Calculators for your salary, tax and savings
Built for salaried people in India. Free, no sign-up, and your numbers never leave your device.
105 ready now, more every week
Income tax
Income tax: old vs new
Which regime leaves more in your account.
Capital gains
Tax on shares, mutual funds, gold and property you sold.
SIP redemption tax
Tax on selling units bought through a SIP.
Capital gains exemption
Tax saved with a new house or bonds (54, 54F, 54EC).
Capital loss set-off
Set off losses, carry the rest forward.
Property sale tax
Gain, tax and TDS when you sell property.
Advance tax
Instalments due, and interest if you pay late.
Late filing fee and interest
Fee and interest if you file after the deadline.
Which ITR form?
Find the right form in a few questions.
House property income
Income or loss from a home you own or rent out.
Relief on salary arrears (89)
Tax relief when arrears push you into a higher slab.
Coming soonRSUs and US stocks
Tax on RSUs and foreign shares, when they vest and when you sell.
ESOP tax
Perquisite tax at exercise and capital gains at sale.
Crypto (VDA) tax
30% tax and 1% TDS on crypto and other digital assets.
Tax-loss harvesting
Book losses to cut tax on your capital gains.
Salary vs freelance
Compare tax on a salary and on freelance income.
Freelancer tax (44ADA)
Presumptive tax for professionals.
Small business tax (44AD)
Presumptive tax for small businesses.
Tax audit check
Do you need a tax audit this year?
TDS rates
TDS on rent, interest, fees, property and more.
Coming soonAgricultural income
How farm income changes the tax on your other income.
Salary and allowances
HRA exemption
How much of your HRA is tax-free.
Salary in hand
Turn your CTC into the amount that reaches your bank.
Gratuity
How much gratuity you'll get, and how much is tax-free.
Leave encashment
Tax-free limit on leave you cash in.
Salary hike
Your new salary and take-home after a raise.
Pay commission
Revised pay for central government employees.
Coming soonRent-free accommodation
Taxable value of a house your employer gives you.
Transport allowance
Tax-free part of your transport allowance.
Pension commutation
Tax on commuted and monthly pension.
Form 12BB
Fill in your investment declaration for HR.
Coming soonRent receipt generator
Monthly rent receipts for HRA, as a PDF.
Deductions
80C planner
Use your ₹1.5 lakh 80C limit well.
Health insurance (80D)
Deduction for health insurance and check-ups.
Interest deduction (80TTA, 80TTB)
Tax-free interest on savings and deposits.
Disability (80U)
Deduction for a person with a disability.
Disabled dependant (80DD)
Deduction for supporting a disabled dependant.
Investing
SIP
What a monthly investment could grow to.
Step-up SIP
Grow your SIP every year as your salary grows.
Lumpsum
What a one-time investment could grow to.
Mutual fund returns
Returns on your mutual fund investments.
SWP
A monthly income from your mutual fund corpus.
STP
Move money into equity funds in steps.
Compound interest
How compounding grows your money.
Simple interest
Interest that doesn't compound.
CAGR
The yearly growth rate of an investment.
Return on investment
Your total and yearly return.
Stock average
Your average price after buying more.
Bond yield
Yield to maturity on a bond.
Savings schemes
Fixed deposit
Interest and maturity amount on an FD.
FD premature withdrawal
What you get if you break an FD early.
Recurring deposit
Maturity value of a monthly RD.
PPF
Your PPF balance at maturity, all of it tax-free.
EPF
Your provident fund balance at retirement.
Sukanya Samriddhi
Savings for your daughter's education and marriage.
NSC
Interest and maturity on National Savings Certificates.
Senior citizens' savings (SCSS)
Quarterly interest for senior citizens.
Post office monthly income (POMIS)
Monthly interest from the post office.
Kisan Vikas Patra
When your KVP doubles.
Mahila Samman certificate
Maturity on the women's savings certificate.
Retirement
Loans
EMI
Monthly instalment on any loan.
Home loan EMI
EMI, interest and the tax you save on a home loan.
Personal loan EMI
EMI and total interest on a personal loan.
Car loan EMI
EMI and total interest on a car loan.
Education loan EMI
EMI, and the 80E deduction on the interest.
Credit card EMI
The real cost of converting a purchase to EMI.
Home loan eligibility
How much you can borrow on your salary.
Loan prepayment
Interest saved by prepaying your loan.
Home loan part payment
Lower EMI or shorter tenure after a part payment.
Home loan balance transfer
Is switching your home loan worth it?
Interest-free home loan
Earn back your home loan interest with a SIP.
Prepay or invest?
Prepaying your loan or investing the money.
Rent or buy?
Compare renting with buying a home.
Credit card eligibility
The credit limit your income could support.
Coming soonPlanning
Goal SIP
The SIP you need to reach a goal.
Goal planner
Plan several goals at once.
Child's education
Save for your child's education.
Inflation
What today's money will be worth later.
Cost of delay
What waiting to start a SIP costs you.
Future value
The future value of a sum or series.
Present value and annuity
What a future sum is worth today.
Increasing contribution
Growth when you invest more each year.
Impact of 1%
How 1% in fees or returns adds up.
Asset allocation
A mix of equity, debt and gold for your age.
Coming soonNet worth
What you own minus what you owe.
Savings
How your savings grow each month.
Monthly savings
How much to save each month.
Life insurance need
How much life cover your family needs.
LIC surrender value
What you get if you surrender a policy.
Coming soonInvestment tracker
Track your monthly investments against a goal.
Coming soonVisual goal planner
See all your goals on one timeline.
Coming soonCompare
SIP vs FD
Mutual fund SIP or fixed deposit, after tax.
SIP vs PPF
Equity SIP or PPF, after tax.
NPS vs mutual funds
Which builds a bigger retirement corpus.
UPS vs NPS
Unified Pension Scheme or NPS, for central government staff.
SGB vs digital gold
Gold bonds or digital gold, after tax.
FD vs debt fund
Fixed deposit or debt fund, after tax.
Business and GST
GST
Add or remove GST from a price.
GST input tax credit
GST payable after input tax credit.
Profit margin
Gross, operating and net margin.
Break-even
Sales needed to cover your costs.
Working capital
Working capital and the cash cycle.
Debt service coverage
Can the business service its loans?
Startup burn rate
Monthly burn and runway.
Rental yield
Gross and net yield on a rented property.
Trading
Brokerage and charges
Brokerage, STT, stamp duty and other charges on a trade.
Coming soonMargin trading (MTF)
Interest cost of buying shares on margin.
Black-Scholes
Theoretical option price and Greeks.
F&O margin
Margin needed for futures and options.
Coming soonTools
IFSC finder
Find a bank branch from its IFSC, or the IFSC.
Currency converter
Convert between rupees and other currencies.
Coming soonGSTIN checker
Check a GST number and see its state and PAN.
HSN and SAC finder
Find the code for your goods or services.