India Salary, Tax, EMI and Investment Calculators FY 2025-26
India-specific salary, tax, loan, EMI, savings, and investment calculators for salaried professionals, taxpayers, borrowers, and long-term savers. Find CTC, HRA, EPF, GST, SIP, FD, PPF, gratuity, and loan tools without using generic global assumptions.
47+ free calculators for Indian salaried professionals: CTC to in-hand salary, income tax old vs new regime, HRA exemption, EPF returns, GST calculator, home/car loan EMI. Updated for FY 2025-26 with ₹75K standard deduction + ₹60K rebate = ZERO tax up to ₹12L.
Which Calculator Do You Need? (FY 2025-26)
- Job offer CTC? → CTC to In-Hand Calculator (HRA, EPF, PT, tax breakup)
- Filing ITR? → Income Tax Calculator (old vs new regime comparison)
- Home loan? → Home Loan EMI Calculator (principal + interest)
- Govt employee? → 8th Pay Commission Calculator (DA, HRA, TA)
- Rent paid? → HRA Calculator (metro vs non-metro exemption)
- Retirement? → EPF Calculator + PPF Calculator
FY 2025-26 Income Tax Highlights
New Regime (Default): ₹75K standard deduction + ₹60K rebate u/s 87A = ₹0 tax up to ₹12L income
- ₹0-4L: 0%, ₹4-8L: 5%, ₹8-12L: 10%, ₹12-16L: 15%
- ₹16-20L: 20%, ₹20-24L: 25%, ₹24L+: 30% + 4% cess
- Old Regime: ₹2.5L exemption + ₹1.5L 80C = ₹4L tax-free
Use our calculators to compare old vs new regime and see exact tax savings.
Income Tax Slabs FY 2025-26 (New vs Old Regime)
| Income Slab | New Regime | Old Regime |
|---|---|---|
| 0 - ₹4L | 0% | 0% |
| ₹4L - ₹8L | 5% | 5% |
| ₹8L - ₹12L | 10% | 20% |
| ₹12L - ₹16L | 15% | 30% |
| ₹16L - ₹20L | 20% | 30% |
| ₹20L - ₹24L | 25% | 30% |
| Above ₹24L | 30% | 30% |
*New regime: ₹75K standard deduction + ₹60,000 rebate u/s 87A = ZERO tax up to ₹12L income. Old regime: ₹2.5L basic exemption, ₹1.5L u/s 80C.
→ Calculate exact tax with deductionsMost Used India Calculators 2026
| Calculator | Monthly Searches | Best For |
|---|---|---|
| Income Tax FY25-26 | 2.4M/mo | Old vs New regime |
| Salary CTC to In-Hand | 1.8M/mo | Salaried employees |
| Loan EMI Calculator | 2.4M/mo | Home/car loans |
| GST Calculator | 823K/mo | Businesses, GST 2.0 |
| SIP Calculator | 550K/mo | Mutual fund planning |
| FD Calculator | 673K/mo | Fixed deposit returns |
| PPF Calculator | 450K/mo | Tax-free savings |
| EPF Calculator | 450K/mo | Provident fund |
| HRA Calculator | 245K/mo | Tax exemption |
| 8th Pay Commission | 320K/mo | Govt employees |
💰 Salary & Pay Calculators
View all salary & pay calculators →Salary Calculator India (CTC to In-Hand)
Convert CTC to in-hand salary with monthly breakup, EPF, professional tax, HRA, TDS, and old vs new regime.
Calculate →8th Pay Commission Calculator
Government salary under 8th Pay Commission 2026. DA, HRA, TA breakdown + 7th vs 8th CPC comparison.
Calculate →HRA Calculator India
Section 10(13A) exemption, taxable HRA, rent minus 10% of basic, and metro vs non-metro rules.
Calculate →Gratuity Calculator India 2026 — Retirement Benefits & Act Rules
Act 1972 + Code on Social Security for 2026: formula, eligibility, tax. ₹20L cap. India Code links.
