India Financial Calculators FY 2025-26

📈 SIP Calculator

See how your monthly SIP grows. Regular, step-up, and LTCG tax impact.

💳 EMI Calculator

Monthly EMI for any loan. Prepayment savings and offer comparison.

📋 Income Tax Calculator FY 2025-26

Old vs new regime comparison. Find which saves you more tax.

🏠 HRA Calculator

Calculate HRA exemption under Section 10(13A). Metro vs non-metro rules.

🏦 Gratuity Calculator

Estimate gratuity after 5+ years of service. Tax exemption up to ₹25 lakh.

🔒 PPF Calculator

15-year PPF maturity projection. Monthly vs annual deposit comparison.

📊 NPS Calculator

Project your NPS corpus and pension. Tax benefits under 80CCD.

🧾 GST Calculator

Add or remove GST at 5%, 12%, 18%, or 28%. CGST/SGST/IGST split.

🏡 Home Loan EMI Calculator

Home loan EMI with Section 24(b) and 80C tax benefit analysis.

💰 FD Calculator

Fixed deposit maturity with TDS. Compare FD vs PPF vs debt mutual funds.

💼 Salary Calculator

CTC to in-hand breakdown. HRA, PF, gratuity, and new vs old regime tax.

📑 TDS Calculator

TDS on salary, rent, property, FD interest. Section-wise rates and thresholds.

🏛️ EPF Calculator

PF balance projection with employer match. EPS pension and taxable interest.

📊 Lumpsum Calculator

One-time mutual fund investment growth. LTCG/STCG tax and XIRR tracking.

👧 Sukanya Samriddhi Calculator

SSY maturity at 8.2% rate. 21-year projection with 80C tax benefit.

🚗 Car Loan EMI Calculator

Car loan EMI with down payment, insurance, and prepayment analysis.

🎓 Education Loan Calculator

Education loan EMI with moratorium period. Section 80E tax deduction.

🏠 Stamp Duty Calculator

Stamp duty and registration charges by state. Women buyer concessions.

📋 Professional Tax Calculator

State-wise professional tax slabs. Maharashtra, Karnataka, WB, and more.

🏖️ Retirement Calculator

Retirement corpus needed with inflation. EPF, NPS, PPF, and pension planning.

💸 SWP Calculator

Systematic withdrawal from mutual funds. How long will your corpus last?

🛡️ ELSS Calculator

Tax-saving mutual fund returns. Section 80C benefit with 3-year lock-in.

👴 Atal Pension Calculator

APY contribution chart by age. Guaranteed ₹1,000–₹5,000/month pension.

🪙 Gold Loan Calculator

Loan on gold jewellery. 75% LTV, bank vs NBFC rate comparison.

📈 Capital Gains Tax Calculator

LTCG/STCG on property, shares, MF, gold. Section 54/54EC exemptions.

🏦 RD Calculator

Recurring deposit maturity with quarterly compounding. RD vs SIP comparison.

💳 Personal Loan EMI Calculator

Personal loan EMI by CIBIL score tier. Balance transfer savings.

🧾 Rent Receipt Calculator

Generate rent receipts for HRA claim. Landlord PAN check included.

🏢 Business Loan EMI Calculator

MSME and Mudra loan EMI. Shishu/Kishore/Tarun comparison.

📊 Inflation Calculator

Future cost of living in India. Medical, education, and general inflation.

📈 Mutual Fund Returns Calculator

Calculate CAGR and XIRR on your mutual fund investments. Beat benchmark check.

👴 SCSS Calculator

Senior Citizen Savings Scheme returns at 8.2%. Quarterly payout and tax analysis.

🛡️ Section 80C Calculator

Plan ₹1.5 lakh tax saving. Compare PPF, ELSS, NSC, and more instruments.

📮 Post Office MIS Calculator

Monthly income from Post Office MIS at 7.4%. Joint account and combo strategies.

📊 CAGR Calculator

Compound Annual Growth Rate for any investment. Compare multiple investments.

