Financial & Tax Tools

Online Calculators

A comprehensive suite of financial, tax, and compliance calculators. Each calculator listed below is available via plugin, shortcode, or embedding — and will appear in the tool area when activated. Browse all available calculators by category.

💰 Income Tax Calculators

🧮 ITA 2025

Income Tax Calculator — ITA 2025

Compute income tax liability under the new Income Tax Act, 2025 — for both old and new tax regimes. Includes all deductions, rebates, and surcharge calculation for Tax Year 2026-27.

📊 Tax Regime

Old vs New Tax Regime Comparison

Compare your tax outgo under old regime (with deductions) vs new regime (lower slab rates) to determine which regime is more beneficial for your income profile.

📅 Advance Tax

Advance Tax Calculator

Calculate quarterly advance tax instalments — due on 15 June, 15 September, 15 December, and 15 March — with interest u/s 234B and 234C computation.

🏠 Capital Gains

Capital Gains Tax Calculator

Calculate LTCG / STCG on sale of property, shares, mutual funds. Includes indexation (CII-based), Section 54 / 54F exemption computation, and tax liability.

💼 HRA

HRA Exemption Calculator

Compute HRA exemption under Section 10(13A) — minimum of actual HRA, 50%/40% of salary, and excess rent paid over 10% of salary. City-specific rules applied.

🧾 TDS

TDS Salary Calculator (Sec. 392)

Compute monthly TDS on salary under Section 392 of ITA 2025 — with tax regime selection, deductions, perquisites, previous employer TDS, and Form 130 estimation.

🏦 EMI & Loan Calculators

🏠 Home Loan

Home Loan EMI Calculator

Calculate monthly EMI, total interest payable, and amortisation schedule for home loans. Input: loan amount, interest rate, tenure. Visualise prepayment impact.

🚗 Auto Loan

Car / Vehicle Loan EMI Calculator

EMI calculator for new or used vehicle loans — with processing fee, insurance, and road tax inclusion. Monthly breakdown with total cost of ownership.

💳 Personal Loan

Personal Loan EMI Calculator

Calculate EMI for personal, consumer, or education loans. Includes comparison at different interest rates and tenure options to find the most affordable combination.

🏭 Business Loan

Business / MSME Loan EMI Calculator

EMI and repayment schedule for business loans, working capital facilities, and MSME term loans — with reducing balance and flat rate comparison.

📊 Loan Eligibility

Loan Eligibility Calculator

Estimate maximum loan amount you are eligible for based on monthly income, existing EMIs, and bank's Fixed Obligation to Income Ratio (FOIR) norms.

⚡ Prepayment

Loan Prepayment & Foreclosure Calculator

Calculate interest savings and revised schedule on part-prepayment or full foreclosure of any loan — with penalty consideration for fixed-rate loans.

📋 GST Calculators

🧾 GST

GST Calculator (Add / Remove GST)

Add GST to base amount or extract GST from GST-inclusive price. Covers 5%, 12%, 18%, and 28% slabs. Auto-splits into CGST + SGST or IGST based on supply type.

📦 RCM

Reverse Charge (RCM) Liability Calculator

Calculate GST payable under Reverse Charge Mechanism (RCM) on specified goods and services — with applicable rate, ITC eligibility, and filing period.

💰 Interest

GST Late Payment Interest Calculator

Calculate interest @ 18% p.a. on delayed GST payment — for GSTR-3B late filing and tax short-paid scenarios. Day-wise computation from due date to actual payment.

🔄 Annual Return

GSTR-9 Reconciliation Calculator

Reconcile GSTR-1, GSTR-3B, and books of accounts for annual return (GSTR-9) — identify tax differences, ITC reversal obligations, and payable amounts.

📉 Depreciation & Investment Calculators

📉 ITA 2025

WDV Depreciation Calculator (Income Tax)

Compute block-wise WDV depreciation, 180-day rule adjustment, additional depreciation, and closing WDV — under ITA 2025 / IT Rules 2026 Appendix I rates.

