DevTools Hub provides fast, free utilities for developers and finance planning. Developer tools are processed server-side. Finance calculators run instantly in your browser — no data is ever sent to our servers.

⚠️ Disclaimer: Finance calculators on this site are for informational and educational purposes only. Results are indicative estimates and do not constitute financial advice. Consult a qualified financial advisor before making investment or loan decisions.

JSON Formatter & Validator

Format, validate and minify JSON instantly.

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Input JSON

Output

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JSON Formatter Online — Free JSON Beautifier & Validator

Format, validate and minify JSON. Supports nested objects, arrays, unicode, and shows precise error locations.

▶ Why is my JSON invalid?

Common mistakes: trailing commas, single quotes instead of double quotes, unquoted keys, or comments — JSON does not support comments.

SQL Formatter & Beautifier

Format messy SQL queries with proper indentation.

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Uppercase keywords

Input SQL

Formatted SQL

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SQL Formatter Online — Beautify SQL Queries Instantly

Format complex SQL with proper indentation and consistent keyword casing. Handles JOINs, CTEs, subqueries and GROUP BY.

REST API Tester

Send HTTP requests and inspect responses. Like Postman, in your browser.

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Sending request...

API Tester Online — Test REST APIs Without Postman

Send GET, POST, PUT, PATCH, DELETE requests with custom headers and body. View status codes, timing and response headers.

JWT Decoder & Inspector

Decode any JWT token to inspect header, payload and expiry.

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JWT Token

Decoding...

JWT Decoder Online — Decode & Inspect JSON Web Tokens

Paste any JWT to see header, payload claims, algorithm, expiry and issued-at time.

Base64 Encoder & Decoder

Convert text to Base64 and back — standard or URL-safe.

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Action URL-safe

Plain Text

Base64 Output

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Base64 Encoder Decoder Online — Free Converter

Encode strings to Base64 or decode Base64 to text. Supports standard and URL-safe (RFC 4648).

EMI Calculator Finance

Standard EMI · Step-Up · Prepayment · Balance Transfer · Loan Eligibility

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Loan Type:

Loan Amount (₹)

₹

₹1L₹1Cr

Interest Rate (% p.a.)

%

5%24%

Loan Tenure (Years)

yrs

1 yr30 yrs

Compare Rate (% p.a.) (optional)

%

Monthly EMI
₹0

Principal

₹0

Total Interest

₹0

Total Payment

₹0

Interest %

0%

Principal

Interest

Period	Opening Balance	Principal	Interest	Closing Balance

📈 What is Step-Up EMI? Increase your EMI every year by a fixed %. Closes your loan faster and saves significant interest — ideal if you expect annual salary hikes.

Loan Amount (₹)

₹

Interest Rate (% p.a.)

%

Tenure (Years)

yrs

Annual EMI Hike (%)

%

1%25%

Starting EMI
₹0

Months Saved

—

Interest Saved

₹0

Standard Interest

₹0

Step-Up Interest

₹0

💡Adjust the hike % to see how much faster your loan closes.

Year-wise EMI Progression

Year	EMI	Principal	Interest	Balance

💸 Prepayment Simulator See how lump-sum or monthly extra payments reduce your loan tenure and total interest paid.

Outstanding Loan (₹)

₹

Interest Rate (% p.a.)

%

Remaining Tenure (Years)

yrs

Lump-Sum Prepayment (₹)

₹

One-time payment made now

Monthly Extra Payment (₹)

₹

Extra paid every month above EMI

Months Closed Early
—

Interest Saved

₹0

Original Tenure

—

New Tenure

—

Original Interest

₹0

🔄 Balance Transfer Analyser Is switching your loan to a new bank worth it? Factor in processing fees and foreclosure penalty to find out.

Outstanding Principal (₹)

₹

Remaining Months

mo

Current Rate (% p.a.)

%

New Bank Rate (% p.a.)

%

Processing Fee (%)

%

Foreclosure Penalty (%)

%

Floating rate home loans: typically 0%

Verdict
—

EMI Reduction

₹0

Gross Saving

₹0

Transfer Cost

₹0

Net Saving

₹0

Break-Even

—

✅ Loan Eligibility Find the maximum loan you can get based on your monthly income and FOIR (Fixed Obligation to Income Ratio).

Monthly Income (₹)

₹

Existing EMI Obligations (₹/mo)

₹

Car loan, personal loan, credit card EMI etc.

Interest Rate (% p.a.)

