Free, accurate calculators built by practising Chartered Accountants — updated for FY 2025-26. No sign-up needed.
See the real tax your home loan saves — interest, principal and the affordable-home extra — and why the new regime gives none of it.
Find the monthly SIP for your goal — and the extra you must invest because tax quietly eats into the corpus you actually keep.
Check whether you can give Form 15G or 15H to stop the bank deducting TDS on your interest — before you sign a declaration you should not.
Work out your deduction for treating a specified disease under Section 128, including the senior-citizen limit and the insurance reduction people forget.
See the tax you save on your education loan interest under Section 129, and the two limits people miss: eight years, and old regime only.
See whether a gift you received is tax-free or taxable, and why crossing the fifty-thousand line taxes the whole gift, not just the excess.
Work out the TDS to deduct on payments to a contractor, the 1% or 2% rate, and the two thresholds that trigger it.
See whether your provident fund withdrawal is tax-free or taxable, the TDS on it, and why five years of service is the line that matters.
Work out the tax on your debt mutual fund gains and see why, since April 2023, most are taxed exactly like a fixed deposit.
Value the non-cash perks your employer gives you and see the tax they quietly add to your salary.
Work out the TDS a tenant must deduct on rent, and see why an NRI landlord flips it into an entirely different regime.
Work out the tax your employer deducts each month, which regime costs you less, and how to avoid a March salary shock.
See whether forming a Hindu Undivided Family actually saves you tax, or just adds a return to file for nothing.
Compare the after-tax corpus of NPS, PPF and ELSS at retirement, and see whether NPS's extra deduction survives its forced annuity.
Compare what you actually keep after tax, not what the headline rate promises.
Work out how much of the GST your suppliers charged you actually reaches you as usable credit, and how much never will. The page runs the full waterfall: blocked categories that are denied outright, the apportionment for exempt and non-business use, the credit that depends on your supplier having filed their return, and the reversal that bites when you have not paid a supplier in time. It prices the leakage in cash, and puts a financing cost on credit sitting in a ledger you cannot spend from.
Work out what a senior or super-senior citizen actually pays under both regimes, with the higher basic exemption, the Section 153 deduction on deposit interest and the Section 126 health insurance ceiling all priced properly. It answers the question that decides the money: every one of those age benefits lives only in the old regime, and the new regime frequently wins anyway. Also quantifies the advance-tax interest a senior without business income can never be charged.
Work out which of the two rent reliefs you are entitled to — the HRA exemption if your salary includes an HRA, the Section 134 deduction if it does not — and then answer the question that actually decides the money: whether the relief is worth choosing the old regime for at all. Names the limb that binds, prices the trap that gives a well-paid tenant nothing, and computes the family-level result where the rent goes to a parent.
Work out your income under the house-property head for every property you own, under all three treatments — self-occupied, let out and deemed let out. It picks the cheapest election for you, prices the one you would have made by habit, and shows what the property beyond the permitted number is costing you in tax on rent nobody ever paid.
You have a capital gain and a choice of three shelters. This works out exactly how much you must reinvest to wipe the tax out under each route, what every rupee committed actually buys you, and what happens to the exemption if the money is still in your savings account when the return-filing due date passes.
Arrears paid in one lump sum push you into a higher slab in the year you receive them. Relief under Section 157 re-spreads them over the years they relate to — see what it is worth in rupees, and why the whole claim is lost if Form 39 is not filed before the return.
Work out how much of your gratuity and leave encashment is exempt and how much is taxable, and see how much of the lifetime ceiling you have left — because both caps are consumed once, across every employer of your career.
Presumptive under Section 58 or actual books? Add the GST threshold and the TDS your clients deduct, and see your real take-home, your advance tax instalments and the expense ratio at which the answer flips.
A lower-TDS certificate does not reduce your tax by a single rupee. It changes when you hold your own money. Work out whether that is worth the fee — and get an honest no when it is not.
When you buy property, you are the one who has to deduct the tax — and you are the one the department comes after if you get it wrong. Find out what you must deduct, and what changes completely if the seller is an NRI.
Same profit, three structures. See the total combined outgo — entity tax plus owner-level tax — per ₹100 of profit, and why how much you withdraw decides the answer.
Presumptive taxation deems your income at a fixed percentage of turnover. Books tax what you actually earned. See which is cheaper, and the exact margin at which the answer flips.
For two or three years after you return, most of your foreign income stays outside the Indian tax net. Find <b>which financial years</b> those are, the exact date the window shuts, and what a redemption made one year too late costs you.
Your payer withholds at India's domestic rate until you prove you are entitled to the treaty rate. See <b>what that proof is worth to you in rupees</b> — and where the treaty gives you nothing at all.
The fee is the small part. See the interest stacking at 2% a month, the carry-forward losses you forfeit, and the deadline that actually applies to you.
You own the company. Should you pay yourself a salary, a dividend, or leave the profit inside? Priced in rupees, per ₹100 of profit extracted.
Same bank, same money, two accounts — and a gap of lakhs. Compare the <b>after-tax</b> return on an NRE and an NRO deposit, and see exactly what returning to India does to the exemption.
Your tenant deducts tax on the <b>gross</b> rent. You are taxed on the <b>net</b> income. This calculator shows you the difference — and how much of your own money is sitting with the tax department.
Turn the CTC on your offer letter into the number that actually lands in your bank account each month — with every rupee of the gap accounted for.
Find out whether you need a tax audit this year — which threshold applies to you, whether your cash percentages earn you the ₹10 crore limit, and how much headroom is left before you cross.
Work out the interest you owe for paying advance tax late or short — Section 425 deferment interest, Section 424 default interest and late-filing interest, each shown separately.
Find out whether you actually need GST registration — the limit that applies to you, how much headroom is left, and which compulsory trigger overrides the threshold altogether.
Tax on your shares and equity mutual fund gains — including how much of the ₹1,25,000 annual exemption you have left, and what to do with it before 31 March.
Work out the tax on your house, flat or land sale — and find out whether the old 20%-with-indexation route still beats the new 12.5% flat rate for you.
Answer a few yes/no questions and get a straight verdict on the exact ITR form you must file — and the reason you were pushed out of the simpler one.
See which regime actually saves you money for FY 2025-26 — and the exact deduction figure at which the answer flips.
See exactly how much TDS the buyer must deduct on your property sale — and how much of it is money you should never have parted with.
Find out if you are an NRI, RNOR or Resident this year — and exactly how many more days you can stay in India before your status flips.
Find the exact House Rent Allowance exemption you can claim under Section 10(13A).
Estimate your advance-tax liability and the four instalment due dates for FY 2025-26 (New Regime).
Calculate the late fee and 18% interest for a delayed GSTR-3B or GSTR-1 filing.
Calculate the gratuity payable on retirement or resignation under the Payment of Gratuity Act.
Work out your presumptive income under Section 44AD (business) or 44ADA (professionals).
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