KaroDesk
Understand, plan and manage your money.
Set a monthly budget, track every expense by category, and see exactly where your money goes, all in one clean dashboard. No spreadsheets, no sign-up, works anywhere in the world.
- Free to use
- Works worldwide
- 35+ currencies
- No credit card required
See your money, at a glance
Here's what a month looks like once it's tracked. Set your own income and categories in a couple of minutes.
March 2026 · Sample budget
Example numbers for illustration — not live or real data.
- Monthly income
- $0
- Total expenses
- $0
- Saved this month
- $0
Why use KaroDesk to budget?
Built to feel like a tool you'd actually want to open every month, not another spreadsheet.
Track spending as it happens
Log an expense in seconds and watch your categories update instantly, no waiting for a monthly statement.
See where your money actually goes
A clear breakdown by category instead of a wall of transactions, so patterns are obvious at a glance.
Plan a budget that fits your life
Set spending amounts per category based on your own income and habits, not a one-size-fits-all template.
Set spending limits that stick
Every category shows a progress bar, so you notice you're close to a limit before you go over it.
Monitor your savings
Savings gets treated as its own category, so setting money aside is part of the plan, not an afterthought.
One simple tool, not ten spreadsheets
Income, categories, expenses and a dashboard together in one place, with nothing to configure first.
A simple system you'll actually keep using
Every month follows the same five-step loop, so it never feels like starting over.
- 1
Plan
Set your income and split it into categories that match how you actually spend.
- 2
Track
Log expenses as they happen and watch each category fill up in real time.
- 3
Understand
See a health score and plain-language insights on where your money is really going.
- 4
Improve
Adjust categories and spending based on what actually happened, not guesswork.
- 5
Review
Get a monthly recap and start next month with categories carried over automatically.
What do you want to do?
Skip browsing 24 tools. Start from what you're trying to get done.
Tools that work together
KaroDesk's tools aren't isolated. A result from one calculator carries straight into the next step, or into a quote or invoice.
Pricing workflow
Set a price, then turn it straight into a quote for your client.
Business planning workflow
Find your break-even point, check the margin, then judge if it's worth it.
Salary workflow
Work out a salary, its income tax, then what actually lands in-hand.
Popular tools
Free calculators and generators for invoicing, tax, pricing and everyday business maths.
More tools for your money
The Budget Tracker is the flagship, but every calculator below is still free and fully available: tax, pricing, finance, payroll and billing, grouped by what they help you do.
GST & Tax
Add or remove GST, split CGST/SGST/IGST and work out TDS on payments.
5 toolsView toolsPricing & Profit
Price your products, check margin vs markup and find your break-even point.
7 toolsView toolsFinance
EMIs, loan eligibility, returns and monthly cash flow in plain numbers.
4 toolsView toolsSalary & HR
Turn CTC into in-hand pay, check deductions and calculate overtime.
5 toolsView toolsBilling & Documents
Create GST invoices and quotations you can download, print or share.
3 toolsView toolsImage & File Tools
Resize images for the web, social posts and documents, right in your browser.
1 toolView toolsEverything your business needs, in one workspace
A free account brings your clients, invoices and business details together. The calculators stay free to use without one.
Dashboard
A single view of your invoices, customers and recent activity. See where your business stands at a glance.
Sign in to viewCustomer management
Save client details once and reuse them across every invoice and quote, no retyping the same information.
Sign in to viewInvoicing & quotes
Professional GST invoices for India, or multi-currency invoices and quotes for clients anywhere else.
Use toolBusiness profile
Keep your logo, tax details and payment information ready to drop into every document you send.
Sign in to viewBusiness calculators
21 free calculators for tax, pricing, payroll and finance decisions, no account needed to use them.
Use toolGuides & blog
Plain-English guides on tax, pricing and invoicing to help you make confident business decisions.
Use toolCreate professional invoices in minutes.
Fill in your business, customer and line items. KaroDesk handles the tax split, round-off, amount in words and payment QR, then hands you a clean A4 PDF.