%

Loan Tenure (Years)

yrs

FOIR Limit (%)

%

Banks typically allow 40–60% of income

Max Eligible Loan
₹0

Max Allowable EMI

₹0

Available for New Loan

₹0

Loan Amount Scenarios

Loan Amount	Monthly EMI	Total Interest	FOIR %

EMI Calculator — Home Loan, Car Loan & Personal Loan

Calculate monthly EMI for home loan, car loan, personal loan and more. Includes step-up EMI, prepayment analysis, balance transfer comparison and loan eligibility check.

⚠️ Disclaimer: EMI values shown are estimates. Actual EMI may vary based on bank charges, processing fees and compounding method. Always confirm with your lender.

GST Calculator Finance

Calculate GST inclusive and exclusive amounts for all GST slabs — India.

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Amount (₹)

₹

GST Slab

GST Type

Total Amount (with GST)
₹0

Base Amount

₹0

GST Amount

₹0

CGST (50%)

₹0

SGST (50%)

₹0

GST Calculator India — Add or Remove GST Online Free

Calculate GST for all slabs: 5%, 12%, 18%, and 28%. Add GST to a base amount or remove GST from a GST-inclusive price. Instantly shows CGST and SGST split.

⚠️ Disclaimer: GST calculations shown are for informational purposes. Actual GST liability may vary based on product category, exemptions, and applicable cess. Consult a GST professional or chartered accountant for accurate tax computation.

▶ What is GST Exclusive vs Inclusive?

GST Exclusive means the price shown does not include GST — GST is added on top. GST Inclusive means GST is already included in the price — use this to find the base price and GST amount from a final price.

▶ What is CGST and SGST?

For intra-state supplies, GST is split equally between Central GST (CGST) and State GST (SGST). For inter-state supplies, IGST is charged instead. For example, 18% GST = 9% CGST + 9% SGST.

SIP Calculator Finance

Calculate returns on your monthly SIP investment in mutual funds.

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Monthly SIP Amount (₹)

₹

₹500₹1L

Expected Annual Return (%)

% p.a.

1%30%

Investment Period (Years)

years

1 yr40 yrs

Total Corpus
₹0

Invested Amount

₹0

Returns Earned

₹0

Return Multiple

0x

CAGR

0%

Invested

Returns

SIP Calculator — Calculate Mutual Fund SIP Returns

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month in mutual funds. Use this calculator to estimate the total corpus after your investment period based on expected annual returns.

⚠️ Disclaimer: SIP return estimates are based on a constant assumed rate of return and do not account for market volatility. Mutual fund investments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing.

▶ What is a good SIP return rate to assume?

Large-cap mutual funds have historically delivered 10–12% CAGR over 10+ year periods in India. Small and mid-cap funds may deliver higher returns but with higher volatility. Use 10–12% for conservative estimates.

▶ How is SIP different from lump sum investment?

SIP invests a fixed amount monthly regardless of market conditions, averaging out purchase cost over time (rupee cost averaging). Lump sum invests the entire amount at once. SIP is generally better for salaried individuals and reduces timing risk.

Compound Interest Calculator Finance

Calculate compound interest with monthly, quarterly, or yearly compounding.

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Principal Amount (₹)

₹

₹10K₹1Cr

Annual Interest Rate (%)

% p.a.

1%30%

Time Period (Years)

years

1 yr30 yrs

Compounding Frequency

Maturity Amount
₹0

Principal

₹0

Interest Earned

₹0

Effective Rate

0%

Growth

0x

Compound Interest Calculator — Monthly, Quarterly & Yearly Compounding

Calculate compound interest for any principal, rate, and compounding frequency. See how your money grows over time.

⚠️ Disclaimer: Results are estimates for illustrative purposes only. Consult a financial advisor before making investment decisions.

Income Tax Calculator Finance

New vs Old Regime · 80C · HRA · NPS · 80D · LTCG · Surcharge — FY 2025-26

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New Regime Tax

₹0

Old Regime Tax

₹0

Better Regime

—

You Save

₹0

Annual Gross Income (₹)

₹

₹0₹50L

Age

Financial Year

Employer NPS — 80CCD(2) (₹/yr)

₹

Available in BOTH regimes · max 10% of basic

Recommended: —
₹0
Tax + Cess · Monthly: ₹0

Effective Rate

0%

Monthly Take-Home

₹0

Annual Take-Home

₹0

Regime Saving

₹0

⚠️ Old Regime only. These deductions are not available in the new regime. Fill them to get an accurate old regime comparison.