⚖️ Flat vs Reducing Rate Calculator

Compare flat and reducing balance EMI. Expose hidden costs in dealer finance.

📋 Leave Encashment Calculator

Tax on leave encashment. ₹25L exemption for private, fully exempt for govt.

🏛️ DA Calculator

Dearness Allowance for 7th Pay Commission. Full salary breakdown and DA history.

🏠 Loan Against Property Calculator

LAP eligibility, EMI, and tax benefit check. Compare LAP vs personal loan.

🔢 Simple Interest Calculator

Simple interest calculation. SI vs compound interest and gold loan interest.

📅 Advance Tax Calculator

Quarterly advance tax schedule. 234B/234C interest and ₹10K threshold check.

📈 NIFTY 50 Returns Calculator

Historical NIFTY 50 returns. SIP and lumpsum with CAGR and XIRR.

🏥 Section 80D Calculator

Health insurance premium tax benefit. Self + parents deduction up to ₹1 lakh.

🏗️ Real Estate Calculator

Property ROI, true buying cost, and rent vs buy break-even analysis.

💰 Dividend Yield Calculator

Dividend yield and tax on stock dividends. Dividend vs growth option comparison.

🛡️ LIC Premium Calculator

Life cover needed, term vs endowment comparison, and 80C/10(10D) tax rules.

🏍️ Two-Wheeler Loan Calculator

Bike and scooter loan EMI. On-road cost breakdown and cash vs loan analysis.

📊 Salary Hike Calculator

CTC to in-hand after increment. See your effective hike after tax and PF.

🎂 Age Calculator

Exact age in years, months, days. Government job eligibility by exam and category.

📊 Brokerage Calculator

Stock trading charges — brokerage, STT, GST, stamp duty. Delivery, intraday, F&O.

🏠 Home Loan Prepayment Calculator

Prepay vs invest analysis. Interest saved, tenure reduction, optimal plan.

📋 TCS Calculator

TCS on foreign remittance (LRS), car purchase, study abroad. FY 2025-26 rates.

💳 Credit Card EMI Calculator

Convert to EMI vs minimum payment trap. No-Cost EMI reality check.

📊 Cost Inflation Index Calculator

Indexed cost for capital gains. Old vs new LTCG rule. Full CII table.

🏛️ NPS vs OPS Calculator

NPS vs Old Pension vs UPS comparison. Break-even analysis for govt employees.

🔄 Loan Balance Transfer Calculator

Save by switching lender. Break-even months, top-up option, transfer verdict.

💍 Marriage Budget Calculator

Wedding cost planner by city. Per-plate cost and savings plan.

💱 Forex Calculator

INR to USD/EUR/GBP converter. Compare bank, forex card, and cash rates.

⚡ Electric Vehicle Calculator

EV vs petrol TCO. Charging cost, break-even point, PM E-DRIVE subsidy.

📝 Monthly Budget Calculator

50/30/20 budget for India. Savings tracker and financial health score.

🏠 Home Loan Eligibility Calculator

Check max loan based on salary, FOIR, co-applicant, and property affordability.

🥇 Gold Investment Calculator

Compare SGB vs ETF vs physical gold. Returns, tax, and portfolio allocation.

₿ Crypto Tax Calculator

Section 115BBH: 30% flat tax on crypto. No set-off, 1% TDS, vs equity comparison.

🏥 Health Insurance Calculator

Cover needed, premium estimate by age, and Section 80D tax saving.

🎓 Child Education Calculator

Future education cost with 10% inflation. Monthly SIP for IIT, IIM, study abroad.

🔄 STP Calculator

Systematic Transfer Plan from debt to equity. STP vs SIP vs lumpsum comparison.

🏗️ TDS on Property Calculator

Section 194IA: 1% TDS on property above ₹50L. Joint purchase and penalty calculator.

🔍 EMI to Rate Calculator

Find hidden interest rate in your EMI. No-cost EMI reality check.

💰 Net Worth Calculator

Track total wealth. Assets vs liabilities, benchmark by age, allocation check.

