CA-built calculators. The same ones we use internally.
Updated for FY 2025-26 against the latest Finance Act and CBIC circulars. No signup. No email gate. Just the numbers.
Income Tax — New Regime
Tax under the new regime with the standard deduction, rebate u/s 87A, surcharge and cess. Pick the financial year you're filing for.
Income Tax — Old Regime
Old regime tax with 80C / 80D / HRA / home-loan interest deductions, surcharge and cess. Pick the financial year you're filing for.
Old vs New Regime Comparison
Side-by-side computation under both regimes to find your cheaper option.
HRA Exemption Calculator
Section 10(13A) least-of-three: actual HRA, rent minus 10% of salary, and 50/40% of salary.
Advance Tax Schedule (s.211)
Computes the 15 / 45 / 75 / 100 % instalment schedule for advance tax, net of TDS already deducted.
Capital Gains — Listed Equity / Equity MF
STT-paid listed shares & equity mutual funds. STCG 20% (post 23-Jul-24), LTCG 12.5% over the ₹1.25L annual exemption.
Capital Gains — Property (Post-Budget 2024)
Long-term property gains: choose between the new 12.5% rate (no indexation) and the legacy 20% rate (with indexation).
Monthly TDS on Salary (s.192)
Estimates monthly TDS your employer should deduct under the new regime, based on annual projection.
Leave Encashment — Tax Exemption Calculator
Exemption u/s 10(10AA) on leave encashed at retirement. Govt employees: fully exempt. Private sector: least of four limits, capped at ₹25 lakh.
TDS on Rent (Section 194-IB) Calculator
Individuals/HUFs paying rent above ₹50,000/month must deduct TDS at 2% (with PAN) once a year in the last month. Compute the deduction here.
Income from House Property
Compute taxable income (or loss) from a self-occupied or let-out property after 30% standard deduction and home-loan interest.
Capital Gains Exemption — 54 / 54F / 54EC
Plan your LTCG reinvestment under s.54 (house→house), 54F (other LTA→house), or 54EC (bonds) to minimise the 12.5% tax.
TDS on Property Sale (s.194-IA)
1% TDS by the buyer on sale of immovable property where consideration is ₹50L or more — with 20% rate for missing PAN and NRI s.195 carve-out.
HUF vs Individual — Tax Split Comparison
Model how diverting non-salary income (rent, business, capital gains) to a HUF can lower household tax via a separate basic exemption + slab.
Section 80D — Health Insurance Deduction
Compute your 80D deduction for self, family and parents — with senior-citizen ₹50k caps and the ₹5k preventive check-up bucket.
Section 80G — Donations Deduction
Compute your 80G deduction across the four donation buckets, including the 10% of adjusted GTI qualifying limit.
GST Inclusive / Exclusive Calculator
Add GST on top of a base amount, or extract GST out of a tax-inclusive price.
CGST / SGST / IGST Split
Splits GST into CGST + SGST for intra-state supply, or IGST for inter-state supply.
GST Late Fee & Interest
Late fee (₹50/day, ₹20/day NIL) and 18% p.a. interest on delayed GSTR-3B filing.
ITC Reversal — Rule 42
Reverses common input tax credit attributable to exempt supplies (D1 = E ÷ F × C2).
Composition Scheme vs Regular GST
Compares composition tax (1%/5%/6%) against regular GST output to see which scheme is cheaper.
GSTR-3B vs 2B Reconciliation
Compare ITC claimed in GSTR-3B against auto-populated 2B and flag excess or shortfall before filing.
GST Reverse Charge (RCM)
Check if a supply attracts reverse charge, compute the self-invoice GST, and confirm ITC eligibility.
TDS — Section 194 Rates
TDS rate, threshold and tax to deduct under 194C / J / I / H / Q. Doubled if PAN missing.
CTC → In-Hand Salary Breakup
Splits CTC into basic, HRA, special, PF, gratuity and computes in-hand monthly (new regime).
Gratuity Calculator (Payment of Gratuity Act)
15/26 × last drawn (basic + DA) × completed years. Capped at ₹20 lakh under the Act.
Presumptive Income — 44AD / 44ADA
Presumed taxable income at 8% (cash) / 6% (digital) for 44AD, 50% for 44ADA professionals.
Working Capital Cycle (DSO + DIO − DPO)
Days sales outstanding + days inventory outstanding − days payable outstanding = cash conversion cycle.
Loan EMI Calculator
Equated Monthly Instalment for any loan — home, car or personal — with total interest outflow.
SIP Future Value Calculator
Project the future value of a Systematic Investment Plan in mutual funds.
Lumpsum Investment Calculator
Future value of a one-time investment with annual compounding.
PPF Maturity Calculator
Public Provident Fund maturity projection at the current 7.1% interest rate (annually compounded).
NPS Corpus & Pension Calculator
Project National Pension System corpus at retirement, lump-sum withdrawal and monthly pension from annuity.
FD / RD Maturity Calculator
Fixed Deposit or Recurring Deposit maturity with quarterly compounding (as per bank convention).
Home Loan Eligibility Calculator
Estimate the maximum home loan you'd qualify for based on income, existing EMIs and FOIR.
Retirement Corpus Calculator
Inflation-adjusted retirement corpus target and the monthly SIP required to reach it.
EPF Withdrawal — Tax Calculator
Withdraw EPF before 5 years of continuous service and it becomes taxable. Compute the tax impact and net cash in hand.
Post-tax SIP / Lumpsum Returns
What you actually keep after LTCG tax and inflation — the real return on a SIP or lumpsum investment.
NPS Withdrawal Tax Calculator
At-60 withdrawal: 60% lumpsum (fully tax-free), 40% mandatory annuity (pension taxed at slab). Model your post-tax take-home.
Rent vs Buy — Home
Should you buy or keep renting? Models EMI, appreciation, and the opportunity cost of investing your down payment instead.
NRI Residential Status Calculator
Section 6 day-count test to determine Resident / RNOR / Non-Resident status for income tax — including the ₹15L / 120-day rule.
DTAA / Foreign Tax Credit Calculator
Relief under section 90/91 — lower of foreign tax paid or Indian tax attributable to doubly-taxed income.
LRS — TCS on Foreign Remittance
Tax Collected at Source u/s 206C(1G) on LRS remittances for FY 2025-26 — by purpose, with the ₹10L threshold.
NRO vs NRE Account Tax Calculator
Net interest yield comparison — NRE is tax-free for NRIs; NRO interest attracts TDS @ 30% plus 4% cess.
NRI Property Sale — Capital Gains & TDS (s.195)
Post-Budget 2024 LTCG @ 12.5% (no indexation) or STCG at slab; TDS u/s 195 on sale consideration with surcharge & cess.
Forex Gain / Loss (AS 11 / Ind AS 21)
Revaluation of foreign-currency monetary items between transaction date and settlement / reporting date.
When the number isn't enough.
TDS thresholds, treaty benefits, exempt income, advance-tax timing — the edge cases are where penalties live. Talk to a CA before you act.
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