it saves.TDS CalculatorTax deducted at source on common payments.Advance Tax CalculatorQuarterly advance tax instalments and what is due now.Capital Gains CalculatorShort- and long-term capital gains tax on listed equity and other assets.GST CalculatorAdd GST to a base price or extract it from a gross amount.
Investments
SIP, lumpsum, compounding and returns
SIP CalculatorWhat a monthly SIP grows into over time.Step-up SIP CalculatorA SIP that rises every year with your income.Lumpsum CalculatorFuture value of a one-time investment.Compound Interest CalculatorGrowth of a deposit at any compounding frequency.CAGR CalculatorCompound annual growth rate between two values.XIRR CalculatorAnnualised return when you invested different amounts at different times.Goal SIP CalculatorThe monthly SIP needed to reach a target amount.SWP CalculatorHow long a corpus lasts with regular withdrawals.Inflation CalculatorWhat today's expense will cost in future, and real returns.Cost of Delay CalculatorWhat putting off investing by a few years costs you.Impact of 1% CalculatorWhat one percentage point of return or cost does to your corpus.Power of Compounding CalculatorHow an investment grows decade by decade.Asset Allocation CalculatorAn age-based split between equity, debt and gold, and where you stand.Present Value CalculatorWhat a future amount is worth in today's money.Annuity CalculatorRegular income a lumpsum buys, or the lumpsum an income needs.FD / Investment CalculatorMaturity value of a fixed deposit, compounded quarterly.
Loans
EMI, eligibility and prepayment
EMI CalculatorMonthly instalment, total interest and total outgo on any loan.Home Loan CalculatorEMI, down payment and total cost of buying a home on loan.Loan Prepayment CalculatorInterest and time saved by prepaying part of your loan.Loan Prepayment vs InvestmentWhether a surplus is better used to prepay or to invest.Home Loan Eligibility CalculatorIndicative loan amount lenders may sanction on your income.Interest vs Principal CalculatorHow each year's EMI splits between interest and principal.
Retirement & Goals
Corpus planning for life goals
Retirement CalculatorThe corpus you need at retirement and the SIP to get there.Retirement Goal PlannerCheck whether your current savings pace reaches your target.Financial Goal PlannerPlan any goal — the future cost and the monthly investment it needs.Child Education CalculatorWhat a degree will cost when your child gets there.Marriage Planning CalculatorCorpus and monthly saving needed for a wedding.House Purchase PlannerDown payment target and the EMI you will carry afterwards.Financial Freedom (FIRE) CalculatorThe corpus that makes work optional, and how long it takes.Visual Goal PlannerSee how far along you are on a goal and what remains.
Insurance
Cover you actually need
Personal Finance
Net worth and emergency readiness
These calculators give indicative estimates based on the inputs provided and commonly applicable rules. They are not tax or investment advice — talk to a Bluman Chartered Accountant before acting on the numbers.