Banking & Salary Utilities
Practical daily tools for working professionals, businesses, and international transfers.
Salary In-Hand Calculator (CTC to Take-Home Pay)
Calculate your monthly take-home salary from annual CTC with live Chart.js breakdown, New vs Old Tax Regime TDS, EPF, HRA, and itemized salary slip table.
Bank IFSC / MICR Code Finder
Find and verify 11-character Bank IFSC codes and 9-digit MICR codes for all Indian banks (SBI, HDFC, ICICI, PNB) with branch location and NEFT/RTGS support.
Bill Discounting & Factoring Calculator
Calculate upfront cash in hand, discounting charges, reserve amount, and effective APR for MSME trade receivables and TReDS invoice discounting.
Car Lease vs Buy Financing Calculator
Compare Corporate Car Leasing with direct Car Loan purchases. Calculate exact income tax saved on pre-tax lease EMIs in 20% and 30% tax brackets.
Gratuity Calculator
Calculate gratuity payout as per Payment of Gratuity Act 1972 (15/26 formula), Section 10(10) ₹20 Lakhs tax exemption limit, and tenure progression schedule table.
IBAN Validator & Structure Generator
Validate International Bank Account Numbers (IBAN) using the ISO 13616 Mod-97 checksum algorithm for SEPA, European, and Middle East international wire transfers.
Inflation Calculator
Calculate future cost of expenses, purchasing power erosion of money, Rule of 70 price doubling milestones, and year-by-year inflation progression schedule table.
Real Estate ROI & Rental Yield Calculator
Calculate Gross Rental Yield, Net Rental Yield, 10-year property appreciation, and total return on investment (ROI) for residential flats and commercial properties.
SWIFT / BIC Code Finder & Validator
Search and validate 8 to 11-character SWIFT/BIC codes for international wire transfers, overseas remittances, and global bank routing under ISO 9362.