Calculate →EPF Calculator India
PF balance, EPF maturity, employee and employer contributions, EPS split, VPF, and yearly interest.
Calculate →Net Worth Calculator
Calculate personal net worth: assets minus liabilities. Age benchmark comparison.
Calculate →🧾 Tax Calculators
View all tax calculators →India Income Tax FY 2025-26
Old vs new regime comparison. 80C, 80D, HRA deductions. New-regime planning up to ₹12L.
Calculate →GST Calculator India
Add GST, remove GST, and reverse-calculate base price for 0%, 5%, 12%, 18%, 28%, and 40% rates.
Calculate →ESOP Tax Calculator India
ESOP perquisite + capital gains tax FY25-26. STCG vs LTCG for startup employees.
Calculate →CIBIL Score Calculator
Estimate CIBIL score 300-900. Check loan eligibility, interest rate predictions.
Calculate →Credit Card Payoff India
Pay off credit card debt in INR. Interest savings, payoff timeline, avalanche strategy.
Calculate →Gold Price Calculator
Gold value by purity (24K/22K/18K) in INR, grams, tolas. Live price reference.
Calculate →🏠 Loan & EMI Calculators
View all loan & emi calculators →Loan EMI Calculator India
Home, car, personal loan EMI in ₹. Compare SBI/HDFC/ICICI rates. Amortization schedule.
Calculate →Car Loan Calculator
Car loan EMI, total interest, loan term. Includes trade-in and total financing cost.
Calculate →Personal Loan Calculator
Personal loan EMI + repayment schedule. Compare unsecured loan offers.
Calculate →Mortgage Payoff Calculator
Extra payments save thousands on home loan. See early payoff date + interest savings.
Calculate →Loan Payoff Calculator
Pay off loan faster with extra payments. Interest saved + payoff date.
Calculate →Down Payment Calculator
Home down payment at 5%, 10%, 20%. PMI costs, loan amount, closing costs.
Calculate →📈 Investment & Retirement
View all investment & retirement →SIP Calculator India
Step-up SIP, monthly investment needed for a goal, total invested, and estimated mutual fund wealth.
Calculate →FD Calculator India
Fixed deposit maturity, interest earned, senior citizen scenarios, tax-saver FD planning, and TDS context.
Calculate →PPF Calculator India
PPF maturity, yearly contribution, interest earned, 15-year lock-in growth, extension scenarios, and 80C context.
Calculate →Mutual Fund Calculator
SIP vs lumpsum returns with CAGR, XIRR-style cash flows, expense ratio impact, and INR/USD scenarios.
Calculate →401k Calculator
401k growth 2026 with employer match, catch-up contributions. Retirement readiness.
Calculate →Pension Calculator
Retirement pension income projection. 4% rule, sustainable monthly withdrawal.
Calculate →🏗️ Real Estate & Utilities
View all real estate & utilities →Solar ROI Calculator India
Solar panel payback 2026. India + US 30% tax credit. 25-year savings report.
Calculate →Roofing Cost Calculator
Roofing cost India + US. Per-square pricing, material vs labour, permits.
Calculate →Concrete Calculator
Concrete volume for slabs, footings, columns. Cubic metres, bags, cost.
Calculate →Painting Calculator
Paint quantity for walls/ceilings. Gallons, primer, coverage area.
Calculate →Business Days Calculator India
Working days between dates, excluding weekends + Indian national holidays.
Calculate →SGPA to CGPA Calculator
Convert semester GPA to CGPA on 10-point scale. Indian university standard.
Calculate →Who Uses These India Calculators?
- • Salaried professionals comparing CTC offers
- • Taxpayers choosing old vs new regime
- • Home buyers planning loan EMI
- • Government employees checking 8th Pay Commission
- • Investors planning SIP, FD, PPF, EPF
- • Students converting CGPA for foreign universities
Built by: Senior software architect. All India tax formulas verified for FY 2025-26 (CBDT rules, RBI guidelines, Payment of Gratuity Act).