📊 Companies Act

Schedule II Depreciation Calculator

Compute SLM / WDV depreciation under Companies Act 2013 Schedule II — with useful life input, shift adjustment, and year-wise depreciation schedule.

📈 SIP

SIP Returns Calculator (Mutual Fund)

Project SIP corpus with monthly investment, expected CAGR, and tenure. Compare SIP vs lump-sum investment outcomes with inflation-adjusted real returns.

🏛️ PPF / NPS

PPF / NPS Corpus Calculator

Project PPF maturity corpus over 15-year cycles with extension options. Separately compute NPS Tier-I corpus at retirement with annuity payout estimation.

💹 FD Returns

Fixed Deposit Returns Calculator

Calculate maturity amount for FDs — simple interest, compound interest (quarterly/annually), and senior citizen rate differential. Tax on FD interest included.

⚖️ ROC

ROC Fees / MCA Fees Calculator

Calculate government fees for MCA filings — authorised capital-based fees, form filing fees, DIN fees, and late filing additional fees for all ROC forms.

🧮

All Calculators — Plugin Area

All calculators listed above are available via WordPress plugins, shortcodes, or embedded tools. Each calculator will appear in this area when its respective plugin or shortcode is activated. Contact us to set up specific calculators on this page.

🏠

EMI Calculator

Home · Car · Personal loan EMI with full amortization schedule

Loan Amount

₹

Interest Rate (% p.a.)

Tenure

📅

Processing Fee

Enter as % of loan or fixed ₹ amount

Loan 1

Label

Amount (₹)

Rate (%)

Tenure (years)

Loan 2

Label

Amount (₹)

Rate (%)

Tenure (years)

Loan 3

Label

Amount (₹)

Rate (%)

Tenure (years)

📈

IRR Calculator

Internal Rate of Return — variable & fixed cash flow modes

Enter initial investment as negative (e.g. -500000) and returns as positive.

Period 0 (Initial Investment)

Period 1

Period 2

Initial Investment (₹)

₹

Annual Inflow (₹)

₹

Investment Period (years)

📅

Terminal/Salvage Value (₹)

₹

💹

NPV Calculator

Net Present Value — evaluate project viability

Discount Rate (% p.a.)

Period 0 (Initial)

Period 1

Period 2

Discount Rate (%)

Initial Investment (₹)

₹

Annual Cash Flow (₹)

₹

Number of Years

📅

Terminal Value (₹)

₹

🏛

Income Tax Calculator

All entities · All AYs · Head-wise income · Capital Gains · TDS · Computation Sheet

01 Assessee Details ▼

Name (Optional)

PAN (Optional)

Date of Birth (Optional)

Address (Optional)

Assessee Type

Residential Status

Assessment / Tax Year

Company Tax Option

Total Income / Profit (₹)

₹

02 Tax Regime

03 Head-wise Income ▼

💼 Salary / Pension Head

Gross Salary / Pension (₹) ℹInclude: Basic + DA + HRA + Special Allowances + Bonus + Commission + all perquisites. Do NOT deduct anything here — enter the full gross figure as per Form 16 Part-A or salary slip. Standard Deduction is applied automatically by the calculator.

₹

HRA Exemption — Sec 10(13A) / Sec 23 (₹) ℹHRA Exemption = LOWEST of: (1) Actual HRA received from employer, (2) 50% of Basic+DA (metro) or 40% (non-metro), (3) Actual rent paid − 10% of Basic+DA. Only applicable in Old Regime. Enter the pre-calculated exempt amount. Not available if living in own house.

₹

Old regime only — Sec 10(13A) / Sec 23

LTA — Sec 10(5) / Sec 25 (₹) ℹLeave Travel Allowance exemption for actual travel expenses within India (2 journeys in a 4-year block). Only for travel by shortest route to destination. Air travel: Economy class. Train: AC First class. Only fare exempt — hotel/food NOT covered. Old Regime only. Current block: 2022-2025.