Section 80C Max ₹1.5L

EPF Contribution (₹/yr)

₹

PPF Deposit (₹/yr)

₹

ELSS Mutual Fund (₹/yr)

₹

Life Insurance Premium (₹/yr)

₹

Home Loan Principal (₹/yr)

₹

NSC / Tax-Saver FD (₹/yr)

₹

80C (capped ₹1.5L): ₹0

HRA Exemption — 10(13A)

Basic Salary (₹/yr)

₹

HRA Received (₹/yr)

₹

Rent Paid (₹/yr)

₹

Metro city (Delhi/Mumbai/Kolkata/Chennai)

HRA Exemption: ₹0

Section 24(b) — Home Loan Interest

Home Loan Interest (₹/yr)

₹

24(b) (max ₹2L): ₹0

Section 80D — Health Insurance Max ₹75K

Self + Family Premium (₹/yr)

₹

Limit: ₹25K (<60) / ₹50K (senior)

Parents' Premium (₹/yr)

₹

Parents Senior Citizen (60+) — ₹50K limit

80D Deduction: ₹0

NPS — 80CCD(1B) Max ₹50K

Your NPS Contribution (₹/yr)

₹

Other Deductions

80G — 100% Deductible Donations (₹/yr)

₹

80G — 50% Deductible Donations (₹/yr)

₹

Professional Tax Paid (₹/yr)

₹

Total Old Regime Deductions: ₹0

Rental Income (₹/yr)

₹

Taxed at slab rate after 30% standard deduction

Interest Income (₹/yr)

₹

FD / savings interest — taxed at slab rate

Short-Term Capital Gains — STCG (₹/yr)

₹

Equity STCG taxed at flat 20%

Long-Term Capital Gains — LTCG (₹/yr)

₹

Equity LTCG at 12.5% above ₹1.25L exemption

Tax on STCG (20%)

₹0

LTCG Exempt

₹1,25,000

Tax on LTCG (12.5%)

₹0

Total CG Tax

₹0

🆕 New Regime

Item	Amount

📋 Old Regime

Item	Amount

📊 Slab-wise Tax Breakdown

Slab	Rate	Income in Slab	Tax

Income Tax Calculator India FY 2025-26 — New vs Old Regime

Compare income tax under the new and old tax regime for FY 2025-26 (AY 2026-27). Full breakdown including 80C, HRA, NPS, 80D, home loan interest, LTCG, STCG and surcharge.

⚠️ Disclaimer: Tax computations are approximate. Actual tax may vary based on marginal relief, surcharge above ₹50L and specific exemptions. Consult a CA for accurate filing.

Salary Calculator Finance

Convert CTC to in-hand (take-home) salary with all deductions.

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Annual CTC (₹)

₹

₹1L₹1Cr

Employer PF Contribution

Monthly In-Hand
₹0

Annual In-Hand

₹0

Basic Salary

₹0

Employee PF (12%)

₹0

Professional Tax

₹200/mo

Salary Calculator India — CTC to In-Hand Take-Home Salary

Calculate your monthly take-home salary from CTC. Includes PF, professional tax, and HRA deductions.

⚠️ Disclaimer: Salary breakdowns are estimates. Actual salary structure varies by employer. Consult your HR for exact figures.

FD Calculator Finance

Calculate Fixed Deposit maturity amount and interest earned.

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Deposit Amount (₹)

₹

₹10K₹50L

Annual Interest Rate (%)

% p.a.

3%10%

Tenure

yrs

mo

Compounding

Maturity Amount
₹0

Principal

₹0

Interest Earned

₹0

Effective Yield

0%

Total Days

0

FD Calculator — Fixed Deposit Maturity & Interest Calculator

Calculate maturity amount and total interest on your Fixed Deposit. Supports monthly, quarterly, half-yearly and yearly compounding.

⚠️ Disclaimer: FD interest rates vary by bank and tenure. Results shown are for illustrative purposes. Check with your bank for actual rates.

Gold Price Today in IndiaLIVE

Live 22 carat & 24 carat gold rate — per gram, 8g, 10g, 100g.

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Fetching live gold rates…

Silver Price Today in IndiaLIVE

Live silver rate — per gram, 100g, 1kg with 30-day chart.

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Developer & Finance Blog

Guides, tutorials and explainers for developers and finance.

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About DevTools Hub

Free developer and finance tools, built for everyone

DevTools Hub started as a collection of developer utilities and has grown to include finance calculators tailored for Indian users. Everything is free, fast and requires no sign-up.

Our Mission

To provide the fastest, cleanest, and most reliable free tools for developers and everyday financial planning. No paywalls. No registration. No data collection beyond anonymous analytics.

