Free Tax & Finance Calculators
Plan smarter with our free calculators — estimate income tax under the new and old regimes (FY 2025-26 & 2026-27), GST, HRA exemption, loan EMIs and SIP returns, instantly.
Estimates for individual residents. Surcharge shown without threshold marginal-relief; special-rate incomes (e.g. capital gains) may differ. Please confirm with your CA before filing.
For quick estimation only. Actual GST depends on HSN/SAC classification and place of supply.
Indicative calculation. Keep rent receipts and your landlord's PAN (if rent exceeds ₹1,00,000 a year) ready.
Interest is compounded monthly on a reducing balance. Actual EMI may vary with your lender's terms and charges.
Returns are assumed constant for illustration; actual mutual-fund returns vary and are market-linked.
New vs Old tax regime — which is right for you?
New Tax Regime (default)
The new regime under Section 115BAC offers lower slab rates and a higher basic exemption of ₹4 lakh, but allows very few deductions. For FY 2025-26 and FY 2026-27, income up to ₹12 lakh can attract nil tax thanks to the enhanced Section 87A rebate of up to ₹60,000 (₹12.75 lakh for salaried individuals after the ₹75,000 standard deduction).
- Basic exemption ₹4,00,000
- Standard deduction ₹75,000 for salaried
- Rebate up to ₹60,000 (nil tax up to ₹12L taxable)
- Best when you claim few deductions
Old Tax Regime (optional)
The old regime keeps a ₹2.5 lakh basic exemption (higher for senior citizens) but lets you claim a wide range of deductions and exemptions — 80C investments, 80D health insurance, HRA, LTA and home-loan interest. It often wins when your total deductions are substantial.
- Deductions: 80C, 80D, HRA, home-loan interest & more
- Standard deduction ₹50,000 for salaried
- Rebate up to ₹12,500 (nil tax up to ₹5L taxable)
- Best when your investments & exemptions are high
Not sure which to pick? Enter your numbers above to compare both instantly — or let CA Sandesh run a personalised comparison and optimise your overall tax position. Get in touch →
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