Indian Business & Finance Suite — GST, Billing & Pricing
17 toolsCalculate GST, generate clean GST invoices, create quotations and purchase orders, find HSN/SAC codes, generate UPI QR codes, and compute profit margins.
Browse Business & Finance by Workflow
Select a specialized workflow or explore the organized collections below.
GST & Tax Calculators
Tax ComplianceCompute GST slabs (5%, 12%, 18%, 28%), break down CGST/SGST/IGST, check MRP discounts, and lookup HSN/SAC codes.
GST Calculator
Calculate GST amounts with CGST, SGST and IGST split for all official tax slabs.
GST Inclusive / Exclusive Calculator
Reverse-calculate base price from MRP or add GST to an exclusive price.
MRP → Discount → GST Calculator
Calculate customer final payable price from MRP through discount and GST.
HSN Code Finder
Search 4, 6 and 8 digit Indian GST HSN codes for goods with standard tax rates.
SAC Code Finder
Search Indian GST Services Accounting Codes (Heading 99) with standard tax rates.
TDS Calculator
Calculate Indian TDS deductions under Section 194C, 194J, 194I, 194H and net payout.
Invoices, Quotations & Orders
Instant PDFDraft professional GST tax invoices, formal quotations, and official purchase orders with printable PDF exports.
GST Invoice Generator
Generate compliant Indian GST tax invoices with line items, bank details and PDF download.
Business Quotation Generator
Create professional quotes and estimates with line items, validity dates and PDF export.
Purchase Order Generator
Generate vendor Purchase Orders (PO) with dual addresses, line items and PDF download.
Pricing, Profit & Payments
Calculate wholesale margins, markup pricing, freelance hourly rates, employee CTC, and generate instant UPI payment QR codes.
Profit Margin Calculator
Calculate gross profit, margin percentage and markup from cost and selling price.
Wholesale Price Calculator
Calculate volume wholesale pricing, supplier profit and retailer margin.
Freelance Hourly-Rate Calculator
Determine a sustainable hourly, daily and project rate based on income goals and expenses.
Salary-to-Cost Calculator
Calculate real employer Cost to Company (CTC), factoring in PF, ESI, gratuity and overheads.
UPI QR Code Generator
Generate instant UPI payment QR codes and links for Google Pay, PhonePe, Paytm and BHIM.
WhatsApp Payment Message Generator
Create polite, professional payment request and reminder messages for WhatsApp.
Additional Business & Finance
More purpose-built utilities for business & finance workflows.
What are Business & Finance useful for?
Running a business in India requires balancing customer relationships with strict compliance under the Goods and Services Tax (GST) regime. Small and medium enterprises (SMEs), freelancers, consultants, and retail shop owners spend countless hours calculating tax breakdowns, formatting invoices, and chasing receivables.
Most accounting software packages are expensive, bloated, and require complex onboarding. ToolBuddy delivers lightweight, instant financial utilities built specifically for Indian entrepreneurs, traders, and service providers.
From computing GST-inclusive and GST-exclusive rates to calculating TDS deductions, checking official HSN/SAC classifications, generating PDF quotations and invoices, and producing instant UPI payment QR codes, our tools simplify daily business operations without subscription fees.
Why ToolBuddy excels
- Zero Cloud Latency: Tasks run at local hardware speed without server queues or slow upload bars.
- Private & Compliant: Confidential files never leave your device, satisfying strict privacy standards.
- No Paywalls: Unlimited free conversions and calculations without watermarks or forced registrations.
Tax & Pricing Utilities: Key Differences
Ensure accurate books and healthy cash flow with the right financial calculator:
GST Calculator
Quick tax computation
Adds or removes GST based on standard slabs (5%, 12%, 18%, 28%)
Splits into intra-state (CGST+SGST) or inter-state (IGST) automatically
GST Invoice Generator
Formal client billing
Creates comprehensive, printable PDF invoices with line items and taxes
Provides a professional tax document without paid accounting software
UPI QR Code Generator
Zero-fee direct bank collection
Encodes your VPA (UPI ID), payee name, and optional amount into a QR code
Customers pay instantly through GPay, PhonePe, or Paytm with zero gateway fees
Profit Margin Calculator
Pricing products & services
Calculates gross margin, markup percentage, and revenue targets
Prevents underpricing and guarantees profitability on every sale
The Standard Indian SME Billing & Payment Cycle
Follow this sequential procedure for optimal performance and professional results.
Calculate Margins & Verify HSN/SAC
Determine your baseline cost, markup, and profit with Profit Margin Calculator. Look up the correct 4 to 8 digit classification using HSN Code Finder or SAC Code Finder.
Send a Formal Business Quotation
Draft an itemized, elegant quotation specifying terms, valid dates, and GST rates using Business Quotation Generator.
Issue a GST-Compliant Tax Invoice
Upon order confirmation, generate a formatted GST Invoice with automatic CGST, SGST, or IGST separation and client GSTIN validation.
Accelerate Payments with UPI QR Codes
Include a pre-filled UPI payment QR code generated by UPI QR Code Generator directly on your invoice or WhatsApp payment request message.
Financial & Billing Best Practices
Actionable tips to help you avoid common mistakes and get maximum utility.
Know When to Apply CGST/SGST vs IGST
If the supplier and recipient are in the same state (Intra-State), apply CGST (50%) and SGST (50%). If the transaction crosses state borders (Inter-State), apply full IGST.
Always Include Mandatory HSN/SAC Codes
Under Indian tax rules, businesses with turnover above ₹5 Crore must report 6-digit HSN codes on B2B invoices. Businesses under ₹5 Crore must report 4-digit codes.
Embed UPI QR Codes Directly on Invoices
Clients pay up to 4x faster when they can scan an invoice QR code directly from their mobile banking or UPI app rather than copying manual bank account details.
Complete Financial Privacy: Your Business Data Stays on Your Machine
Your customer names, invoice amounts, profit margins, and GSTIN numbers are your proprietary business secrets. ToolBuddy performs all tax calculations and PDF generation client-side. We never store, read, or monetize your business records.
Frequently Asked Questions about Business & Finance
Common questions regarding usage, privacy, and technical specifications.
What are the current GST tax slabs in India?
The standard GST rate slabs in India are 0% (exempt goods), 5% (essential commodities), 12% (processed foods/apparel), 18% (most manufactured goods and IT/professional services), and 28% (luxury items and automobiles).
What is the difference between GST inclusive and GST exclusive amounts?
GST Exclusive means the tax has not yet been added to the base price (Base + Tax = Total). GST Inclusive means the listed price already contains the tax (Total contains Base and Tax). Our GST Inclusive/Exclusive Calculator lets you toggle between both with one click.
Can I generate a legally valid GST invoice on ToolBuddy?
Yes. Invoices generated on ToolBuddy include all mandatory GST fields: supplier name and address, GSTIN, invoice number and date, recipient details, HSN/SAC codes, taxable values, CGST/SGST/IGST breakdown, and authorized signature placeholders.
How does the UPI QR Code Generator work?
It follows the official NPCI UPI Deep-Link specification (upi://pay?pa=...&pn=...&am=...). When scanned by Google Pay, PhonePe, Paytm, or BHIM, it opens the payment screen with your UPI ID and requested invoice amount automatically filled.