India Calculators
Seventeen calculators built around Indian rules rather than generic formulas: GST at the post-September-2025 slabs, income tax under both regimes for FY 2025-26 (AY 2026-27), HRA exemption under Section 10(13A), CTC to in-hand pay, and the statutory savings products — EPF, NPS, PPF, FD, RD and gratuity.
GST Calculator (India)
Add or remove GST (5%, 12%, 18%, 28%) on any amount, with CGST/SGST split — in your browser.
Private · in-browserIncome Tax Calculator India (Old vs New Regime)
Compare income tax under the old and new regimes for FY 2025-26 with rebate and cess.
Private · in-browserEMI Calculator (India)
Calculate loan EMI in ₹ with total interest and amortization — home, car or personal loans.
Private · in-browserSIP Calculator (India)
Project mutual fund SIP returns in ₹ for a monthly investment and expected return.
Private · in-browserLumpsum Investment Calculator
Estimate the future value of a one-time lumpsum investment in ₹.
Private · in-browserFD Calculator (Fixed Deposit)
Calculate fixed deposit maturity and interest with quarterly compounding.
Private · in-browserRD Calculator (Recurring Deposit)
Calculate recurring deposit maturity from a monthly deposit and rate.
Private · in-browserPPF Calculator
Project your Public Provident Fund maturity over 15+ years at the current rate.
Private · in-browserNPS Calculator
Estimate your National Pension System corpus at retirement from monthly contributions.
Private · in-browserHRA Exemption Calculator
Calculate your House Rent Allowance exemption under Section 10(13A).
Private · in-browserGratuity Calculator
Estimate gratuity payable from last drawn salary and years of service.
Private · in-browserEPF Calculator
Project your Employees’ Provident Fund corpus with salary growth and interest.
Private · in-browserCapital Gains Tax Calculator (LTCG/STCG)
Estimate short- and long-term capital gains tax on equity and other assets.
Private · in-browserTDS Calculator
Calculate Tax Deducted at Source on a payment at a given rate.
Private · in-browserSalary CTC to In-Hand Calculator
Estimate your monthly in-hand salary from annual CTC after PF, tax and professional tax.
Private · in-browserHome Loan Eligibility Calculator
Estimate the home loan amount you’re eligible for based on income and obligations.
Private · in-browserStamp Duty Calculator
Estimate stamp duty and registration charges on a property purchase.
Private · in-browserWhich calculator do I need?
- Salary — CTC to in-hand works annual cost-to-company down to a monthly credit after PF, income tax and professional tax. HRA exemption applies the three-way minimum under Section 10(13A), and EPF and gratuity value the statutory pieces of your package.
- Tax — income tax computes both regimes side by side, GST adds or extracts tax with the CGST and SGST split, capital gains covers LTCG and STCG, and TDS works out a deduction at a section rate.
- Saving and investing — PPF, NPS, FD and RD for fixed-return products, plus SIP and lumpsum for market-linked projections in ₹.
- Property and borrowing — EMI, home loan eligibility and stamp duty with registration charges.
Which rules and which year these model
Income tax follows FY 2025-26 (AY 2026-27). In the new regime that means nil up to ₹4 lakh, then 5% to 25% bands up to ₹24 lakh and 30% above it, a ₹75,000 standard deduction, and a Section 87A rebate that clears tax up to ₹12 lakh of taxable income with marginal relief just beyond. The old regime keeps its 5%, 20% and 30% slabs with a ₹50,000 standard deduction and a ₹5 lakh rebate. Both add 4% health and education cess; surcharge on high incomes is not modeled. Budget 2026 left these slabs unchanged for FY 2026-27, so the same figures still apply. Old versus new regime walks through the choice.
GST presets reflect GST 2.0, effective 22 September 2025: 5% and 18% now cover most supplies, a 40% demerit rate applies to items such as tobacco, sugary aerated drinks and luxury vehicles, and 12% and 28% survive only for reconciling pre-change invoices and credit notes — see GST slabs explained. Capital gains use the framework introduced in July 2024 as it stands for FY 2025-26.
Further reading
HRA exemption in practice, CTC versus take-home salary, PPF versus EPF versus NPS, SIP versus lumpsum and FD versus RD.
Every figure here is an estimate for planning. Verify against incometax.gov.in, the GST portal or your bank statement before filing or committing money, and take a chartered accountant’s view on anything material.
Frequently asked questions
- Which financial year do the tax calculators use?
- FY 2025-26, assessment year 2026-27 — the slabs introduced by Budget 2025 and left unchanged by Budget 2026 for FY 2026-27. That means the same numbers apply to both years. Capital gains follow the framework introduced in July 2024, and GST presets follow GST 2.0 from 22 September 2025.
- Old regime or new regime — which one should I pick?
- The calculator computes both and marks which costs less on your numbers, which is the only reliable way to decide. As a rough guide, the new regime wins for people with few deductions, while the old regime can still win if you claim a large HRA exemption, 80C investments and a home loan interest deduction together.
- Why is my actual in-hand salary different from the CTC calculator figure?
- The tool assumes a typical structure — a basic share of CTC, employer and employee PF at statutory rates, and ₹2,400 annual professional tax. Real offer letters vary in basic pay, allowances, gratuity provisioning, insurance premiums and state professional tax, and your TDS depends on the declarations you file. Read it as a close estimate.
- Now that 12% and 28% are gone, which GST rate applies?
- For new supplies, most goods and services sit at 5% or 18%, with a 40% demerit rate on items such as pan masala, tobacco, aerated sugary drinks, luxury cars and betting, and several essentials at nil. The 12% and 28% presets remain in the tool because you still need them to reconcile invoices raised before 22 September 2025.
- Does the TDS calculator know the threshold for my section?
- No — it applies the rate you enter to the full amount. In reality each section deducts only above a threshold, and Budget 2025 raised many of them. Check the current limit for your section first; if the payee has not furnished a PAN, Section 206AA can force 20% instead of the normal rate.