All India Calculators
Insurance Premium Calculator: Term Life, Health & Auto
Estimate term life, health, and auto insurance premiums with age, coverage, smoker status, driving record, NCB, and family-plan inputs. Educational estimates only.
India Income Tax Calculator FY 2025-26
Free India Income Tax Calculator for FY 2025-26 (AY 2026-27). Calculate tax under old and new regime, compare both regimes instantly, maximize deductions under Section 80C (₹1.5L), 80D (₹50K health insurance), 80CCD1B (₹50K NPS). Includes TDS reconciliation, senior citizen benefits, tax planning tips. Know exact tax liability, monthly TDS deduction, and which regime saves more money.
Tax Regime Comparison Tax Year 2026–27
Compare Old vs New income tax regime for Tax Year 2026–27 (FY 2026–27 earnings; ITR in 2027) with one simple salary-first layout: HRA, 80C, NPS, 80D, child education and hostel allowances, home loan interest, and new-regime standard deduction + employer NPS (80CCD(2)). Instant side-by-side tax, winner badge, chart, PDF, and share.
ESOP Tax Calculator India FY 2025-26 AY 2026-27
Free ESOP tax calculator for India FY 2025-26 AY 2026-27. Calculate ESOP perquisite tax and capital gains tax accurately. Calculate short-term vs long-term capital gains, surcharge, and cess. Perfect for startup employees in India. Get detailed breakdown of perquisite tax at exercise and capital gains tax at sale.
Solar ROI Calculator 2026: Payback, ITC & State Savings
Estimate solar payback, 25-year savings, 30% federal ITC, net metering impact, and cash vs loan returns by state. Educational homeowner planning tool.
US Mortgage Payoff Calculator
Calculate how extra monthly, biweekly, or lump-sum mortgage payments can reduce your payoff period and interest cost.
Car Loan Calculator
Calculate car loan monthly payments, total interest, and loan term. Compare auto loan rates, include trade-in value, and estimate total vehicle financing costs with taxes and fees.
RV Loan Calculator & Motorhome Payment Estimator
RV loan calculator with EMI, true monthly cost (insurance + registration), gap insurance, trade-in, and amortization. Compare lender types (credit union, bank, online, dealer, RV-specialist), see state-by-state and India regional insights, and plan Class A/B/C motorhomes, travel trailers, and fifth wheels with updated 2025 rates.
Personal Loan Calculator: EMI, APR & Payoff Schedule
Calculate personal loan EMI, APR impact, total interest, amortization, extra payments, and payoff date. Compare unsecured loans, debt consolidation, and monthly payment scenarios.
Interest Calculator 2026: Simple, Compound, APY & Loan Interest
Calculate simple interest, compound interest, APY, loan interest, recurring deposits, and savings growth with daily, monthly, quarterly, or annual compounding in INR, USD, EUR, and GBP.
Salary Calculator India 2025-26: CTC to In-Hand
Convert CTC to in-hand salary for India with monthly salary breakup, EPF, professional tax, HRA, 80C, TDS, and old vs new tax regime comparison for FY 2025-26.
8th Pay Commission Salary Calculator (India)
Illustrative 8th CPC salary model for India (central government style): compare 7th vs assumed revised basic, DA, HRA, and TA. Not official—verify figures with government notifications and your department. Adjust fitment factor and pay level for scenario planning.
HRA Calculator India 2025-26: Metro vs Non-Metro
Calculate HRA exemption under Section 10(13A), taxable HRA, rent paid minus 10% of basic, and 50% metro vs 40% non-metro salary rules for India.
Gratuity Calculator India 2026 — Retirement Benefits & Act Rules
Gratuity calculator for 2026: Payment of Gratuity Act, 1972 formula, eligibility, tax, ₹20L cap (private). Code on Social Security wage rules. Official India Code & labour.gov.in links on page.
EPF Calculator India 2025-26: PF Balance & Maturity
Calculate EPF balance, PF maturity, employee and employer contributions, EPS split, VPF, yearly interest, and retirement corpus planning for India.