🏘️ Rental Income Tax Calculator

Section 24 deductions on rental income. 30% standard deduction, unlimited loan interest.

🏦 EPF Withdrawal Calculator

Check EPF withdrawal eligibility, tax on early withdrawal, and opportunity cost of withdrawing vs staying invested.

📊 XIRR Calculator

True return on SIP, mutual funds, and real estate with irregular cash flows.

⚡ Electricity Bill Calculator

State-wise electricity tariff slabs. Delhi, Maharashtra, Karnataka, Tamil Nadu, UP, Gujarat.

🎯 Goal SIP Calculator

How much SIP per month to reach your target. Step-up SIP and inflation-adjusted goals.

🛡️ Emergency Fund Calculator

How much emergency fund you need. Parking strategy across savings, FD, and liquid funds.

💻 Freelancer Tax Calculator

Section 44ADA presumptive tax for freelancers. GST + TDS reconciliation and regular books comparison.

🎁 Gift Tax Calculator

Is your gift taxable? Section 56(2)(x) rules, relative exemptions, and property undervalue check.

🚗 Car Insurance Calculator

Estimate car insurance premium. IDV, third-party, own damage, NCB discount, and GST.

📝 Rent Agreement Calculator

Stamp duty on rental agreement by state. Maharashtra, Delhi, Karnataka, Tamil Nadu, UP, Gujarat.

🙏 80G Donation Calculator

Tax savings on charitable donations. Section 80G deduction categories, 10% AGI limit, old regime only.

📈 Compound Interest Calculator

CI formula with quarterly, monthly, daily compounding. Rule of 72 and frequency comparison.

✈️ LTA Calculator

Leave Travel Allowance exemption under Section 10(5). Block year tracker and family coverage.

🏠 TDS on Rent Calculator

Section 194IB — 2% TDS if rent exceeds ₹50,000/month. Form 26QC and landlord impact.

🏦 PPF Withdrawal Calculator

Partial withdrawal from 7th FY, premature closure rules, and opportunity cost analysis.

🔒 Tax Saving FD Calculator

5-year lock-in FD under 80C. Post-tax returns and comparison with ELSS and PPF.

🌾 Kisan Vikas Patra Calculator

KVP doubles your money in 115 months at 7.5%. After-tax returns and comparison with PPF.

👩 Mahila Samman Calculator

MSSC 7.5% quarterly for women. 2-year tenure, partial withdrawal, and FD comparison.

📜 NSC Calculator

National Savings Certificate at 7.7%. 80C benefit on accrued interest years 1-4.

🔄 Interest Rate Converter

Convert flat to reducing rate, nominal to effective. Compare loan offers on equal basis.

🧓 Annuity Calculator

Monthly pension from retirement corpus. NPS 40% annuity split and fixed vs increasing comparison.

🔍 MF Overlap Calculator

Check if your mutual funds hold the same stocks. Pairwise overlap score and portfolio fix.

🔗 PAN-Aadhaar Link Checker

Check PAN-Aadhaar link status. Consequences of inoperative PAN and how to link.

👧 SSY Withdrawal Calculator

When can you withdraw from SSY? Partial withdrawal at 18, maturity at 21 years, premature closure.

💼 Salary Negotiation Calculator

Compare two job offers CTC to in-hand. Hidden benefits valuation and negotiation leverage.

🤱 Maternity Benefit Calculator

26 weeks maternity leave and pay. ESI vs non-ESI, adoption, and surrogacy entitlements.

📮 Post Office TD Calculator

Post Office Time Deposit maturity at 6.9-7.5%. Tax impact and comparison with bank FD and NSC.

🏠 Home Renovation Calculator

Renovation cost estimator by sq ft. Finance options and Section 24(b) tax benefit.

🏦 Section 80TTA Calculator

Tax saving on savings account interest. ₹10K deduction (80TTA) and ₹50K for seniors (80TTB).

💧 Water Bill Calculator

City-wise water bill by usage. Delhi, Mumbai, Bangalore, Chennai rates and conservation tips.

