GST Calculator
Add or remove GST at the current rates (5%, 18% or 40% after GST 2.0, plus 3% for gold and silver). See the GST amount, CGST/SGST split and the net or gross value instantly.
Adding GST: the default result
The calculator opens with ₹1,000 at 18%, set to "exclusive". It adds GST of ₹180, split as CGST ₹90 and SGST ₹90, for a total of ₹1,180.
The "Amount is" setting decides everything. Choose exclusive when your figure is the price before tax: a quotation, a cost price or the taxable value on a purchase order. Choose inclusive when tax is already inside the figure: a retail price, a hotel bill or the final amount a customer paid. Picking the wrong one is the most common reason a GST figure is off.
Worked examples at 5%, 18% and 40%
| Case | Enter | Taxable value | GST | Total |
|---|---|---|---|---|
| Hotel room up to ₹7,500 a night, bill includes tax | ₹4,200, 5%, inclusive | ₹4,000 | ₹200 | ₹4,200 |
| Service invoice, price includes tax | ₹5,900, 18%, inclusive | ₹5,000 | ₹900 | ₹5,900 |
| Car above the small-car limits, price before tax | ₹10,00,000, 40%, exclusive | ₹10,00,000 | ₹4,00,000 | ₹14,00,000 |
The 18% row shows the classic error. Taking 18% of ₹5,900 gives ₹1,062, which overstates the tax by ₹162. Tax inside an inclusive price has to be backed out by dividing by 1.18, which is what inclusive mode does. In the 40% case, a sale within the same state shows CGST ₹2,00,000 plus SGST ₹2,00,000.
CGST and SGST, or IGST
The result always shows a 50:50 CGST and SGST split, which is right for an intra-state supply, where the supplier and the place of supply are in the same state. In a Union Territory without a legislature, read SGST as UTGST.
For an inter-state supply, including imports and supplies to an SEZ, the whole amount is IGST. Use the "GST" line as your IGST figure and ignore the split. The rate does not change: 5% is 2.5% + 2.5% or 5% IGST, 18% is 9% + 9% or 18% IGST, and 40% is 20% + 20% or 40% IGST.
GST 2.0 in brief
From 22 September 2025, the 12% and 28% slabs were removed. Most goods and services now sit at 5% or 18%, with 40% for a short list of luxury and sin goods. Some examples:
| Item | Before | Now |
|---|---|---|
| Hotel room up to ₹7,500 a night | 12% | 5% (without input tax credit) |
| Gyms, salons and beauty services | 18% | 5% (without input tax credit) |
| Individual life and health insurance | Taxed | Exempt |
| UHT milk, paneer, Indian breads | Taxed | Nil |
| Cars above the small-car limits | 28% | 40% |
| Cigarettes and pan masala | Old rate plus compensation cess | 40% from 1 February 2026 |
The calculator also offers 3% for gold and silver and 0.25% for rough diamonds and stones, rates reported to be unchanged by GST 2.0.
Invoicing mistakes to check before you send
- Wrong tax type: CGST and SGST on a sale to another state, or IGST on a local sale.
- Tax on tax: adding GST to a figure that already includes it.
- Old rates: price lists and invoice templates still set to 12% or 28%.
- Missing particulars: the HSN or SAC code, the rate and amount for each tax shown separately, the buyer's GSTIN if registered, and the place of supply with the state name for inter-state sales.
Rates here are as of October 2026. Confirm the rate for your item's HSN or SAC code before you invoice.
How to use this tool
- 1Enter your figures in the fields above.
- 2Results update instantly as you type.
- 3Adjust the inputs to compare different scenarios.
Frequently asked questions
Are 12% and 28% GST rates still applicable?+
No. Both slabs were removed from 22 September 2025. Most items moved from 12% to 5% and from 28% to 18%, while a short list moved to 40%. Tobacco products kept their old rate plus compensation cess until 1 February 2026, when they also moved to 40%, with bidis at 18%.
How do I calculate IGST with this calculator?+
Enter the amount and rate as usual and read the GST line as IGST. For a ₹25,000 service billed at 18% to a client in another state, IGST is ₹4,500 and the invoice total is ₹29,500. The CGST and SGST rows apply only when buyer and seller are in the same state.
What is the turnover limit for GST registration?+
Registration is required once aggregate turnover crosses ₹40 lakh for suppliers of goods only, in states that adopted the higher limit, and ₹20 lakh for suppliers of services or both. Lower limits apply in certain special-category states, so check your state's figure.
Is GST charged on health insurance premiums now?+
Not on individual policies. Since 22 September 2025, all individual life and health insurance policies are exempt from GST, so the premium on a new or renewed individual policy should carry no GST line.
Guides & deep dives
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