₹

Old regime only — Sec 10(5) / Sec 25

Other Salary Exemptions (₹) ℹOther exemptions available under Old Regime: Children Education Allowance (₹100/month per child, max 2), Hostel Allowance (₹300/month), Transport Allowance for handicapped (₹3,200/month), Uniform Allowance (actual), Research Allowance (actual), Gratuity (up to ₹20L), Leave Encashment on retirement.

₹

Old regime only

Standard Deduction of ₹75,000 (New Regime) / ₹50,000 (Old Regime) — Sec 16(ia) / Sec 23 — is automatically applied. HRA, LTA & other exemptions apply under Old Regime only.

House Property — Annual Rent — Sec 22 / Sec 31 ℹEnter Annual Rent Received (or Annual Letting Value for deemed let-out property). Calculator auto-applies 30% Standard Deduction (Sec 24(a)/Sec 32). For SELF-OCCUPIED property: enter 0 here — only enter home loan interest below. For VACANT/LET-OUT: enter total annual rent received.

₹

30% Standard Deduction applied automatically

Home Loan Interest — Sec 24(b) / Sec 33 ℹSELF-OCCUPIED: Maximum ₹2,00,000 deduction (Old Regime). Loss from SOP cannot exceed ₹2L — set-off against other heads limited to ₹2L. LET-OUT: No upper limit under Old Regime (full interest deductible). Under New Regime: only ₹2L limit applies regardless of property type.

₹

Sec 24(b) / Sec 33 — ₹2L limit for self-occupied

Business / Profession Income — Sec 28 / Sec 44 ℹEnter NET profit after all business deductions (expenses, depreciation etc.). For presumptive taxation: Sec 44AD (8%/6% of turnover for business), Sec 44ADA (50% of gross receipts for professionals), Sec 44AE (transport). Enter the presumptive income directly. If books of accounts are maintained, enter net profit as per P&L.

₹

Interest Income — Other Sources ℹInclude: FD interest, recurring deposit interest, savings account interest, bonds interest, P2P lending interest, income tax refund interest. Note: 80TTA deduction (max ₹10,000) for savings account interest or 80TTB (max ₹50,000 for senior citizens) to be claimed in deductions section.

₹

Dividend Income ℹDividend from Indian companies, mutual funds (debt/equity) is now taxable in hands of shareholder at slab rate (since FY 2020-21). TDS u/s 194 at 10% if dividend exceeds ₹5,000 from a single company. Enter total dividend received during the year.

₹

Other Sources — Others ℹAny income not covered under other heads: gifts received (taxable if > ₹50,000 from non-relatives), family pension, sub-tenant rent, agricultural income (if non-agricultural state), NSS withdrawal, income from machinery given on hire etc.

₹

04 Capital Gains & Special Rate Income ▼

⚠ Capital Gains and Special Income are taxed at flat rates — not at slab rates. Rebate u/s 87A does not apply to LTCG u/s 112A or Special income. Section numbers shown as Old Act / ITA 2025.

STCG — Sec 111A / Sec 67 @20% ℹShort-Term Capital Gains on listed shares, equity mutual funds held for LESS THAN 12 months. Rate changed from 15% → 20% on 23-Jul-2024 (Budget 2024). Deduct: cost of acquisition + brokerage only. Indexed cost NOT allowed. Report in ITR-2/3.

₹

Sec 111A (FY till 2025-26) / Sec 67 (Tax Year 2026-27+) — Rate: 20%

STCG — Other Assets (Slab Rate) ℹSTCG on assets NOT covered by Sec 111A — e.g. property held < 24 months, gold held < 36 months, debt mutual funds, unlisted shares. Taxed at your normal income tax slab rate — add this to your total income.