- GST and IGST handled automatically
- HSN / SAC codes on every line item
- CGST + SGST split for intra-state supply
- UPI QR code for faster payment
- One-tap A4 PDF download and print
- Customer management with saved details
Billing clients outside India? Try the Free Invoice Generator with 35 currencies and custom VAT, GST or sales tax.
Why businesses choose KaroDesk
Built for modern businesses
From GST slabs and CGST/SGST/IGST splits to multi-currency invoices for clients anywhere in the world.
Simple and fast
Open a tool and type. Results update instantly, no setup, no onboarding, no waiting.
Accurate, tax-ready numbers
Deterministic formulas rounded to two decimals: GST, VAT or sales tax, matching how you bill and file.
Everything in one place
21 calculators plus invoicing, customers and business history under one clean workspace.
Built for people who run their own business
Freelancers, consultants, independent professionals, agencies and remote teams use KaroDesk to keep client work and business numbers organized without extra admin.
Freelancers
Send professional invoices, keep client details on hand and price your work with confidence, no spreadsheets required.
Consultants
Quote retainers, bill in your client's currency and keep track of who owes what, without extra admin overhead.
Agencies
Manage multiple clients, standardize invoices across the team, and keep every business number consistent.
Small businesses
Price products, calculate tax and run the everyday numbers, without hiring an accountant for every question.
How it works
- 1
Create your free account
Sign up in seconds, no credit card, and every calculator works without one anyway.
- 2
Add your business details
Set up your business profile and save your first customer once, reuse them everywhere.
- 3
Invoice, calculate and track
Send invoices, run the numbers you need, and see it all from your dashboard.
Built for freelancers, consultants and small businesses worldwide
Used by freelancers, shops, consultants and small businesses around the world, from a first-time founder sending their first invoice to an agency billing clients in another currency.
- No sign-up needed to try any calculator or the Budget Tracker
- Calculations run in your browser, not on our servers
- Track a budget without a single spreadsheet formula
- Invoices follow standard GST, VAT or sales-tax invoice structure
Frequently asked questions
Ready to run your business from one place?
Create your free account to manage clients and invoices, or start with any of the free business tools, no credit card, no commitment.
All tools
GST & Tax
India GST Calculator
Add or remove GST at 0%, 5%, 18% or the 40% special rate with CGST, SGST and IGST split.
Use toolGST Reverse Calculator
Work backwards from a GST-inclusive price to the taxable value and tax amount.
Use toolIGST Calculator
Calculate IGST on inter-state supplies and exports at any GST slab.
Use toolPricing & Profit
Profit Calculator
Work out revenue, total cost, profit, margin and markup for any order quantity.
Use toolMargin & Markup Calculator
Compare margin vs markup and find the selling price for a target margin.
Use toolMarkup Calculator
Add a markup percentage on cost price to get your selling price and profit.
Use toolFinance
ROI Calculator
Measure return on investment and the annualised return over a holding period.
Use toolEMI Calculator
Monthly EMI, total interest and total payable for any loan amount and tenure.
Use toolLoan Calculator
Find the loan amount your monthly EMI budget can comfortably service.
Use toolSalary & HR
India Salary Calculator
Convert monthly gross salary into net pay after PF, professional tax and TDS.
Use toolIndia CTC Calculator
Break an annual CTC into gross salary, employer PF, gratuity and in-hand pay.
Use toolIndia Income Tax Calculator
Calculate income tax for FY 2025-26 under the new and old regime with slabs, rebate and cess.
Use toolBilling & Documents
Invoice Generator
Create a GST invoice with CGST, SGST, IGST and HSN codes, then download the PDF.
Use toolFree Invoice Generator
Create a professional invoice for clients anywhere in the world — 35 currencies, custom VAT/GST/sales tax, PDF download and print.
Use toolInternational Quote Generator
Create a professional quote or estimate for clients anywhere in the world — 35 currencies, custom VAT/GST/sales tax, a valid-until date, PDF download and print. Convert to an invoice once accepted.
Use tool