Calculators for India

Everything here assumes Indian rules: gold rates quoted per 10 grams and 3% GST on a jewellery invoice, or the service rules for central and state government staff. The rest of GoldC's calculators are not country-specific; these deliberately are.

All are estimates built from figures you enter. None is advice, and none replaces your jeweller's invoice or what your own department or the NPS Trust tells you.

Answers: How much of my gold jewellery bill is gold, and how much is making, VA and other charges?

You need: Net weight, purity (the hallmark), the bill total and the gold rate on the bill

Works out the gold value and the 3% GST on it, then shows the rest of the bill (making charges, VA or wastage, stones and other charges) in rupees and as a percentage of the gold value.

Open Gold Bill Check →

Answers: What will a piece of gold jewellery cost, before I buy it?

You need: The jeweller's gold rate, karat, weight and making charge (a percentage, per gram or flat)

Adds making charges, wastage and GST to the gold value, using either GST treatment jewellers use, and can work backwards from a budget to the weight of gold it buys.

Open Jewelry Price →

Answers: What will my NPS corpus and monthly pension be when I retire?

You need: Date of birth, joining date, current Tier-1 balance, basic pay and DA

Compounds monthly, grows your basic pay by the increment you set in the month you set, and splits the final corpus between a lump sum and an annuity according to the rule for your retirement type. Handles voluntary retirement as well as superannuation.

Open the NPS Pension calculator →

Answers: What might my salary look like under the 8th Pay Commission?

You need: Current basic pay, your city class for HRA, and a fitment factor to test

Applies a fitment factor you choose to your current basic pay, adds HRA by city class, and estimates arrears. Because the Commission has not reported, the fitment factor is a scenario you set — not a figure anyone can confirm.

Open the 8th CPC Pay calculator →

Answers: How much lump sum do I get if I commute part of my pension, and what pension is left?

You need: Basic pension, age on your next birthday and the share to commute (no date of birth)

Uses the central government commutation table in force since 2 September 2008, with the 40% limit (50% for the armed forces), and shows when the commuted part is restored. For central government pensioners only; state pensions follow their own rules.

Open the Pension Commutation calculator →

This matters more here than anywhere else on the site, because pay-commission speculation is everywhere and very little of it is confirmed.

• Confirmed: the 8th Central Pay Commission was constituted by notification dated 3 November 2025.
• Not announced: the fitment factor, the new pay matrix and the implementation date. Any figure you have seen for these is someone's estimate.
• Sourced: the DA percentage, the government contribution share and the lump-sum/annuity split used by the NPS calculator each carry a source and the date they were last checked.
• Yours to choose: expected return, annuity rate, increment and retirement age are scenarios you set, not predictions.

Rate- and rule-dependent figures here are re-checked at least every six months, and whenever an order changes them — see the editorial policy.

NPS Pension Guide — How NPS works for government employees: contributions, tax treatment, VRS and the UPS option.

8th CPC Guide — Where the 8th Pay Commission actually stands, and how fitment factor arithmetic works.

• PFRDA and the NPS Trust — scheme rules, contribution and withdrawal norms
• Department of Expenditure — DA orders and pay rules
• Department of Pension and Pensioners' Welfare — commutation rules and the commutation table
• 8th Central Pay Commission — the Commission's own site

Spotted an error in a figure? Tell us — it will be checked against its source and corrected.

Weight and purity conversion, gold loans, gold SIP and gold return do not depend on any country's rules, so they live outside this section. Browse all gold tools →