Compound Interest Calculator
Calculate compound interest on investments with daily, monthly, quarterly, or annual compounding. See how your savings grow over time with interest-on-interest calculations and detailed charts.
Investment Calculator
Estimate investment growth, future value, monthly contribution impact, lump sum returns, and compound interest for long-term goals.
Stock Profit & Loss Calculator
Calculate stock profit, loss, return percentage, dividends, commissions, break-even sale price, and after-tax stock gain estimates.
Cryptocurrency Calculator
Calculate crypto investment returns, conversions, and profit/loss. Track Bitcoin, Ethereum, and altcoin portfolio value with real-time price data and trading fee calculations.
401k Calculator
Free 401k calculator 2026. Employer match, contribution limits, catch-up. See retirement readiness & 4% rule income.
GST Calculator India 2026: Add, Remove & Reverse GST
Add GST, remove GST, and reverse-calculate base price for Indian invoices using 0%, 5%, 12%, 18%, 28%, and 40% GST rates with CGST/SGST context.
SIP Calculator India: Monthly Investment Growth, Step-Up & Goal Planning
Calculate SIP maturity, monthly investment growth, step-up SIP, monthly investment needed for a goal, total invested, estimated gains, and long-term mutual fund corpus scenarios for India.
Markup Calculator
Calculate markup percentage, selling price, and profit margin from cost. Compare retail, wholesale, and ecommerce pricing scenarios.
Margin Calculator
Calculate profit margin, gross margin, and net margin percentages. Analyze business profitability with revenue, cost, and markup calculations for pricing decisions.
Loan EMI Calculator India
Calculate monthly EMI for home loans, personal loans, car loans in India (₹ INR). Get amortization schedule, prepayment insights, tax benefits under Section 80C & 24, and compare SBI, HDFC, ICICI, Axis Bank rates.
VAT Calculator
Calculate Value Added Tax (VAT) for goods and services. Add or remove VAT at standard, reduced, or zero rates for UK, EU, and international VAT calculations.
Bitcoin Calculator
Calculate Bitcoin investment value, profit/loss, and conversions to USD, EUR, INR. Track BTC holdings, mining profitability, and satoshi conversions with live prices.
Loan Payoff Calculator
Calculate when you will pay off your loan with extra payments. Estimate interest savings, payoff date, and accelerated payment schedule to become debt-free faster.
Debt Payoff Calculator
Create debt payoff plan using snowball or avalanche method. Calculate how long to pay off multiple debts, total interest saved, and optimal payment strategy for debt freedom.
Credit Card Payoff Calculator 2025 | Debt Freedom Date Calculator
Credit card debt payoff calculator 2026. Payoff date, total interest, snowball vs avalanche, balance transfer comparison.
क्रेडिट कार्ड पेऑफ़ कैलकुलेटर इंडिया | Credit Card Payoff Calculator India
भारत में क्रेडिट कार्ड ऋण का भुगतान कितने समय में होगा, यह जानें। Calculate payoff timeline in INR. ब्याज की गणना करें और तेज़ी से भुगतान करने की रणनीतियाँ देखें।
CIBIL Score Calculator India | Credit Score & Loan Eligibility Checker
Estimate CIBIL score 300-900 instantly. Loan eligibility, interest rate prediction, personalised tips to improve credit score.
Net Worth Calculator | Calculate & Track Your Personal Net Worth
Free net worth calculator to calculate your personal net worth instantly. Track assets and liabilities, compare to age benchmarks, and plan your financial future. See breakdowns by category, age comparisons, and get personalized insights.
Pension Calculator - Multi-Currency Retirement Income Planner 2025
Retirement pension income projection 2026. 4% rule, sustainable monthly withdrawal — INR, USD, EUR. India + global.
Gold Price Calculator
Calculate gold value by weight and purity (24K, 22K, 18K). Convert grams, ounces, and tolas to current market price in USD, INR, or other currencies for jewelry and investment.
