40+ practical tools for small businesses, traders, manufacturers, exporters and entrepreneurs
Running a small business often means dealing with GST, pricing, profit margins, loans, working capital, manufacturing costs, exports and banking calculations. BusinessZindagi brings these everyday tasks together in one place with free MSME business tools and calculators designed for Indian entrepreneurs, traders, manufacturers, exporters, importers and small businesses.
Compare FOB and CIF Prices Instantly — costs, responsibilities and profitability.
Free ToolUses FOB price from the FOB tab (or enter override below).
Comparison uses FOB and CIF calculations. Fill FOB and CIF tabs, then Calculate.
Reference table of typical responsibilities under FOB and CIF (Incoterms style overview).
Answer the questions, then Calculate for a recommendation.
| Activity | FOB | CIF |
|---|---|---|
| Product | Seller | Seller |
| Packing | Seller | Seller |
| Transport to port | Seller | Seller |
| Export customs | Seller | Seller |
| Loading on vessel | Seller | Seller |
| Main freight | Buyer | Seller |
| Insurance (main carriage) | Buyer | Seller |
| Import customs | Buyer | Buyer |
| Destination delivery | Buyer | Buyer |
Risk under both FOB and CIF typically transfers when goods are on board at the origin port. Always confirm the Incoterms year and named place in the contract.
Free On Board — seller delivers goods on board at the named port of shipment. Buyer arranges and pays main carriage and insurance.
Cost, Insurance and Freight — seller pays cost, minimum insurance and freight to the named destination port. Risk still transfers on loading at origin.
Buyer has better freight rates, seller wants less logistics responsibility, or buyer insists on controlling the carrier.
Buyer wants a simpler all-in price to destination port, or seller has competitive freight rates.
Free On Board — seller delivery point is on board the vessel at the origin port.
Cost, Insurance and Freight to the named destination port, paid by the seller.
No. Risk typically transfers on loading at origin.
Product + packing + inland + export clearance + loading + desired profit.
FOB price + main freight + insurance.
The buyer.
The seller (included in CIF price).
Depends on freight competitiveness and buyer preference.
Yes — many exporters offer both options.
Standard CIF is minimum cover; buyer may buy more.
No — they allocate cost and risk points.
FOB is for sea/inland waterway; FCA is often better for air.
The named place defines where cost and risk obligations apply.
Seller absorbs moves unless the contract allows adjustment.
Calling a price CIF without including proper freight and insurance.
Generally the seller under both FOB and CIF.
Letter of credit documents must match the chosen term.
Yes — it maps cost heads and responsibility differences clearly.
No — import clearance and duties remain with the buyer.
Build profit into FOB first, then add freight and insurance for CIF.
Disclaimer: This calculator provides estimated FOB and CIF prices for educational and business planning purposes only. Actual prices depend on commercial negotiations, freight rates, insurance premiums, exchange rates, Incoterms and contractual terms.
These tools are designed around practical business situations rather than complicated accounting or financial software. Use them to estimate costs, compare options, check profitability, calculate payments and plan business transactions quickly.
- Free to use
- Simple and practical
- Designed for Indian businesses
- Useful for MSMEs, traders and entrepreneurs
- No complicated software required
Frequently Asked Questions
What are MSME business tools?
MSME business tools are online calculators, generators and utilities designed to help small businesses handle common tasks such as costing, pricing, GST, loans, profitability, export calculations and banking.
Are BusinessZindagi tools free?
The BusinessZindagi MSME Business Tools page provides a growing collection of free online tools and calculators for entrepreneurs and small businesses.
Who can use these business calculators?
The tools are designed for MSMEs, traders, manufacturers, exporters, importers, retailers, entrepreneurs and other small-business users.
Do I need accounting knowledge to use the tools?
Many of the tools are designed to be simple enough for everyday business users without specialist accounting or financial knowledge.
Can exporters use BusinessZindagi tools?
Yes. BusinessZindagi includes tools for export profitability, container loading, import landed cost, Incoterms and other international-trade calculations.
Important Note
BusinessZindagi tools are provided for informational and planning purposes. Results are estimates based on the information entered by the user and should be independently verified before making important financial, tax, legal, banking or business decisions.