Money paperwork, done in your browser
Invoices, rent receipts and salary slips. PDFs and photos sized for loan and KYC uploads. Calculators that show the full cost, not just the EMI.
Popular: GST InvoiceInvoiceRent ReceiptSalary SlipUPI QR CodeMerge PDFJPG to PDF
Fewer forms rejected, fewer surprises in the fine print
Portals reject a PAN photo that's 4 KB too big. Lenders quote an EMI and leave out the fee. MyCapitalverse fixes the small things that hold up a loan file, a tax claim or a client invoice, for free, on your own device.
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Your files stay with you
PDF, photo and document tools run inside your browser. Bank statements and ID scans are never sent anywhere.
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Tools, no sign-up
Every tool works on the first visit, on a phone or a laptop, with no account and no watermark.
Full cost
Numbers you can check
Loan tools add fees and GST; tax tools apply the current slabs. Each page states its formula.
Invoices & receipts
All 14Fill the form, check the live preview, then print or save it as a PDF. Everything is built in your browser — your business and customer details are never sent to us.
- GST Invoice GeneratorMake a GST tax invoice with HSN codes, CGST/SGST or IGST worked out from the place of supply, amount in words, and a PDF download.
- Invoice GeneratorFree invoice maker for freelancers and small businesses: any currency, tax line, logo, bank details and a clean PDF. No sign-up.
- Proforma Invoice GeneratorCreate a proforma invoice for advance payment or a buyer's approval, with GST shown, bank details and a PDF.
- Quotation GeneratorMake a professional price quotation with line items, GST or no tax, validity date and terms, then download it as a PDF.
- Purchase Order GeneratorCreate a purchase order for a vendor with items, delivery date, ship-to address and GST, ready to print or save as PDF.
- Delivery Challan GeneratorMake a GST delivery challan for job work, supply on approval or branch transfer, with vehicle details and a PDF.
- Credit Note GeneratorIssue a GST credit note for returned goods, post-sale discounts or excess billing, linked to the original invoice, as a PDF.
- Bill of Supply GeneratorMake a bill of supply for composition dealers and exempt goods: no GST charged, required declaration printed, PDF ready.
- Rent Receipt GeneratorMonthly rent receipts for HRA claims: landlord PAN, tenant, address and amount, one receipt per month for the whole year, as a PDF.
PDF tools
All 10Built for the paperwork that money runs on: bank statements, salary slips, ITR acknowledgements and KYC scans. Files are processed on your device and are never uploaded.
- Merge PDFCombine bank statements, salary slips or scans into one PDF, in the order you choose. Private: files never leave your device.
- Split PDFSplit a PDF into single pages or page ranges, such as one statement month per file. Runs in your browser, nothing uploaded.
- Extract PDF PagesPick the pages you need from a PDF and save them as a new file, like page 1 of an ITR or the summary page of a statement.
- Delete PDF PagesRemove blank, duplicate or private pages from a PDF before you upload or email it. Free and fully in your browser.
- Rotate PDFFix sideways or upside-down scanned pages: rotate every page or just the ones you pick, then save the PDF.
- JPG to PDFTurn photos of documents into one PDF, one image per page, on A4 or fitted to the image. Works on phones, nothing uploaded.
- PDF to JPGConvert PDF pages to JPG or PNG images at the resolution you choose, for forms that only accept images.
- Compress PDFShrink a scanned PDF under an upload limit like 1 MB, 500 KB or 200 KB, by re-rendering pages at a lower quality, in your browser.
- Add Page Numbers to PDFNumber the pages of a PDF, as 'Page 1 of 12' or just '1', at the bottom or top, before you print or file it.
Image & photo tools
All 7Government and bank portals reject uploads that are a few KB too big. These tools hit exact sizes and dimensions on your device, with no upload and no watermark.
- Compress Image to KBReduce a photo or signature to an exact size like 20 KB, 50 KB or 100 KB for government, bank and exam portals.
- Image ResizerResize an image to exact pixels or centimetres at a chosen DPI, keep or ignore the aspect ratio, and download JPG or PNG.
- Crop ImageCrop a photo freely or to a fixed ratio like 1:1, 3.5:4.5 passport or 4:3, then download. Works on phone screens.
- Image ConverterConvert images between JPG, PNG and WebP: PNG to JPG for portals, JPG to PNG, WebP to JPG. In your browser.
- Signature MakerDraw your signature with a finger or mouse, or clean up a photo of one, and download a transparent PNG or a small JPG.
- PAN Card Photo & Signature ResizerResize your photo and signature to PAN application specs: 3.5 × 2.5 cm photo and 2 × 4.5 cm signature at 200 DPI, under 50 KB.
- Passport Size Photo MakerCrop a photo to passport size (35 × 45 mm or 2 × 2 inch) and get a print sheet of 6, 8 or 12 copies for 4 × 6 photo paper.
Validators & converters
All 4Small checks that catch typos before they reach an invoice, a cheque or a tax form. They run instantly and offline once the page has loaded.
- GSTIN ValidatorCheck whether a GST number is correctly formed: state code, embedded PAN, entity type and the checksum character.
- PAN Format CheckerCheck a PAN's format and see what its 4th character says about the holder: individual, company, HUF, firm or trust.
- Amount in Words ConverterWrite any amount in words for cheques and invoices: Indian system (lakh, crore) with paise, and the international system.