₹

Added to GTI and taxed at applicable slab rate

LTCG — Sec 112A / Sec 67 @12.5% ℹLong-Term Capital Gains on listed equity shares / equity mutual funds held for MORE THAN 12 months. First ₹1,25,000 per year is EXEMPT (raised from ₹1L in Budget 2024). Rate changed 10% → 12.5% on 23-Jul-2024. NO indexation benefit. NO rebate u/s 87A on this income. Deduct: original cost (grandfathered at 31-Jan-2018 price if bought before that date).

₹

Sec 112A / Sec 67 — ₹1,25,000 exempt — Rate: 12.5%

LTCG — Sec 112 / Sec 67 @12.5% / 20%+index ℹLTCG on property (> 24 months), gold (> 36 months), debt MF (> 36 months), unlisted shares (> 24 months). Budget 2024: rate changed to 12.5% WITHOUT indexation for ALL assets from 23-Jul-2024. For property purchased BEFORE 23-Jul-2024: choose 20% WITH indexation OR 12.5% WITHOUT (whichever is lower). Indexation uses Cost Inflation Index (CII) published by CBDT each year — base year 2001-02=100.

₹

Claim Indexation @ 20% (pre 23-Jul-2024 purchase, Old Regime only) ℹIndexation adjusts your cost of acquisition for inflation using CBDT's Cost Inflation Index (CII). Indexed Cost = Purchase Price × (CII of Sale Year / CII of Purchase Year). CII values: 2001-02=100, 2010-11=167, 2015-16=254, 2020-21=301, 2023-24=348, 2024-25=363. Only available for assets purchased BEFORE 23-Jul-2024 under Old Regime. After 23-Jul-2024: only 12.5% without indexation.

VDA / Crypto — Sec 115BBH / Sec 158 @30% ℹVirtual Digital Assets (cryptocurrency, NFTs etc.) taxed at flat 30% + surcharge + cess. NO deductions allowed except cost of acquisition. Loss from VDA CANNOT be set off against any other income. TDS u/s 194S applies at 1% on transaction value above ₹50,000 (₹10,000 for specified persons). Report every transaction — CBDT has data from exchanges.

₹

Lottery / Puzzle Winnings — Sec 115BB / Sec 159 @30% ℹWinnings from lotteries, crossword puzzles, card games and other games of chance taxed at flat 30%. TDS u/s 194B at 30% if amount exceeds ₹10,000. NO deductions allowed against this income. Cannot be set off against losses.

₹

Online Gaming — Sec 115BBJ / Sec 160 @30% ℹNet winnings from online games (fantasy sports, rummy, gaming platforms) taxed at 30% from FY 2023-24. TDS u/s 194BA at 30% on every withdrawal and at year-end. NO threshold for TDS. Net winnings = Total withdrawals − Opening account balance − Amount deposited during year.

₹

05 Deductions & Exemptions ▼

Chapter VI-A deductions apply to Old Regime only. 80CCD(2) — Employer’s NPS contribution — is available in both regimes.

📦 Sec 80C / Sec 123 (Max ₹1,50,000)

80C / Sec 123 — LIC/PPF/ELSS/EPF/NSC (₹) ℹEligible for: Life Insurance Premium, PPF contributions, EPF employee contribution, ELSS (Equity Linked Savings Scheme) MF, NSC, 5-year tax-saving FD, SCSS, Sukanya Samriddhi, home loan principal repayment, tuition fees (2 children). Single combined limit of ₹1,50,000. Old regime only. Section renamed to Sec 123 under ITA 2025.

₹

Old regime only — Max ₹1,50,000

🏦 NPS — Sec 80CCD / Sec 126

80CCD(1B) / Sec 126 — Employee NPS (₹) ℹAdditional deduction over and above 80C limit for voluntary NPS contributions by employee. Maximum ₹50,000. Available in Old Regime only. Contributions to Tier-I NPS account only. Refer to Form 16 or NPS statement for amount.