🏦 Savings Account Interest Calculator

How much your savings earn. Compare SBI, HDFC, Kotak, AU SFB rates. Sweep FD optimization.

🥇 Sovereign Gold Bond Calculator

SGB returns with 2.5% interest + gold appreciation. Tax-free at maturity vs ETF vs physical gold.

👴 Senior Citizen FD Calculator

Higher FD rates for 60+. SBI/HDFC/ICICI comparison, 80TTB deduction, FD vs SCSS vs POMIS.

🛡️ Term Insurance Calculator

How much life cover you need. Income replacement, HLV method, premium estimate with 80C saving.

🌏 NRI Tax Calculator

NRI tax on Indian income. NRE vs NRO FD, property sale LTCG, DTAA relief for 25 countries.

📊 Presumptive Tax Calculator

Section 44AD (6%/8%) and 44ADA (50%) simplified tax. Presumptive vs regular comparison.

⏰ TDS Interest Calculator

Late TDS penalty: 1%/1.5% per month interest + ₹200/day filing fee. Section 234E and 271H.

🏦 Loan Against FD Calculator

Borrow against FD at 90% LTV. Net cost analysis, loan vs break FD, OD vs term loan.

💰 DA Arrears Calculator

Dearness Allowance arrears for central govt employees. Section 89(1) relief, DA history table.

📈 Floating Rate Savings Bond Calculator

RBI FRSB 2020 at 8.05%. Semi-annual interest, tax impact, compare vs PPF/SCSS/NSC.

📋 Mutual Fund Tax Calculator

MF capital gains tax. Equity 20%/12.5%, debt at slab. SIP FIFO complexity, portfolio optimizer.

💰 Income Tax Refund Calculator

Estimate your ITR refund. TDS vs actual liability, Section 244A interest at 6%, old vs new regime.

🏘️ House Property Income Calculator

Rental income tax under Sections 22-27. 30% standard deduction, ₹2L interest cap, SOP vs LOP.

⚠️ Interest & Penalty 234 Calculator

Sections 234A/B/C penalties. Late filing 1%/month, advance tax default, instalment shortfall.

🌾 Agricultural Income Calculator

Exempt but used for rate purposes. Aggregation method step-by-step, old vs new regime impact.

🏪 GST Composition Calculator

Composition vs regular GST. 1%/5%/6% flat rates, ₹1.5Cr limit, no ITC trade-off analysis.

🎁 Bonus Calculator

Statutory bonus 8.33%-20%. ₹21K salary ceiling, Payment of Bonus Act 1965, tax impact.

📑 Salary Arrears Relief Calculator

Section 89 relief for arrears. Rule 21A step-by-step, Form 10E mandatory filing guide.

🏛️ Pay Commission Calculator

7th CPC salary breakdown. 18 pay levels, DA/HRA/TA, 8th CPC estimate, increment projection.

🔄 Pension Commutation Calculator

Commute up to 40% pension for lump sum. Official commutation table, 15-year restoration, break-even.

🏡 Home Loan Tax Benefit Calculator

Section 24(b) ₹2L + 80C ₹1.5L deductions. Old vs new regime, joint loan benefit up to ₹7L.

📈 LTCG Calculator

Long-term capital gains at 12.5%. Equity ₹1.25L exempt, property indexation choice, Section 54/54EC.

📉 STCG Calculator

Short-term capital gains. Equity 20% (Budget 2024), property at slab rate. Wait vs sell analysis.

✂️ Tax Loss Harvesting Calculator

Offset gains with losses. No wash sale rule in India. STCL/LTCL strategy, year-end planning.

📅 Advance Tax Due Date Calculator

Quarterly schedule 15Jun/Sep/Dec/Mar. 234C penalty calculator, presumptive single instalment.

📊 GST Annual Return Calculator

GSTR-9 reconciliation. Turnover/ITC mismatches, late fee ₹200/day capped 0.04%, GSTR-9C check.

