Which law applies. Section numbers on this page are those of the Income-tax Act, 2025, which took effect on 1 April 2026 and governs tax year 2026-27 onwards. For earlier tax years the corresponding provisions of the Income-tax Act, 1961 (Section 32) continue to apply.
Calculators
All Financial Calculators
67 free calculators for tax, investments, loans, savings & business — updated for FY 2026–27.
Category 01
Tax & Compliance
Income Tax Calculator
Compare Old vs New Regime and find your optimal tax liability for FY 2026–27.
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GST Calculator
Add or remove GST at 5% or 18%, or the earlier 12% and 28% rates — get taxable value and tax amount instantly.
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TDS Calculator
Calculate TDS deductible on salary, rent, professional fees, and other payments.
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HRA Calculator
Calculate your HRA exemption under Schedule III (earlier Section 10(13A)) based on salary, rent and city.
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Capital Gains Tax Calculator
Compute STCG and LTCG tax on equity, debt, real estate, and gold investments.
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Surcharge & Marginal Relief Calculator
Surcharge, marginal relief and 4% cess for tax year 2026-27 under the new or old regime, with the 15% cap on gains.
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Capital Loss Set-Off Planner
Set short-term and long-term capital losses, including carried-forward losses, against gains in the order that saves most tax.
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Advance Tax Interest Calculator
Check instalments due for tax year 2026-27 and interest under sections 424 and 425 for paying late or too little.
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Updated Return Additional-Tax Calculator
Work out the 25%, 50%, 60% or 70% additional tax on an updated return, plus 10% for reassessment notices.
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Property Indexation Calculator
Compare 12.5% without indexation and 20% with indexation (CII 384) on land or buildings sold in 2026-27.
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Salary Breakdown Calculator
Decode CTC into monthly take-home — Basic, HRA, PF, gratuity, and income tax under New & Old Regime.
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EMI Calculator
Universal EMI calculator for home, car, personal & education loans — with full amortisation schedule and prepayment analysis.
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ELSS Calculator
Tax-saver mutual fund returns with 80C deduction up to ₹1.5L and 3-year lock-in.
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Tax Saving Calculator
See your total deductions (80C, 80D, HRA, NPS, home loan) and Old vs New Regime tax saved.
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Crypto Tax Calculator
Bitcoin/NFT tax under Section 115BBH — 30% flat + 4% cess + 1% TDS (Section 194S).
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Depreciation Calculator
SLM & WDV depreciation for Companies Act and Income Tax Block of Assets (Section 33).
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Category 02
Government Savings Schemes
PPF Calculator
Project your Public Provident Fund corpus over 15 years with annual contributions.
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SSY Calculator
Sukanya Samriddhi Yojana maturity calculator — plan your daughter’s future fund.
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EPF Calculator
Calculate Employee Provident Fund corpus at retirement with employer and employee contributions.
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NPS Calculator
Estimate your National Pension System corpus and monthly pension at retirement.
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FD Calculator
Calculate Fixed Deposit maturity amount with simple or compound interest options.
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RD Calculator
Project your Recurring Deposit maturity value with monthly contributions and interest.
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KVP Calculator
Kisan Vikas Patra — money doubles at 7.5% in 115 months. Sovereign-backed Post Office scheme.
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SCSS Calculator
Senior Citizen Savings Scheme — 8.2% quarterly payouts, max ₹30 lakh, 80C eligible.
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POMIS Calculator
Post Office Monthly Income Scheme — 7.4% steady monthly income for 5 years.
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Post Office PPF
PPF via India Post — same 7.1% EEE tax-free scheme as bank PPF, with wider rural access.
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Category 03
Investment & Wealth
SIP Calculator
Calculate monthly SIP returns and projected wealth with step-up option.
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Lumpsum Calculator
Project one-time mutual fund investment growth over any time horizon.
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CAGR Calculator
Calculate Compound Annual Growth Rate for any investment with start and end values.
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Real Return Calculator
Strip inflation out of a nominal return to see the actual growth in purchasing power.