₹

Old regime only — Max ₹50,000

80CCD(2) / Sec 126 — Employer NPS (₹) ℹEmployer's contribution to NPS on behalf of employee. AVAILABLE IN BOTH REGIMES — this is a special deduction. Limits: Government employees = 14% of (Basic + DA). Non-government employees = 10% of (Basic + DA). Total employer NPS should be visible in Form 16 Part B. This is separate from 80C limit.

₹

✅ Available in BOTH regimes — Max 14% of Basic+DA

🏥 Health Insurance

80D — Self & Family (₹)

₹

Max ₹25,000 (₹50,000 for senior citizens)

80D — Parents (₹)

₹

Max ₹25,000 (₹50,000 if parents are senior citizens)

📚 Education & Loans

80E — Education Loan Interest (₹)

₹

No upper limit

80G — Donations (₹)

₹

50%/100% as applicable

💰 Interest Deductions

80TTA — Savings Interest (₹)

₹

Max ₹10,000 — for < 60 years

80TTB — Bank Interest (₹)

₹

Max ₹50,000 — for 60+ years only

🗂 Other Deductions

Other Deductions (₹)

₹

Any other Chapter VI-A deduction

Other Exemptions (₹)

₹

Leave Encashment, Gratuity etc.

06 TDS & Advance Tax ▼

TDS from Salary — Form 16 (₹)

₹

TDS from Interest/Others — 194A etc. (₹)

₹

TDS on Lottery/Gaming/VDA (₹)

₹

Advance Tax Paid (₹)

₹

Self Assessment Tax (₹)

₹

Online Calculators

Income Tax Calculator — ITA 2025

Old vs New Tax Regime Comparison

Advance Tax Calculator

Capital Gains Tax Calculator

HRA Exemption Calculator

TDS Salary Calculator (Sec. 392)

Home Loan EMI Calculator

Car / Vehicle Loan EMI Calculator

Personal Loan EMI Calculator

Business / MSME Loan EMI Calculator

Loan Eligibility Calculator

Loan Prepayment & Foreclosure Calculator

GST Calculator (Add / Remove GST)

Reverse Charge (RCM) Liability Calculator

GST Late Payment Interest Calculator

GSTR-9 Reconciliation Calculator

WDV Depreciation Calculator (Income Tax)

Schedule II Depreciation Calculator

SIP Returns Calculator (Mutual Fund)

PPF / NPS Corpus Calculator

Fixed Deposit Returns Calculator

ROC Fees / MCA Fees Calculator

All Calculators — Plugin Area

EMI Calculator

Loan 1

Loan 2

Loan 3

Amortization Schedule

IRR Calculator

Cash Flow Analysis

NPV Calculator

NPV Breakdown

Income Tax Calculator

Online Calculators

Income Tax Calculator — ITA 2025

Old vs New Tax Regime Comparison

Advance Tax Calculator

Capital Gains Tax Calculator

HRA Exemption Calculator

TDS Salary Calculator (Sec. 392)

Home Loan EMI Calculator

Car / Vehicle Loan EMI Calculator

Personal Loan EMI Calculator

Business / MSME Loan EMI Calculator

Loan Eligibility Calculator

Loan Prepayment & Foreclosure Calculator

GST Calculator (Add / Remove GST)

Reverse Charge (RCM) Liability Calculator

GST Late Payment Interest Calculator

GSTR-9 Reconciliation Calculator

WDV Depreciation Calculator (Income Tax)

Schedule II Depreciation Calculator

SIP Returns Calculator (Mutual Fund)

PPF / NPS Corpus Calculator

Fixed Deposit Returns Calculator

ROC Fees / MCA Fees Calculator

All Calculators — Plugin Area

EMI Calculator

Loan 1

Loan 2

Loan 3

Amortization Schedule

📧 Email Results

IRR Calculator

Cash Flow Analysis

📧 Email Results

NPV Calculator

NPV Breakdown

📧 Email Results

Income Tax Calculator

📧 Email Results

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