📒 EPFO Passbook Calculator

EPF interest at 8.25%. Monthly calculation, ₹2.5L taxable threshold, passbook verification.

✈️ Leave Travel Allowance Calculator

LTA exemption under Section 10(5). Block years 2026-2029, 2 trips/block, old regime only.

🏤 Post Office Savings Calculator

Compare all 10 schemes. PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%. Post-tax returns comparison.

🏛️ Central Govt Salary Slip Calculator

7th CPC payslip. Basic + DA 60% + HRA + TA. NPS, CGHS deductions, take-home after tax.

⚖️ SSY vs PPF Calculator

Sukanya Samriddhi 8.2% vs PPF 7.1%. Side-by-side, rate + time advantage, both strategy.

🏛️ UPS Calculator

Unified Pension Scheme vs NPS. 50% assured pension, 18.5% govt contribution, switch decision framework.

📝 ITR Form Selector

Which ITR form to file? ITR-1/2/3/4 selector. Avoid defective return notices from CPC.

🧾 GST ITC Calculator

Input Tax Credit eligibility. Blocked credits Sec 17(5), GSTR-2B reconciliation, Rule 42/43 reversal.

🏥 ESI Calculator

Employee State Insurance. 0.75% employee + 3.25% employer. ₹21K ceiling, eligibility check, benefits value.

💰 Dividend Tax Calculator

Tax on dividends at slab rate. TDS threshold ₹10K, Sec 57 interest deduction, dividend vs growth MF.

📊 NPS Tier 2 Calculator

NPS Tier 2 vs debt MF vs FD. No lock-in, 0.05% expense ratio, liquidity with lowest cost.

👴 Senior Citizen Tax Calculator

Tax for 60+. Old vs new regime, 80TTB ₹50K, 80D ₹50K, Section 194P auto-filing for 75+.

🎯 NPS Withdrawal Calculator

NPS at 60: 60% lump sum tax-free + 40% annuity. Annuity options compared, early exit penalty.

🌾 PM-Kisan Calculator

₹6,000/year in 3 instalments. Eligibility check, e-KYC status, PM-Kisan + KCC + PMFBY combined.

🏠 PMAY Subsidy Calculator

Housing subsidy under PMAY Urban 2.0. EWS/LIG/MIG categories, EMI with vs without subsidy.

⚖️ SIP vs Lumpsum Calculator

Side-by-side comparison. Market crash scenario, decision framework based on PE valuation and income type.

🔥 FIRE Calculator India

Financial independence retire early. 3% rule for India, medical inflation 12%, post-FIRE income plan.

⏰ GST Late Fee Calculator

GSTR-3B/GSTR-1 late fee + 18% interest. Caps by turnover slab, daily penalty breakdown.

🏠 Home Insurance Calculator

Structure + contents premium estimate. Earthquake add-on, 18% GST, owner vs renter vs landlord.

📈 Power of Compounding

Visualize exponential growth. Cost of delay, rate comparison (PPF 7% vs equity 12% vs small cap 15%).

🌾 Crop Insurance Calculator

PMFBY premium: Kharif 2%, Rabi 1.5%. Claim estimation, govt subsidy breakdown, 5-year value analysis.

🏥 Ayushman Bharat Calculator

PM-JAY ₹5L/family/year. Eligibility check, 70+ universal cover, PMJAY vs private insurance.

🏘️ HRA vs Home Loan Calculator

Rent with HRA or buy with home loan? Tax comparison, 20-year cost, rent + invest strategy.

💼 Employee Compensation Calculator

CTC breakup from employer side. PF, ESI, gratuity, EDLI costs. Employee in-hand vs employer total cost.

👧 Sukanya vs LIC Calculator

SSY 8.2% vs LIC endowment ~5% IRR. Insurance angle: SSY + term beats LIC. Surrender analysis.

🪪 PAN Penalty Calculator

TDS at 20% without PAN (206AA), Aadhaar-PAN link cost, Section 206AB higher TDS for non-filers.

📨 Income Tax Notice Calculator

Identify notice section (143/148/245), response deadline, demand mismatch analysis, action plan.