Tools We Offer

{ }

JSON Formatter

Format, validate and minify JSON

⊞

SQL Formatter

Beautify SQL queries

↗

API Tester

Test REST APIs in browser

🔑

JWT Decoder

Inspect JWT tokens

⇄

Base64

Encode and decode Base64

🏠

EMI Calculator

Home, car & personal loan EMI

🧾

GST Calculator

All GST slabs, India

📈

SIP Calculator

Mutual fund SIP returns

Finance Disclaimer

All finance calculators on DevTools Hub are for informational and educational purposes only. Results are indicative estimates and do not constitute financial advice. Consult a qualified financial advisor, chartered accountant, or bank before making any financial decision.

Contact

Email: shadabmulla07@gmail.com

Privacy Policy

Last updated: January 2025

DevTools Hub is committed to protecting your privacy. We collect minimal data and never store your tool inputs.

What We Collect

We collect no personal information. We use Google Analytics (anonymous) for usage statistics and server logs for security monitoring (auto-deleted after 30 days). Tool inputs — JSON, SQL, JWT tokens, Base64 strings, and all calculator inputs — are never stored or logged.

Finance Tool Data

All finance calculators (EMI, GST, SIP) run entirely in your browser. No calculator inputs are ever sent to our servers.

Cookies

We use Google Analytics cookies (_ga, _gid) for anonymous traffic analysis. Google AdSense (once enabled) may use cookies for ad personalisation. You can opt out via Google Ad Settings.

Third-Party Services

Google Analytics, Google AdSense, Render (hosting), and Google Fonts. Each has its own privacy policy.

Your Rights

Since we collect no personal data, there is typically nothing to delete. For any privacy concerns: privacy@devtools-hub.in

Terms of Service

Last updated: January 2025

By using DevTools Hub you agree to these terms.

1. Acceptance

By accessing devtools-hub.in you agree to these Terms of Service.

2. Service

DevTools Hub provides free online developer tools and finance calculators. The service is supported by advertising.

3. Acceptable Use

You must not use DevTools Hub to test APIs without authorisation, conduct attacks, transmit malware, or for any illegal purpose under Indian law.

4. Finance Disclaimer

Finance calculators are for informational purposes only and do not constitute financial advice. DevTools Hub is not a registered financial advisor, bank, or SEBI-registered entity. Always verify calculations independently and consult qualified professionals before making financial decisions.

5. No Warranty

The service is provided "as is." We do not guarantee accuracy of results, especially for finance calculations which use simplified formulas.

6. Governing Law

These terms are governed by the laws of India.

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Gold Price Today

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JSON Formatter & Validator

JSON Formatter Online — Free JSON Beautifier & Validator

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SQL Formatter Online — Beautify SQL Queries Instantly

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API Tester Online — Test REST APIs Without Postman

JWT Decoder & Inspector

JWT Decoder Online — Decode & Inspect JSON Web Tokens

Base64 Encoder & Decoder

Base64 Encoder Decoder Online — Free Converter

EMI Calculator Finance

EMI Calculator — Home Loan, Car Loan & Personal Loan

GST Calculator Finance

GST Calculator India — Add or Remove GST Online Free

SIP Calculator Finance

SIP Calculator — Calculate Mutual Fund SIP Returns

Compound Interest Calculator Finance

Compound Interest Calculator — Monthly, Quarterly & Yearly Compounding

Income Tax Calculator Finance

Income Tax Calculator India FY 2025-26 — New vs Old Regime

Salary Calculator Finance

Salary Calculator India — CTC to In-Hand Take-Home Salary

FD Calculator Finance

FD Calculator — Fixed Deposit Maturity & Interest Calculator

Gold Price Today in IndiaLIVE

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📈 Gold Price History (INR/gram)

📊 All Carat Prices — Today

Gold Price Today in India — 22 Carat & 24 Carat Rate

Silver Price Today in IndiaLIVE

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📈 Silver Price History (INR/gram)

📊 Silver Quantity Pricing — Today

Silver Price Today in India — Live Rate per Gram and Kilogram

Developer & Finance Blog

About DevTools Hub

Our Mission

Tools We Offer

JSON Formatter

SQL Formatter

API Tester

JWT Decoder

Base64

EMI Calculator

GST Calculator

SIP Calculator

Finance Disclaimer

Contact

Privacy Policy

What We Collect

Finance Tool Data

Cookies

Third-Party Services

Your Rights

Terms of Service

1. Acceptance

2. Service

3. Acceptable Use

4. Finance Disclaimer

5. No Warranty

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Contact

Developer & Finance
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