GST · EMI · SIP · FD · Tax · Land · Currency
Every calculation, correct and offline.
Ganito is the calculator app for Indian homes and shops: 42 tools, from GST invoices and loan EMIs to state-wise bigha and income tax, with every rate cited. On your phone, two taps away, and on your home screen too.
You pay every month
₹17,356
- Loan ₹20 lakh
- Interest ₹21.66 lakh
Over 20 years you pay ₹41.66 lakh in all.
18% GST on 2,5002,950.00
EMI 20L·8.5%·20y17,356.46
1 tola → grams11.664
TAPE3 of 128 · tap to edit
42 tools India actually needs
Hindi beside the English, lakh and crore by default, and results written as plain sentences.
Calculator
कैलकुलेटरBasic and scientific, with an editable tape: change any line and everything after it recalculates. +5% and +18% GST keys, memory, and any amount in words for cheques (Indian English and Hindi).
GST
जीएसटीAdd or remove GST, CGST + SGST or IGST, every GST 2.0 slab (0, 5, 18, 40 % plus 3 % and 0.25 %), and a quick multi-item invoice as a PDF or image.
Loan EMI
लोन की किस्तReducing-balance EMI with a year-by-year table, prepayment (cut the tenure or the EMI), rate changes, two-loan comparison, eligibility and affordability.
Flat vs reducing
फ़्लैट बनाम घटती दरSee the real rate behind a "flat" quote: 10 % flat over 3 years is about 17.9 % on a reducing balance.
SIP and goals
एसआईपी और लक्ष्यSIP, step-up SIP, lumpsum, SWP, an inflation-adjusted goal planner and XIRR from dated entries.
Savings, FD
बचत, एफ़डीFD with quarterly compounding and a TDS hint, RD, PPF, Sukanya Samriddhi, NSC and EPF at the current government rates.
Income tax
आयकरNew vs old regime for FY 2025-26 and 2026-27: slabs, the 87A rebate up to ₹12 lakh with marginal relief, ₹75,000 standard deduction, surcharge and cess.
Land and units
ज़मीन नापBigha by state, biswa, gaj, guntha, cent, kanal, marla; tola, masha and ratti; lakh/crore to million/billion; and every everyday unit.
Currency
मुद्राECB daily reference rates, saved for offline use with the date always shown; UAE, Saudi, Qatar, Oman and Bahrain from their dollar pegs.
Everyday
रोज़ के हिसाबTip and split with unequal shares and a UPI request message, discounts, percentages, age and days between dates.
Two looks, one app
Pick in Settings, or let Ganito follow your phone's light and dark mode.
Soft keys
Calm white, big rounded keys and one saffron "=". Large numbers you can read without glasses, with a donut and a plain sentence for every result. Made for the whole family.
Instrument
A slate panel with mint readouts and mono digits. Every result prints onto a paper tape you can scroll and edit. Dense and fast, for the shop counter and the accountant.
Outside the app too
The calculations people do all day shouldn't need the app open.
A working keypad widget
Add 18% GST to a bill from the home screen. Results join the app's tape later.
Currency, loan and quick-tool widgets
USD or AED to rupees with the rate date, your next EMI (hidden on the lock screen), and your favourite tools. Lock screen and StandBy included.
Control Center and the Action button
Open the calculator or the GST calculator in one press (iOS 18).
Siri answers aloud
"GST with Ganito", "EMI with Ganito", "Convert currency with Ganito". Siri asks for the numbers and answers, worked out on your phone.
Accuracy is the point
Every formula is tested against published examples, and every rate comes from a versioned file that names its source.
- Income tax: Finance Act 2025 and the Income Tax Department's rate tables; checked against the Budget 2025-26 speech's own worked examples.
- GST: CBIC Notification 9/2025-Central Tax (Rate), in force from 22 September 2025.
- PPF, SSY, NSC, RD: the Ministry of Finance's small-savings rates for October–December 2026; EPF 8.25 % for FY 2025-26.
- Currency: the European Central Bank's euro reference rates, with the date always shown.
- Bank-style maths: quarterly FD compounding, India Post's RD table (₹100 a month for 5 years at 6.7 % = ₹7,136.58), reducing-balance EMIs.
Results are estimates. Your bank, the tax department or your local land record has the final word.
Private by design
No account, no ads, no tracking. Your calculations never leave your phone. The only download is the ECB's public rate file, and you can turn even that off.