Tax Tools
Fourteen tools for Tax Year 2026-27: salary and tax regimes, capital gains, TDS, GST, HRA, gratuity, advance tax, loans and investments, plus a due-date calendar.
Old vs New Regime: Tax Year 2026-27
For resident individuals. Move the slider or type your figures; results update instantly.
Employer NPS or family pension? (applies to both regimes)
Deductions (old regime only)
The new regime does not allow these. The standard deduction is applied automatically to both.
New regime
Old regime
Indicative calculation for resident individuals with income taxed at normal rates. It does not cover special-rate income such as capital gains, or marginal relief on surcharge. Rebate and marginal relief near ₹12 lakh are included. Please consult a Chartered Accountant before choosing a regime.
CTC to in-hand salary
What you actually take home each month from your CTC, under both tax regimes, with West Bengal professional tax.
Old regime deductions (optional)
New regime
Old regime
| Per month | New | Old |
|---|
Indicative, for a resident individual below 60 with salary as the only income. Professional tax uses the West Bengal schedule in force from 1 October 2026 (nil up to ₹20,000 a month, then ₹100 to ₹208). Bonuses, allowances and employer NPS are not separated out.
1961 Act ↔ 2025 Act section finder
Type an old section number to find its new home, or switch direction. You can also search by topic.
Covers the sections most used in practice. Some old sections are now split across, or merged into, several new ones; always read the new provision itself before relying on it.
TDS rate finder: Section 393
Rates and thresholds for Tax Year 2026-27. The old 194 series is now a single table in Section 393. Pick a payment to work out the TDS.
Covers common payments to residents. Rates and thresholds as set by the Finance Act 2025, unchanged for Tax Year 2026-27. Special cases (lower-deduction certificates, non-residents, insurance commission and others) are not covered.
House rent allowance exemption
For the old tax regime. From 1 April 2026, eight cities qualify for the 50% limit: Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad.
HRA exemption
Taxable HRA
| The exemption is the least of |
|---|
The new tax regime does not allow HRA exemption. Rent above ₹1 lakh a year needs the landlord's PAN.
Advance tax instalment planner
Enter your estimated tax for the year to see how much to pay by each due date.
Capital gains tax: property and shares
For property bought before 23 July 2024, see both options side by side: 12.5% without indexation or 20% with indexation. Resident individuals and HUFs pay the lower.
Bought before 1 April 2001? Enter the fair market value on that date as the purchase cost.
Indicative. Holding period: over 24 months for property and most assets, over 12 months for listed shares and equity funds. For property, the sale price used is generally not less than the stamp duty value. Improvement cost is indexed from the purchase year here. Exemptions for reinvestment (new house, specified bonds) and the 31 January 2018 grandfathering for shares are not applied. Cost inflation index for 2026-27: 384.
Gratuity and leave encashment
The amount and the tax-free portion on leaving a job or retiring: gratuity up to ₹20 lakh and leave encashment up to ₹25 lakh for non-government employees.
Gratuity
| Formula amount | |
| Tax-free | |
| Taxable |
Leave encashment
| Tax-free amount is the least of |
|---|
| Tax-free | |
| Taxable |
Indicative, for retirement or resignation (Section 19 of the 2025 Act, earlier Sections 10(10) and 10(10AA)). Salary means basic plus DA (and commission linked to turnover). Leave entitlement is capped at 30 days for each year of service. The ₹20 lakh and ₹25 lakh limits are lifetime limits, reduced by any exemption claimed earlier.
GST calculator
Add GST to a price or take it out of an inclusive price, with the CGST/SGST or IGST split. Rates after GST 2.0 (from 22 September 2025).
| Value before GST | |
| GST |
Same amount at every rate
| Rate | Value | GST | Total |
|---|
Check the rate for your goods or service in the GST rate notifications. Making charges on jewellery are taxed separately at 5%.
GST late fee and interest
For late GSTR-3B and GSTR-1 returns, with the late-fee caps based on turnover.
| Days late | |
| Late fee | |
| Interest at 18% a year |
Late fee at ₹50 a day (₹20 for nil returns), capped at ₹500 for nil returns and ₹2,000, ₹5,000 or ₹10,000 by turnover. Waivers notified by the government are not reflected.
EMI calculator with tax benefit
Your monthly instalment, total interest, a year-by-year schedule, and how much you can claim as a deduction.
Total interest
Total payment
Year-by-year schedule
| Year | Principal | Interest | Balance |
|---|
Indicative, at a fixed rate. Deductions apply to a self-occupied house under the old regime: interest up to ₹2 lakh a year (Section 22 of the 2025 Act, earlier Section 24(b)) and principal within the ₹1.5 lakh limit (Section 123, earlier 80C).
Step-up SIP calculator with tax on redemption
Increase your SIP each year as your income grows, and compare it with a flat SIP. Also see what you keep after tax if it is an equity-oriented fund redeemed at the end.
Returns are not guaranteed. Past returns do not indicate future returns.
You invest
Estimated gains
Invested vs estimated gains
| Estimated tax if redeemed at the end | |
| Value after tax |
Year-by-year growth
| Year | Monthly SIP | Total invested | Value |
|---|
Indicative, for equity-oriented funds held by a resident individual: long-term gains taxed at 12.5% above ₹1.25 lakh a year (Section 198, earlier 112A), short-term at 20%. Ignores surcharge, the rebate and other income. Not investment advice.
SWP calculator with inflation-linked step-up
Plan a monthly income from your savings that rises each year with inflation. See how long it lasts and what it is worth in today’s money.
Total withdrawn
Left at the end
Final-year withdrawal
Year-by-year schedule
| Year | Monthly | Withdrawn | Returns | Balance |
|---|
Indicative, at a steady return with withdrawals at the end of each month. Actual returns vary, especially in equity funds. Tax applies only to the gain portion of each withdrawal, as capital gains. Not investment advice.
Due dates in the next 90 days
Regular monthly and quarterly due dates. Countdowns update automatically.
General due dates only. The government often extends due dates by notification, and some taxpayers (such as quarterly GST filers) have different dates. Annual returns and audits are not listed. Always check the official portals.