Four free practical tools

Professional Decision Tools

Practical tools for GST classification and property decisions—designed to turn complex inputs into clear, reviewable working papers.

No login · Transparent assumptions · Editable results

New flagship GST tool

AI HSN/SAC Finder for GSTR-1

Search one product or service in plain language—or process an Excel, CSV or pasted item master in bulk. Receive likely codes, GST rates, UQC, alternative classifications and professional comments before exporting an editable working paper.

Open the HSN/SAC Finder

Property planning suite

Buying, selling and document decisions.

Buying a home

Home Buyer Complete Cost Planner

Estimate the full funds required—not just the builder or seller quotation. All calculations remain on your device.

1. Property type

Under constructionGST may applyCompleted newPurchased from promoterResale propertyPurchased from owner

2. Property values

Agreement value

Price excluding separately stated GST and charges entered below.Stamp-duty / jantri value

Use the value adopted or assessable for stamp purposes.Other taxable builder charges

Parking, clubhouse or similar consideration stated separately.Seller’s residential statusResidential status—not citizenship or address alone.

3. GST classification

Affordable-housing city testCarpet-area ceiling: 90 sq. metres.RERA carpet area

Square metres—not super built-up area.

4. Government charges

Stamp-duty rate

Editable illustrative Gujarat default; confirm on GARVI.Registration-fee rate

Editable; concession or exemption may apply in some cases.

5. Other acquisition costs

Brokerage

Legal / professional fees

Loan processing / valuation

Maintenance / utility deposits

Immediate interiors / fit-out

Other one-time costs

Expected home-loan amount

Used only to estimate your own-funds requirement.

Results update automatically

Your preliminary budget

Under-construction home

Law checked · 27 Jul 2026

Complete acquisition cost₹94,27,700Property, estimated taxes, fees and costs entered.

Own funds required₹44,27,700Complete cost less expected home loan.

Estimated GST₹3,87,5005% on entered consideration, without ITC.

Agreement + builder charges₹77,50,000

GST₹3,87,500

Stamp duty₹3,82,200

Registration fee₹78,000

Other costs entered₹8,30,000

Property TDS allocation₹78,000

Threshold base₹78,00,000

Estimated TDS₹78,000

Additional purchase cost?No

Before fixing your final budget

Confirm duty on GARVI.Rates, concessions, registration fee and valuation can depend on document and purchaser facts.
Reconcile every quotation line.Clubhouse, parking, maintenance, electricity, floor-rise and deposits should be mapped to agreement, GST and funding.
Keep TDS inside the payment allocation.TDS is generally deducted from the amount payable; it is not added again as a separate acquisition cost.

Review my purchase budget

Official basis

Current law, visible assumptions.

Each output is a preliminary planning estimate. Editable duty rates, exclusions and law-verification dates are shown so the visitor can understand what the result does—and does not—cover.

Income Tax DepartmentCapital-gain guidance ↗Income Tax DepartmentCost Inflation Index ↗Income-tax Act, 2025Section 82 residential reinvestment ↗Income-tax Act, 2025Section 85 specified bonds ↗Income Tax DepartmentForm 141 official FAQs ↗Government of GujaratGARVI valuation and fee portal ↗

Why this suite is different

Practical outputs before a property decision.

Complete buying cost

Property value, GST, duty, registration, loan costs, deposits, interiors and the estimated own-funds requirement.

Capital-gain comparison

Preliminary 12.5% versus eligible indexed 20% comparison, with Section 82 and Section 85 planning.

Custom documents

A focused checklist for under-construction, completed-new or resale property, including loan and NRI-specific checks.

Private by design

No login, name, PAN or document upload. Calculations and checklist selections remain on the visitor’s device.