GST, Discount & Loan Calculator Pro
Three calculations that share a shape: a price, a percentage, and the question of which way round they go — which is where all the mistakes are. Free preview · Pro required to export. Calculate GST, discounts and loans and copy the result free. Downloading the invoice summary requires Pro.
Free preview · Pro required to export. Calculate GST, discounts and loans and copy the result free. Downloading the invoice summary requires Pro.
Why use this tool?
- Removing GST is not the same as subtracting it. Taking 18% off an inclusive ₹1,180 gives ₹967.60; the correct answer is ₹1,000, found by dividing by 1.18. That single mistake is behind most mismatched invoices.
- The same rate splits into CGST and SGST within a state and becomes IGST across state lines. The customer pays the same; an invoice showing the wrong pair is a correction later.
- Stacked discounts do not add. 20% and a further 10% is 28% off, not 30%.
How to use GST, Discount & Loan Calculator
- Pick GST, Discount or Loan.
- For GST, choose whether you are adding it to a net price or pulling it out of a gross one.
- Tick inter-state if the place of supply is a different state.
- Copy the breakdown straight onto the invoice.
Features
- Add or remove GST, with the arithmetic shown both ways
- All notified slabs including 0.25% and 3%, plus any custom rate for VAT elsewhere
- CGST and SGST split, or IGST for inter-state supply
- Chained percentage discounts plus a flat coupon, applied in checkout order
- Reverse discount: what percentage reaches a given price
- Monthly loan repayment, total interest and total repaid
Tips
- The order of two percentage discounts does not matter. The order of a percentage and a flat coupon matters a great deal.
- For a month-by-month amortisation schedule or the effect of a prepayment, use the EMI Calculator — this tab is for comparing offers quickly.
Frequently asked questions
How do I remove GST from an inclusive price?
Divide by 1 plus the rate — for 18%, divide by 1.18. Do not subtract 18%, which gives a different and wrong answer. The tool shows both so the difference is visible.
When is it IGST rather than CGST and SGST?
IGST applies when the place of supply is in a different state to the supplier. Within one state the same total splits evenly into CGST and SGST.
Can I use this for VAT outside India?
Yes. Choose a custom rate and read the taxable value and tax lines; the CGST/SGST split is specific to India and can be ignored.
Can I try this Pro tool without an account?
Yes. Calculate GST, discounts and loans and copy the result free. Downloading the invoice summary requires Pro. Your own input is processed locally in your browser.
Will upgrading keep my work?
Checkout and login open in a separate tab. Keep the workspace open to retain inputs, settings and previews. Files stay in that tab only; keep the originals in case you close or reload it. Export access is checked with the server after payment.
Your files are processed directly in your browser and are not uploaded to HubToolify's servers.