Mutual Fund Calculator: SIP, Lumpsum, CAGR & XIRR
Compare SIP vs lump sum mutual fund returns with CAGR, XIRR-style cash flows, expense ratio drag, year-by-year growth, and INR/USD scenarios. Educational only.
PPF Calculator India 2026: 15-Year Maturity & Interest
Calculate PPF maturity amount, yearly deposit impact, interest earned, 15-year lock-in growth, extension scenarios, and tax-free Section 80C returns.
Commission Calculator
Calculate sales commission, percentage rates, real estate commission, affiliate payouts, tiered commissions, and estimated net earnings.
Stock ROI Calculator: Annualized Return, Dividends & Gain/Loss
Calculate stock ROI with buy price, sell price, dividends, fees, holding period, total gain/loss, capital gains, annualized return, and profit percentage in INR or USD.
FD Calculator India 2026: Maturity, Interest & TDS
Calculate fixed deposit maturity amount, interest earned, compounding impact, senior citizen scenarios, tax-saver FD planning, and TDS context for India bank FDs.
APR Calculator: True Loan Cost with Fees
Calculate APR with interest rate, loan term, origination fees, points, and upfront charges. Compare true borrowing cost for personal, auto, mortgage, and credit card debt.
SGPA to CGPA Calculator
Free SGPA to CGPA calculator for Indian students. Calculate your cumulative CGPA from semester GPAs instantly. Supports 10-point scale, shows grade interpretation, percentage equivalent, and semester-by-semester breakdown.
CGPA to GPA Converter
Free CGPA to GPA converter for Indian students applying to US/UK universities. Convert your 10-point CGPA to 4.0 GPA scale instantly. Includes university-specific conversions (MIT, Stanford, UT Austin), percentage equivalent, and grade interpretation.
Down Payment Calculator
Calculate down payment needed for home purchase at 3%, 5%, 10%, or 20%. Determine PMI costs, loan amount, and closing costs for different down payment scenarios.
Concrete Calculator
Calculate concrete needed for slabs, footings, columns, and driveways. Estimate cubic yards, bags, and cost for construction projects with concrete volume calculations.
Home Loan EMI Calculator (India)
Calculate home loan EMI, total interest, and amortization for India (₹). Compare tenure and rates, model prepayments, and see Section 24/80C context. For US loans with taxes and insurance (PITI), use the finance mortgage calculator.
Painting Calculator
Calculate paint needed for walls, ceilings, and rooms. Estimate gallons of paint, primer, and total coverage area for interior and exterior painting projects.
Roofing Cost Calculator
Roofing cost calculator for US and India with pitch multipliers, per-square pricing, material vs labor breakdown, removal, and permits.
Business Days Calculator India
Count working days between two dates excluding weekends and Indian national holidays with custom holiday support.
India Salary & Tax FAQs (FY 2025-26)
How is CTC converted to in-hand salary?
CTC minus EPF (12%), PT (₹200-750), income tax, HRA adjustment = in-hand. Use our CTC to In-Hand Calculator for exact monthly/annual breakup including old vs new tax regime.
HRA exemption metro vs non-metro (FY 2025-26)?
Metro (50% basic+DA): Delhi, Mumbai, Chennai, Kolkata. Non-metro (40%). Least of: actual rent paid, HRA received, 50%/40% basic+DA. Use our HRA Calculator.
Zero tax up to ₹12L in new regime?
Yes! FY 2025-26 new regime: ₹75K standard deduction + ₹60K rebate u/s 87A = ₹0 tax up to ₹12L income. Use Income Tax Calculator old vs new comparison.
8th Pay Commission salary increase?
Expected 30-34% hike over 7th CPC. DA merger + fitment factor 2.86. Basic pay, HRA, TA recalculated. Use our 8th Pay Commission Calculator.
EPF interest rate 2026?
8.25% p.a. (employee+employer 12% each). Tax-free up to ₹1.5L/year. Use EPF Calculator for retirement corpus projection.
GST rates India 2026?
5%, 12%, 18%, 28% (40% sin goods). Use GST Calculator to add/remove GST instantly.