Finance & Tax Tools
Made for Indian Taxpayers
Professional-grade calculators to help you plan taxes, investments, and loans — all in one place, completely free.
All Tools
Income Tax Calculator
Compute your tax liability under Old vs New regime. Includes deductions like 80C, HRA, standard deduction & surcharge for FY 2025-26.
GST Calculator
Quickly add or remove GST from any amount. Supports all GST rates — 5%, 12%, 18%, 28% — and shows CGST / SGST / IGST split.
TDS Calculator
Calculate TDS on salary, interest, rent, professional fees, contractor payments and more as per the latest TDS rates.
HRA Exemption Calculator
Find your exempt HRA amount under Section 10(13A). Just enter basic salary, actual HRA received, and rent paid to get the result instantly.
EMI Calculator
Calculate monthly EMI for home loan, car loan, or personal loan. See a full amortization breakdown of principal and interest.
PPF Calculator
Estimate your Public Provident Fund maturity amount with yearly compounding at current rate (7.1%). Plan investments over 15–50 year periods.
Capital Gains Tax Calculator
Compute STCG and LTCG tax on shares, mutual funds, and property. Includes indexation benefit for debt funds and real estate.
Advance Tax Calculator
Know exactly how much advance tax to pay and by when. Breaks down instalments for 15 June, 15 Sep, 15 Dec, and 15 March.
Section 80C Deduction Planner
Maximise your ₹1.5 lakh deduction under 80C. Add investments like PPF, ELSS, LIC, NSC, school fees and see remaining limit instantly.
Gratuity Calculator
Calculate your gratuity amount as per the Payment of Gratuity Act 1972. Instantly shows the tax-exempt and taxable portions.
SIP Returns Calculator
See how your monthly SIP grows over time with compounding. Compare different expected return rates and plan your wealth goals.
In-Hand Salary Calculator
Enter your CTC and get your exact take-home salary after PF, Professional Tax, Standard Deduction, and Income Tax deductions.
Frequently Asked Questions
Quick answers to the most common questions about Indian taxes & finance for FY 2025-26
Under Budget 2025, the new regime slabs are: Up to ₹4 lakh — Nil; ₹4–8 lakh — 5%; ₹8–12 lakh — 10%; ₹12–16 lakh — 15%; ₹16–20 lakh — 20%; ₹20–24 lakh — 25%; Above ₹24 lakh — 30%. With the ₹75,000 standard deduction, salaried individuals with CTC up to ₹12.75 lakh pay zero income tax.
To add GST: multiply the base amount by the GST rate (5%, 12%, 18%, or 28%). To remove GST: divide the inclusive amount by (1 + rate). For intra-state sales, GST splits equally into CGST (Central) and SGST (State). For inter-state sales, the full amount becomes IGST (Integrated).
TDS (Tax Deducted at Source) is deducted before payment to you. Key rates: FD interest — 10%; Contractor — 1%/2%; Professional fee — 10%; Rent — 10%. If you don’t provide PAN, Section 206AA mandates TDS at the higher of the applicable rate or 20% — not double the rate.
HRA exemption = minimum of: (1) Actual HRA received; (2) 50% of Basic+DA (metro) or 40% (non-metro); (3) Rent paid − 10% of Basic+DA. The remaining HRA above the exempt amount is added to your taxable income. Only available under the Old Tax Regime.
EMI formula: EMI = P × r × (1+r)n ÷ [(1+r)n − 1], where P = principal, r = monthly interest rate (annual rate ÷ 12 ÷ 100), n = months. Example: ₹30 lakh at 8.5% for 20 years → EMI ≈ ₹26,035/month with total interest of ₹32.48 lakh.
Equity shares / Equity MF: STCG (held <12 months) — taxed at 20%. LTCG (held >12 months) — taxed at 12.5% on gains above ₹1.25 lakh (gains up to ₹1.25 lakh are exempt). Property / Gold: LTCG (held >24 months) — taxed at 12.5% without indexation (post-Budget July 2024).
Advance tax is required if your net tax liability exceeds ₹10,000. FY 2025-26 schedule: By 15 June — 15%; By 15 Sep — 45%; By 15 Dec — 75%; By 15 March — 100%. Missing instalments attracts interest under Sec 234B/234C. Senior citizens (60+) with no business income are exempt.
Maximum deduction under 80C is ₹1,50,000/year (Old Regime only). Eligible: EPF, PPF, ELSS, LIC premium, NSC, SCSS, 5-yr Tax-Saver FD, home loan principal, children’s tuition fees (up to 2 kids). Bonus: Sec 80CCD(1B) gives an extra ₹50,000 deduction for NPS contributions.
Formula for Gratuity Act employees: Gratuity = (Last monthly salary × 15 × Years of service) ÷ 26. For non-Act employees, use 30 as divisor. Tax-exempt up to ₹20 lakh. Minimum 5 years of continuous service required. Salary here = Basic + Dearness Allowance only.
The New Regime is generally better if your total deductions (80C + HRA + home loan interest + others) are below ₹3.75 lakh. The Old Regime is better if you have substantial deductions — like HRA, home loan, 80C, 80D. Use our Income Tax Calculator to compare both regimes with your exact numbers.