40 free calculators verified against the Income Tax Act, 1961 and Income Tax Act, 2025. No spam emails, no signups required, no hidden assumptions. Every formula transparent and explained.
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Calculate tax under both regimes with all 5 income heads — salary, business, capital gains, house property, other sources
Calculate Section 10(13A) HRA exemption with proper 3-way minimum logic. Works for metro and non-metro cities.
Break down your CTC into Basic, HRA, PF, Special Allowance, and calculate in-hand salary after tax under both regimes.
STCG / LTCG calculator for equity, mutual funds, property, gold, and crypto. Handles July 2024 LTCG rule change.
Quarterly advance tax schedule with Section 234B and 234C interest calculation. Senior citizen and 44AD/ADA exemption supported.
TDS rates for 20+ sections (192-206AA) with threshold limits. PAN/no-PAN scenarios, resident/NRI rates.
GST 2.0 ready — 4-slab structure (0/5/18/40%) effective 22 Sept 2025. Inclusive/Exclusive, CGST/SGST split.
NPS with Vatsalya for minors, 14% employer contribution limit (Apr 2026), Section 124 IT Act 2025. ₹13.7L tax-free in new regime.
15-year PPF with optional 5-year extensions, Section 80C deduction, current 7.1% rate. EEE tax-free.
Section 10(10) ₹20L exemption with Payment of Gratuity Act 1972 + IR Code 2020. Covered/non-covered formulas.
Tax-aware step-up SIP with LTCG impact, inflation-adjusted real value, and post-retirement SWP preview.
Home/Car/Personal loan EMI with Section 24(b) + 80C tax savings, prepayment impact, and full amortization schedule.
Section 47 late fee + Section 50 interest @18% calculator. GSTR-1, GSTR-3B, GSTR-9, GSTR-10. Turnover-based caps, QRMP due dates, 3-year filing bar.
Presumptive tax for doctors, lawyers, CAs, IT consultants, freelancers. ₹75L limit (95% digital), 50% deemed profit, ITR-4 filing.
Calculate break-even units, revenue, contribution margin, margin of safety, time-to-BE in days. Industry benchmarks for 8 sectors. CA-built.
Exact HUF savings with slab + surcharge differential and 87A rebate impact. Old vs new regime, Income Tax Act 2025 ready.
One-time investment growth with real post-tax returns — equity LTCG 12.5% above ₹1.25L, STCG 20%, slab for post-Apr-2023 debt funds.
Quarterly compounding, real post-tax yield, and TDS under Section 393(1) — ₹50,000 threshold, ₹1 lakh for senior citizens.
Each instalment compounded separately at quarterly rests, with post-tax returns and TDS aggregation with your FDs.
8.2% compounded annually, 15 years of deposits, 21-year maturity. EEE tax-free with Section 123 deduction.
Shows the 8.33% EPS diversion other calculators hide, monthly running-balance interest, and the Rule 9D ₹2.5 lakh taxable-interest test.
Raise your SIP each year and see the gap against a flat SIP, with equity LTCG at 12.5% applied on exit.
Monthly to annual compounding, a simple-interest comparison, and the inflation-adjusted real value in today’s money.
CAGR for a single lumpsum, XIRR for SIPs and irregular cash flows. Shows why using CAGR on a SIP overstates your return.
Inflation-adjusted expenses, 25x/30x sizing, a full drawdown model, and the monthly SIP needed to close the gap.
TCS on foreign remittances at the rates effective 1 April 2026 — 2% education and medical, 2% flat on tour packages, 20% on other LRS.
ICAI Guidance Note turnover (Revised 2026), the real 44AB audit test, speculative vs non-speculative split, and which losses survive.
Applies the Section 2(y) add-back correctly and shows the effect on PF, EPS, gratuity and take-home — including whether your take-home changes at all.
Recomputes each past year on that year’s own slabs and regime. Form 39 replaces Form 10E from Tax Year 2026-27.
The revised Rule 15 values effective 1 April 2026 — car ₹5,000/₹7,000, chauffeur ₹3,000, meals ₹200, gifts ₹15,000, plus rent-free accommodation.
Flat 30% under s.115BBH, 1% TDS under s.194S, and the rule that catches everyone — a VDA loss cannot be set off against anything, including another VDA.
What the loan actually saves you — s.24(b) interest, s.80C principal, s.80EEA, self-occupied vs let-out, joint split, and what the new regime takes away.
Resident, RNOR or Non-Resident under s.6 — including the 120-day rule for Indian income above ₹15 lakh and the s.6(1A) deemed-resident test.
The three charges that stack at 1% a month each — late filing, paying under 90%, and missing the instalment schedule — worked out separately.
Two separate ceilings, not one — ₹25,000/₹50,000 for your family and the same again for your parents, plus the ₹5,000 check-up sub-limit.
Section 54 reinvests the gain; 54F needs the whole consideration and is proportionate. Plus the ₹50 lakh bond cap, the ₹10 crore ceiling and the CGAS deadline.
Two taxable events, two bases — s.17(2)(vi) perquisite at your slab, then capital gains from the exercise-date FMV. Handles listed, unlisted and foreign shares.
6% on banking receipts against 8% on cash, the ₹2 crore / ₹3 crore ceiling driven by your cash mix, and the five-year lock-out under s.44AD(4).
The ₹50,000 aggregate is a cliff, not a deduction — cross it and the whole amount is taxable. Money, shares and property tested separately.
1% under s.194-IA above ₹50 lakh, on the higher of price and stamp value — and the s.195 rule that applies instead when the seller is an NRI.
Every calculator is built and verified by Prabhakar Kumar, a practicing Chartered Accountant (ICAI Nov 2019). Not built by random developers.
All formulas verified against the Income Tax Act, 1961 (FY 2025-26) and Income Tax Act, 2025 (Tax Year 2026-27 onwards). Updated for Budget 2026.
Calculations happen entirely in your browser. We don't collect, store, or share your financial inputs. Zero data on our servers.
Every calculator shows the breakdown — sections referenced, exact computation logic, and underlying assumptions. No black box.
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