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XIRR Calculator
Compute actual annualised returns on irregular cash flows — SIPs, dividends, redemptions.
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SWP Calculator
Plan Systematic Withdrawal Plan from your mutual fund corpus with monthly payouts.
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Stock Average Calculator
Average down your stock purchase price across multiple buy lots and quantities.
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FIRE Calculator
Find your Financial Independence number and target retirement age using the FIRE method.
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Retirement Calculator
Plan your retirement corpus based on current savings, expenses, and expected returns.
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Mutual Fund Returns Calculator
Calculate SIP & lumpsum returns with CAGR, absolute gains, and post-tax corpus (LTCG/STCG Budget 2024).
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Stock Return Calculator
Total return on equity investments — capital gains, dividends, STCG/LTCG tax, brokerage & net profit.
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Dividend Yield Calculator
Dividend yield %, annual & per-payment income, TDS, and post-tax effective yield on your stock holdings.
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Goal Planning Calculator
Set any financial goal — house, car, wedding — and find the exact monthly SIP needed, inflation-adjusted.
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Child Education Planning Calculator
Plan your child’s education corpus with education inflation, years to goal, and monthly SIP required.
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Future Value Calculator
See how lumpsum or recurring investments grow with compounding over time.
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Present Value Calculator
Discount future cash to today’s value — for goal planning, bond pricing, and annuities.
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NPV Calculator
Net Present Value of any project with custom cash flows, discount rate, and IRR estimate.
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SI & CI Calculator
Compare Simple Interest vs Compound Interest side-by-side. See the compounding magic in action.
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Emergency Fund Calculator
Size your contingency corpus in months of expenses, adjusted for job stability and dependants.
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Category 04
Loans & Real Estate
Home Loan EMI Calculator
Calculate EMI, total interest, and amortization schedule with prepayment analysis.
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Personal Loan Calculator
Compute personal loan EMI and total repayment cost at any interest rate.
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Vehicle Loan Calculator
Calculate car or two-wheeler loan EMI with on-road price, down payment, and tenure.
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Loan Prepayment Calculator
Find out how much interest and time you save by making lump-sum prepayments.
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LAP Calculator
Loan Against Property EMI calculator — estimate borrowing capacity and monthly outgo.
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Stamp Duty Calculator
Estimate stamp duty and registration charges for property purchase across states.
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Loan Eligibility Calculator
Find maximum eligible loan amount using FOIR method — for home, personal, car, or education loans.
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Down Payment Calculator
Plan home/vehicle down payment — see EMI impact, total interest, stamp duty, and upfront cash needed.
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Lease Calculator
Monthly lease payment for cars or equipment — with residual value, money factor, and lease vs buy comparison.
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Debt-to-Income Calculator
Check your DTI, housing ratio and FOIR against lender limits before you apply.
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Category 05
Business & Professional
Profit Margin Calculator
Calculate gross, operating, and net profit margin percentages for any business.
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Break-Even Calculator
Find the break-even point in units and revenue for your product or business.
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ROI Calculator
Measure Return on Investment percentage and annualised ROI for any project or spend.
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GST Invoice Calculator
Build GST invoices with CGST/SGST/IGST splits and get totals instantly.
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Gratuity Calculator
Calculate employee gratuity entitlement based on last drawn salary and years of service.
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Net Worth Calculator
Add up all assets and liabilities to get your current net worth snapshot.
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Compound Interest Calculator
Calculate compound interest growth with different compounding frequencies.
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IRR Calculator
Compute Internal Rate of Return on a series of cash flows for project evaluation.
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Cash Flow Calculator
Track operating, free, and net cash flow — with closing balance, burn rate, and runway analysis.
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Working Capital Calculator
Current ratio, quick ratio, cash conversion cycle, and net working capital analysis for your business.
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Payback Period Calculator
Simple & discounted payback, NPV, ROI, and profitability index for any capital investment appraisal.
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Discount Calculator
Simple, stacked, bulk, or cash discounts — with effective annual rate and GST treatment.
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