Tax Calculators & Tools
Free online calculators for income tax, GST, TDS, and financial planning
Old vs New Regime Calculator
Compare your tax liability under both regimes. Enter income, deductions (80C, 80D, HRA) and instantly see which regime saves more.
HRA Exemption Calculator
Find out how much House Rent Allowance is exempt under Section 10(13A) based on your salary, rent paid, and city of residence.
Advance Tax Calculator
Calculate quarterly advance tax instalments due on 15 Jun, 15 Sep, 15 Dec, and 15 Mar. Shows cumulative % and amount per quarter.
Tax Slab Rates Reference
Quick reference for income tax slab rates under Old & New regimes for all age groups — FY 2025-26.
Income Tax Calculator — Old vs New Regime
Compare your tax liability under both regimes for FY 2025-26. For resident individuals only.
Disclaimer: This calculator is for resident individuals only and provides an estimate. It does not account for special rate income (capital gains, lottery, etc.), Section 115BAC opt-out, or non-resident status. Consult a tax professional for exact computation.
Tax Comparison — FY 2025-26
| Component | Old Regime | New Regime |
|---|
HRA Exemption Calculator — Section 10(13A)
Calculate HRA exemption for salaried employees. Old regime only.
HRA Exemption Breakdown
Advance Tax Instalment Calculator
Calculate quarterly advance tax instalments. Required if total tax liability exceeds ₹10,000.
Quarterly Instalments — FY 2025-26
| Due Date | Cumulative % | Cumulative Amount | Instalment |
|---|
Interest u/s 234B applies if advance tax paid < 90% of total liability. Interest u/s 234C applies for shortfall in any quarter instalment.
Income Tax Slab Rates — FY 2025-26 (AY 2026-27)
Quick reference for all income tax slab rates. Surcharge & cess apply above the slab tax.
New Tax Regime (Default)
| Income Range | Tax Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction: ₹75,000 (salaried). Section 87A rebate: ₹60,000 (taxable income up to ₹12L). Surcharge capped at 25%.
Old Tax Regime — Below 60 years
| Income Range | Tax Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Senior (60-80): basic exemption ₹3L. Super Senior (80+): basic exemption ₹5L. Standard deduction: ₹50,000. Section 87A rebate: ₹12,500 (taxable income up to ₹5L). Surcharge up to 37%.
GST Calculator
Calculate GST-inclusive or GST-exclusive amounts. Supports all rates — 5%, 12%, 18%, 28%, and 40% (Compensation Cess).
GST Rate Reference
Quick reference for all 5 GST slab rates with categories and examples of goods & services.
Reverse Charge Calculator
Calculate GST payable under reverse charge mechanism (RCM) for specified goods and services under Section 9(3) & 9(4).
GST Calculator
Calculate GST-inclusive or GST-exclusive amounts for any GST rate.
GST Breakdown
GST Rate Reference — FY 2025-26
5 active GST slab rates with categories of goods & services.
| Rate | Category | Examples |
|---|---|---|
| 5% | Essential goods & services | Sugar, tea, edible oils, transport, small restaurants |
| 12% | Select goods | Processed foods, hotels ₹1K-7.5K, mobile phones, frozen meat |
| 18% | Standard rate | Most goods & services, IT services, financial services, restaurants in hotels >₹7.5K |
| 28% | Luxury / demerit goods | Cars, cement, ACs, paint, consumer durables, hotels >₹7.5K room |
| Compensation Cess | Sin goods — levied ON TOP of 28% GST | Tobacco, pan masala, aerated drinks. Cess rates vary by product (e.g. 12% on aerated drinks, up to 290% on certain tobacco). Not a standalone GST slab. |
Intra-state: split equally as CGST + SGST. Inter-state: charged as IGST. For exact HSN/SAC rates, search on GST Portal HSN/SAC Search.
Reverse Charge (RCM) Calculator
Calculate GST payable under reverse charge mechanism. The recipient pays GST instead of the supplier.
RCM GST Payable
RCM GST paid is eligible for Input Tax Credit (ITC) in the same month. Common RCM services: legal, GTA (goods transport), security, manpower supply, sponsorship.
TDS Rate Chart
Section-wise TDS rates for FY 2025-26 with thresholds, PAN/non-PAN rates, and higher TDS under 206AB. Searchable reference table.
TDS Calculator
Calculate TDS on contracts (194C), rent (194I), professional fees (194J), and other payments.
Interest Calculator (234A/B/C)
Calculate interest on late filing (234A), shortfall in advance tax (234B), and deferment of advance tax (234C).
TDS Rate Chart — FY 2025-26
Section-wise TDS rates for individuals, HUF, firms & companies. Rates applicable for FY 2025-26 (AY 2026-27).
| Section | Nature of Payment | Threshold (₹) | TDS Rate | No PAN Rate |
|---|
Rates are for resident individuals/HUF. Surcharge & cess apply where payment exceeds ₹50L in a year. Higher TDS under 206AB applies for non-filers.
TDS Calculator
Calculate TDS deductible on a single payment. Only sections with simple per-payment thresholds are listed. For sections with annual, monthly, or category-specific thresholds, refer to the TDS Rate Chart.
TDS Deduction
This checks the single-payment threshold only. Some sections (194A, 194I, 194C) have annual aggregate thresholds — TDS applies once total payments in the year cross the limit. Senior citizen thresholds (194A) and specified/other category thresholds (194S) are not differentiated here. Consult a tax professional for complex cases.
Interest Calculator — Section 234A / 234B / 234C
Calculate interest on late filing, shortfall in advance tax, and deferment of advance tax. All at 1% per month.
Interest Payable
EMI Calculator
Calculate monthly EMI for home loans, car loans, and personal loans. See total interest payable and amortisation schedule.
SIP Calculator
Estimate returns on Systematic Investment Plan (SIP) in mutual funds. Compare monthly SIP with projected wealth growth.
FD Interest Calculator
Calculate maturity amount and interest earned on Fixed Deposits with quarterly compounding and TDS deduction.
PPF Calculator
Estimate returns on Public Provident Fund over 15 years. Tax-free maturity under Section 80C with current rate of 7.1%.
EMI Calculator
Calculate monthly EMI for home, car, or personal loans using the standard reducing balance formula.
Loan Summary
SIP Calculator
Estimate future value of monthly SIP investments using compound interest formula.
SIP Summary
FD Interest Calculator
Calculate maturity amount on Fixed Deposits with quarterly compounding.
FD Maturity Summary
TDS @ 10% deducted if interest exceeds ₹40,000/year (₹50,000 for seniors). Submit Form 15G/15H to avoid TDS if total income is below taxable limit.
PPF Calculator
Estimate returns on Public Provident Fund. 15-year lock-in, tax-free maturity, Section 80C deduction.
PPF Summary
PPF enjoys EEE (Exempt-Exempt-Exempt) status — deposits u/s 80C, interest, and maturity are all tax-free. Rate revised quarterly by GoI.
Important Links for Tax Professionals & Taxpayers
Quick access to government portals and professional resources