GST Calculator
A ₹2,360 bill at 18% has ₹360 of tax inside it. Type any amount, pick the rate, and see the price before GST and how the tax splits on an invoice.
Same amount at each GST rate
Tax is worked out in paise, the way invoices are, so the parts always add up. Everything is calculated in your browser.
Six invoice cases, worked out
Each row below is what the calculator returns for that input. "Inclusive" means the amount already has GST in it.
| Case | Before GST | GST | How the invoice shows it | Total |
|---|---|---|---|---|
| ₹10,000 job, 18%, client in your state | ₹10,000.00 | ₹1,800.00 | CGST ₹900 + SGST ₹900 | ₹11,800.00 |
| Same job, client in another state | ₹10,000.00 | ₹1,800.00 | IGST ₹1,800 | ₹11,800.00 |
| ₹2,360 inclusive, 18% | ₹2,000.00 | ₹360.00 | CGST ₹180 + SGST ₹180 | ₹2,360.00 |
| ₹525 inclusive, 5% | ₹500.00 | ₹25.00 | CGST ₹12.50 + SGST ₹12.50 | ₹525.00 |
| ₹1,400 inclusive, 40% | ₹1,000.00 | ₹400.00 | CGST ₹200 + SGST ₹200 | ₹1,400.00 |
| ₹999 item, 5%, same state | ₹999.00 | ₹49.96 | CGST ₹24.98 + SGST ₹24.98 | ₹1,048.96 |
The last row is worth a second look. Each half of 5% on ₹999 is ₹24.975, which rounds up to ₹24.98, so the two halves come to ₹49.96. The same sale billed as IGST is ₹49.95. Invoices round each tax line separately, and the calculator does the same.
Why you can't knock 18% off the total
The 18% was charged on the smaller, pre-tax price. Take 18% off a ₹1,180 bill (1,180 × 0.82) and you get ₹967.60, but the real price before GST is 1,180 ÷ 1.18 = ₹1,000. The shortcut is ₹32.40 out. Inside an inclusive price, the tax is 4.76% of the total at the 5% rate, 15.25% at 18% and 28.57% at 40%.
Rates in force in November 2026
The GST Council's 56th meeting, on 3 September 2025, replaced the four slabs of 5%, 12%, 18% and 28% with two main rates and one special rate, effective 22 September 2025. A government backgrounder dated 9 October 2026 describes the structure the same way; the 57th Council meeting that month dealt with registration, refunds, returns and other process changes.
| Rate | Examples from the government's summary |
|---|---|
| Nil or exempt | UHT milk, pre-packaged paneer, Indian breads, exercise books and pencils, individual life and health insurance premiums |
| 5% | Soap, shampoo, toothpaste, bicycles, many packaged foods, spectacles, tractors, hotel rooms up to ₹7,500 a day, gyms and salons |
| 18% | The standard rate. TVs, air conditioners, dishwashers, cement, small cars and two-wheelers up to 350 cc all came down to it from 28% |
| 40% | A short list of luxury and sin goods and services, such as pan masala, tobacco, aerated drinks, high-end cars, yachts and private aircraft |
These are examples, not the full schedule. The rate for a product depends on its HSN code (SAC for services), and a few items sit outside the three slabs. If an invoice shows some other rate, choose Other and type it in. A bill dated after 22 September 2025 that still charges 12% or 28% on everyday goods deserves a question to the seller.
CGST and SGST, or IGST
A sale inside one state splits the tax in two equal halves: CGST to the Centre, SGST to the state (UTGST in union territories without their own legislature). When the buyer is in a different state, the seller charges the whole amount as IGST instead. The buyer pays the same total either way. Loan EMIs carry no GST, though processing fees do, which is one reason our guide to the true cost of a loan looks past the EMI. To share a restaurant bill that already has GST on it, the bill split calculator spreads the tax in proportion to what each person ordered.
This tool does the arithmetic only. It can't tell you which rate applies to a particular product; businesses should check the official notifications or ask a tax professional before billing.
Frequently asked questions
Why are CGST and SGST sometimes a paisa apart?
When you take GST out of an inclusive price, the tax can come to an odd number of paise, which can't be halved exactly. Taking 18% out of ₹45,000 leaves GST of ₹6,864.41, so one half is ₹3,432.21 and the other ₹3,432.20.
Is GST charged on life or health insurance premiums?
Not on individual policies. Since 22 September 2025, premiums for individual life insurance, individual health insurance and family floater plans, including senior citizen policies, are exempt.
Can a seller who isn't registered for GST charge it?
No. Only a registered business can collect GST, and its invoice should show its 15-character GSTIN. If a bill adds GST but shows no GSTIN, ask about it before paying.