💼 TDS on Salary Calculator

Section 192 monthly TDS. Old vs new regime comparison. Employer compliance calendar FY 2025-26.

🔄 GST Reverse Charge Calculator

RCM on legal, GTA, directors' fees. Section 9(3) liability, ITC claim, GSTR-3B reporting.

⚖️ APY vs NPS Calculator

Atal Pension guaranteed ₹5K vs NPS market-linked. Eligibility check, contribution table, combo strategy.

🏠 Property Registration Calculator

Stamp duty + registration charges across 15 states. TDS 194-IA, buyer checklist, state comparison.

🚀 Startup Tax Calculator

Section 80-IAC 100% profit deduction. Angel tax abolished. ESOP tax deferral for DPIIT startups.

🏦 Gratuity vs EPF Calculator

Compare retirement benefits side by side. Year-by-year growth, tax comparison, compound vs linear.

💰 Income from Other Sources Calculator

FD interest, dividends, gifts, family pension, lottery. Section 56 IFOS tax with 80TTA/80TTB deductions.

📊 NPS vs PPF Calculator

NPS 10%+ market vs PPF 7.1% guaranteed. Tax benefits, annuity mandate, optimal combo strategy.

✈️ TCS on Foreign Remittance Calculator

TCS on LRS remittances — education loan NIL, own funds 5%, investment 20% above ₹10L. Budget 2025 rates. Claim refund via ITR.

🏠 Rental Yield Calculator

Gross & net rental yield on investment property. Compare rent vs equity MF. City-wise benchmarks 2-5%.

🏪 MUDRA Loan Calculator

Shishu ₹50K / Kishore ₹5L / Tarun ₹10L EMI. No collateral. Compare vs regular business loan.

🧾 GST E-Invoice Calculator

E-invoice mandatory for B2B turnover >₹5Cr. Savings calculator, penalty risk ₹10K/invoice or 100% tax.

🌍 NRI Home Loan Calculator

NRI EMI at 9%+ rates. FEMA rules, NRE/NRO repayment, 30% TDS on rent, repatriation limits.

🏗️ Property Capital Gains Calculator

12.5% without indexation vs 20% with indexation. Section 54/54EC exemptions. Inherited property rules.

📋 Form 26AS Reconciliation Calculator

Match TDS credits — 26AS vs Form 16, AIS cross-check, missing TDS credit recovery steps.

👷 e-Shram Calculator

Unorganised worker benefits — PMSBY ₹2L for ₹20/yr, PMJJBY ₹2L for ₹436/yr, PM-SYM ₹3K/mo pension.

⚖️ EPF vs PPF Calculator

EPF 8.25% + employer match vs PPF 7.1% voluntary. Side-by-side corpus comparison over 25+ years.

💰 80CCD NPS Tax Benefit Calculator

80CCD(1) within 80C + (1B) ₹50K extra (old regime) + (2) employer NPS (both regimes). Optimize tax saving.

🏠 80GG Rent Deduction Calculator

Section 80GG for tenants without HRA. Least of ₹5K/mo, 25% ATI, or rent−10% ATI. Old regime only. Eligibility check.

💼 In-Hand Salary Calculator

CTC to take-home conversion. PF, ESI, PT, TDS breakup. Compare CTCs. Optimize basic% for retirement vs in-hand.

💳 Debt Payoff Calculator

Avalanche vs snowball strategy for credit cards, personal loans, home loans. Debt-free date with extra payments.

🥇 Gold ETF vs SGB Calculator

SGB 2.5% coupon + tax-free at 8yr vs Gold ETF 12.5% LTCG. Post-tax CAGR comparison. Liquidity trade-off.

🪜 FD Ladder Calculator

Staggered FD maturities for rate + liquidity balance. 5-rung ladder, reinvestment strategy, TDS optimization.

📋 Notice Period Buyout Calculator

Buyout cost with tax impact. Recovery deduction u/s 16. Negotiation ROI — is the job switch worth it?

