GST Calculator

Add GST to a price, or work out how much GST is inside an amount you've already paid. See the CGST and SGST split, or IGST for sales between states.

Free, no sign-upUses the GST rates in force since 22 September 2025Works both ways: add GST or remove it

Adds GST to the base price.

Most goods & services are taxed at 5% or 18%. 40% applies to luxury/sin goods.

Within state: split into CGST + SGST. Between states: charged as IGST.

Total GST
₹1,800.00
Amount before GST₹10,000.00
Total GST amount₹1,800.00
Amount including GST₹11,800.00
Split: CGST (9.0%) + SGST (9.0%)₹900.00 + ₹900.00

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Two related calculations.

Only the cash ledger portion attracts Section 50 interest.

Statutory interest rate: 18% p.a. (fixed under Section 50)

Estimated interest

₹739.73

Paid 30 days late.

This is interest under Section 50 of the CGST Act. It doesn't include the late fee for filing your return late, which is charged separately.

What is GST?

GST (Goods and Services Tax) is the comprehensive indirect tax charged on goods and services sold in India. It replaced VAT, service tax and excise duty in July 2017. The seller collects it from the buyer and remits it to the government.

Current rates: Since 22 September 2025, most goods and services fall into 5% (essentials) or 18% (most standard goods, services and finance). 40% applies to luxury and sin goods.

Within a state: Split equally into CGST (Centre) + SGST (State). Between states: Charged as IGST (Integrated GST).

How to use the GST calculator

1

Enter amount

Type the price, bill or invoice amount.

2

Select mode

Choose "Before GST" to add tax, or "Including GST" to remove tax from an inclusive price.

3

Pick rate slab

Choose standard 5%, 18% or 40%, or type a custom percentage under Other.

4

Choose buyer location

Select Same state (CGST + SGST split) or Another state (IGST).

How GST is calculated

Adding GST to a price: GST = Price × Rate ÷ 100 Price including GST = Price + GST (e.g. ₹10,000 at 18% gives GST ₹1,800, Total ₹11,800) Removing GST from an inclusive price: Price before GST = Inclusive price × 100 ÷ (100 + Rate) GST = Inclusive price − Price before GST (e.g. ₹4,999 phone with 18% GST: Base price = ₹4,236.44, GST = ₹762.56) Common error: subtracting 18% directly gives ₹4,099.18 which is incorrect because the base was ₹4,236.44.

Interest on late payment = Tax paid late in cash × 18% × Days late ÷ 365
Worked example (illustrative)
Interest on late GST payment (Section 50 CGST Act): Interest = Tax paid late in cash × 18% × Days late ÷ 365 Example: ₹50,000 paid 30 days late in cash ledger: Interest = ₹50,000 × 18% × 30 ÷ 365 = ₹739.73.

Is GST charged on loans?

Understanding where GST applies and where it is legally exempt in Indian lending.

Interest & EMIs: Exempt (0% GST)

Interest on loans, advances, and deposits is specifically exempt from GST under GST notifications. The interest component in your monthly personal loan EMI attracts 0% GST.

Processing Fees: Taxed at 18% GST

Administrative charges, processing fees, document verification fees, and loan origination charges are treated as financial services and attract 18% GST.

Penal Charges: Exempt (CBIC Jan 2025)

As clarified by the CBIC in January 2025, penal charges levied by RBI-regulated banks and NBFCs for delayed EMI payments do not attract GST.

Credit Cards: Taxed at 18% GST

Credit card finance charges and conversion interest are explicitly excluded from the interest exemption. Therefore, 18% GST applies to credit card interest and fees.

Which GST rate applies?

Classification criteria determining applicable GST slab.

HSN / SAC Code

Goods use HSN codes and services use SAC codes which fix the statutory tax rate.

Essential vs Sin goods

Essential items attract 5%, mainstream goods 18%, and luxury/demerit goods attract 40%.

Sale location

Location decides whether tax divides into CGST + SGST or combines into IGST, though total rate remains identical.

Invoice date

Bills dated prior to 22 September 2025 may reflect discontinued 12% or 28% legacy slabs.

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Frequently Asked Questions

Disclaimer: Results are estimates based on the amount and rate you enter. GST rates depend on the item and can change, so confirm the rate for your item in the official GST rate schedule. The interest estimate uses 18% a year on tax paid late in cash and does not include late fees or amounts under a notice or demand. This calculator does not give tax advice.

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