- GST State Code ListAll GST state and union territory codes (01–38, 97, 99) used as the first two digits of a GSTIN, searchable.
Loan calculators
All 30Every calculator shows the total you repay, not just the EMI, and the schedule tools let you download the month-by-month table.
- Personal Loan EMI CalculatorPersonal loan EMI with the processing fee and 18% GST added, so you see the total you repay and the real cost per year.
- Car Loan EMI CalculatorCar loan EMI from the on-road price and down payment, with total interest and what the car really costs you.
- Two-Wheeler Loan EMI CalculatorBike or scooter loan EMI from the on-road price, down payment, rate and tenure, with total interest.
- Education Loan EMI CalculatorEducation loan EMI after the moratorium, with the interest that builds up during the course and the Section 80E deduction.
- Business Loan EMI CalculatorBusiness loan EMI, total interest and processing fee with GST, plus the effective annual cost lenders don't show upfront.
- Gold Loan CalculatorHow much loan your gold jewellery can raise: gold value by purity, the maximum loan at your LTV and the interest you'll pay.
- Loan Against Property CalculatorMaximum loan against your house or shop from its market value and LTV, with EMI and total interest.
- Loan Prepayment CalculatorHow much interest a part-prepayment saves, and whether to cut the EMI or the tenure. Works for home, car and personal loans.
- Loan Comparison CalculatorCompare two loan offers by EMI, total interest, fees and total cost to see which is cheaper over the full tenure.
Investment & savings
All 26Government scheme rates are pre-filled from the latest quarterly notification and stay editable. Market returns are your assumption — we show what changes when you move them.
- FD CalculatorFixed deposit maturity with quarterly compounding: interest earned, effective yield and the tax you may owe on it.
- RD CalculatorRecurring deposit maturity from a fixed monthly deposit: total invested, interest earned and effective yield.
- PPF CalculatorPublic Provident Fund maturity for 15 years and extensions at the current notified rate, with yearly balances.
- Financial Health ScoreScore your finances out of 100 across emergency fund, debt, savings rate, insurance and investments, with the biggest gaps first.
- SIP CalculatorMutual fund SIP returns: what a monthly investment can grow to at your expected return, with amount invested and gains.
- Step-Up SIP CalculatorSIP returns when you raise your monthly investment every year: final corpus, total invested and the gain from stepping up.
- Lumpsum CalculatorFuture value of a one-time investment in a mutual fund or any asset at an expected annual return.
- SIP vs Lumpsum CalculatorCompare investing a sum all at once against spreading it as a monthly SIP over the same period.
- Goal SIP CalculatorMonthly SIP needed to reach a goal like a child's education or a house, adjusted for inflation.
Tax & salary
All 10Calculators follow the current Income Tax rules for resident individuals. Each one states the rule it applies so you can check it against your own case.
- Income Tax CalculatorIncome tax for FY 2026-27 under the old and new regime side by side, with the standard deduction, 87A rebate and cess.
- In-Hand Salary CalculatorConvert CTC to monthly in-hand salary after PF, professional tax and income tax, with the full deduction breakdown.
- HRA Exemption CalculatorHow much of your House Rent Allowance is tax-free under Section 10(13A), and how much is taxable, for metro and non-metro cities.
- Capital Gains Tax CalculatorTax on selling shares, equity mutual funds, property or gold: short or long term, the ₹1.25 lakh exemption, and cess.
- Advance Tax CalculatorAdvance tax instalments due on 15 June, 15 September, 15 December and 15 March from your estimated tax for the year.
- Gratuity CalculatorGratuity payable on leaving a job, using the Payment of Gratuity Act formula, with the ₹20 lakh tax-free limit.
- Leave Encashment CalculatorLeave encashment amount on resignation or retirement and the tax-free portion up to ₹25 lakh for private employees.
- 80C Tax Saving CalculatorTax you save under Section 80C from ELSS, PPF, EPF, life insurance and home loan principal, up to ₹1.5 lakh.
- Presumptive Tax Calculator (44AD / 44ADA)Presumptive income and tax for small businesses (44AD at 6% or 8%) and professionals (44ADA at 50%) under the new regime.
Business & GST
All 24Numbers a small business owner needs before pricing, borrowing or chasing a late payment.
- GST CalculatorAdd or remove GST at any rate, with the CGST + SGST split for same-state sales and IGST for inter-state.
- Working Capital CalculatorEstimate your working capital gap from receivable days, inventory days and payable days.
- TReDS Invoice Discounting CalculatorWhat you receive upfront when discounting an invoice on TReDS: discount charge, platform fee, net advance and annualised cost.
- Business Startup Cost CalculatorTotal money needed to start a small business in India: setup capital, monthly running cost, break-even and a cash buffer.
- Business Stress-Test SimulatorRevenue down 10%, costs up 15%, rates up 2%: see what happens to profit, EMI cover and cash runway, side by side.
- MSME Loan Readiness ScoreScore how ready your business is for a loan across registration, compliance, banking, credit and documentation, with what to fix first.
- Government Scheme Finder for MSMEsMatch your business profile against MUDRA, PMEGP, CGTMSE, Stand-Up India and state schemes, with links to official portals.
- Quick Scheme FilterFilter central MSME schemes by purpose, business type and state in one screen: MUDRA, PMEGP, CGTMSE, Stand-Up India.
- Profit Margin CalculatorProfit, gross margin and markup from cost and selling price, so you price correctly and never confuse margin with markup.