🌍 NRI FD Calculator

NRE (tax-free) vs NRO (30% TDS) vs FCNR (no currency risk). DTAA optimization. Repatriation rules.

🛠️ PM Vishwakarma Calculator

₹15K toolkit grant + ₹3L credit at 5% for 18 traditional trades. Training stipend ₹500/day. Income impact.

🚀 Stand Up India Loan Calculator

₹10L–₹1Cr for SC/ST/women entrepreneurs. EMI with 18-month moratorium. Eligibility check + margin funding.

📊 Debt MF vs FD Calculator

Both at slab rate post-2023. TDS deferral advantage. SWP vs FD interest — only gains taxed in SWP.

🎓 80E Education Loan Interest Calculator

Full interest deduction — no cap. 8-year window from repayment start. Old regime only. Tax saving by slab rate.

📋 Section 10 Exemptions Calculator

HRA, LTA, leave encashment ₹25L cap, gratuity — 16 exemptions. Old vs new regime eligibility matrix.

🔍 GST HSN Code Calculator

73 HSN/SAC codes. Invoice calculator with CGST/SGST/IGST split. 4-digit vs 6-digit compliance check.

🏠 Rent Increase Calculator

Project escalating rent over 10+ years. Rent vs EMI crossover analysis. Negotiate lower increases with data.

📊 NPS Asset Allocation Calculator

E/C/G/A optimizer with age-linked equity cap. Auto vs Active choice comparison. Tax-free rebalancing alerts.

🏥 Health Insurance Port Calculator

IRDAI portability rules. PED waiting credit transfer. CSR comparison across 9 insurers. 45-day porting checklist.

💰 Variable Pay Tax Calculator

Bonus marginal tax rate. Monthly TDS spike in bonus month. Section 89 relief for arrears with Form 10E.

📈 SWP Tax Calculator

FIFO cost basis per withdrawal. SWP vs FD income tax comparison. Tax-free SWP within ₹1.25L LTCG exemption.

🌍 DTAA Calculator

12 country treaty rates. Foreign Tax Credit under Section 90. Form 67 deadline. TRC + Form 10F checklist.

🧮 Old Regime Deduction Optimizer

All deductions aggregated. Break-even vs new regime. Zero-investment deductions that cost nothing extra.

🏥 80DDB Medical Expense Calculator

Section 80DDB deduction for specified diseases. ₹40K/₹1L limits. Rule 11DD disease list. Tax saving at your slab rate.

♿ 80U Disability Deduction Calculator

Flat ₹75K or ₹1.25L deduction for disability. 80U vs 80DD comparison. Full disability benefits including transport allowance.

📊 ULIP Surrender Calculator

Should you surrender your ULIP? Surrender value, IRR, continue vs switch to equity MF. Section 10(10D) tax rules.

🚗 Motor Insurance NCB Calculator

No Claim Bonus discount on car insurance. IRDAI NCB slabs 20-50%. Claim vs pocket analysis. NCB protector ROI.

🏗️ Under-Construction EMI Calculator

Pre-EMI vs full EMI comparison. Construction-linked disbursement. Pre-construction interest deduction under Section 24(b).

📈 Credit Score Simulator

Simulate CIBIL score changes. See what actions help or hurt. Recovery timeline from missed payments or settlements.

📋 GST Registration Threshold Calculator

Do you need GST registration? ₹40L goods / ₹20L services thresholds. Special category states. Voluntary registration analysis.

🌍 International Equity Tax Calculator

Tax on US stocks, RSU, ESPP for Indian residents. LTCG 12.5% on foreign equity. DTAA credit. Schedule FA reporting.

🏢 REITs & InvITs Tax Calculator

Tax on REIT/InvIT distributions. Interest vs dividend vs rental breakdown. Cost basis adjustment. REIT vs FD vs equity comparison.

🤝 Partnership Firm Tax Calculator

Firm-level 30% flat tax. Section 40(b) remuneration limits. Partner's exempt profit share. NEW Section 194T TDS from Apr 2025.