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Tax & Investment Calculators
built by a Chartered Accountant

15 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.

15
Calculators
FY 26/27
Tax year supported
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Free, no signup
ICAI
CA verified

All Calculators

Click any calculator to start. All work without signup. Free forever.

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Income Tax Calculator

Calculate tax under both regimes with all 5 income heads — salary, business, capital gains, house property, other sources

📅 FY 2025-26 (AY 2026-27)
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HRA Exemption Calculator

Calculate Section 10(13A) HRA exemption with proper 3-way minimum logic. Works for metro and non-metro cities.

📅 FY 2025-26 (AY 2026-27)
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Salary (CTC) Calculator

Break down your CTC into Basic, HRA, PF, Special Allowance, and calculate in-hand salary after tax under both regimes.

📅 FY 2025-26 (AY 2026-27)
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Capital Gains Calculator

STCG / LTCG calculator for equity, mutual funds, property, gold, and crypto. Handles July 2024 LTCG rule change.

📅 FY 2025-26 (AY 2026-27)
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Advance Tax Calculator

Quarterly advance tax schedule with Section 234B and 234C interest calculation. Senior citizen and 44AD/ADA exemption supported.

📅 FY 2025-26 (AY 2026-27)
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TDS Calculator

TDS rates for 20+ sections (192-206AA) with threshold limits. PAN/no-PAN scenarios, resident/NRI rates.

📅 FY 2025-26 (AY 2026-27)
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GST Calculator

GST 2.0 ready — 4-slab structure (0/5/18/40%) effective 22 Sept 2025. Inclusive/Exclusive, CGST/SGST split.

📅 GST 2.0 (Sept 2025+)
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NPS Calculator

NPS with Vatsalya for minors, 14% employer contribution limit (Apr 2026), Section 124 IT Act 2025. ₹13.7L tax-free in new regime.

📅 FY 2026-27 (AY 2027-28)
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PPF Calculator

15-year PPF with optional 5-year extensions, Section 80C deduction, current 7.1% rate. EEE tax-free.

📅 FY 2026-27 (AY 2027-28)
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Gratuity Calculator

Section 10(10) ₹20L exemption with Payment of Gratuity Act 1972 + IR Code 2020. Covered/non-covered formulas.

📅 FY 2025-26 onwards
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SIP Calculator

Tax-aware step-up SIP with LTCG impact, inflation-adjusted real value, and post-retirement SWP preview.

📅 FY 2026-27 (AY 2027-28)
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EMI Calculator

Home/Car/Personal loan EMI with Section 24(b) + 80C tax savings, prepayment impact, and full amortization schedule.

📅 FY 2026-27 (AY 2027-28)
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GST Late Fee Calculator

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.

📅 FY 2026-27 (AY 2027-28)
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Section 44ADA Calculator

Presumptive tax for doctors, lawyers, CAs, IT consultants, freelancers. ₹75L limit (95% digital), 50% deemed profit, ITR-4 filing.

📅 FY 2025-26 (AY 2026-27)
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MSME Break-Even Calculator

Calculate break-even units, revenue, contribution margin, margin of safety, time-to-BE in days. Industry benchmarks for 8 sectors. CA-built.

📅 FY 2025-26
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Built by ICAI CA

Every calculator is built and verified by Prabhakar Kumar, a practicing Chartered Accountant (ICAI Nov 2019). Not built by random developers.

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Income Tax Act verified

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.

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No data collection

Calculations happen entirely in your browser. We don't collect, store, or share your financial inputs. Zero data on our servers.

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Transparent formulas

Every calculator shows the breakdown — sections referenced, exact computation logic, and underlying assumptions. No black box.

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Prabhakar Kumar
⚖️ BUILT BY ICAI CA

Prabhakar Kumar

Chartered Accountant (ICAI, Nov 2019)

Founder of VittSphere Technologies. Practicing CA serving 200+ MSME clients across Pune. 86% win-rate at AO and CIT(A) level tax appeals.

Prabhakar Kumar
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