EMI Calculator
Work out the monthly instalment on a home, car, personal, education or gold loan, with a full year-by-year repayment schedule.
Open calculator
FY 2026-27 • AY 2027-28
Plan your money with
Plan your money with
calculators you can trust
Work out your loan EMI, project SIP returns, check FD maturity, compute GST and compare both income tax regimes. Every calculation runs in your browser, so your numbers stay with you.
8
Free tools
0
Sign-ups
2026-27
Latest slabs
100%
Private
Instant results
Calculations run in your browser, so results appear the moment you type.
Nothing is stored
Your income and loan figures never reach our servers.
Current rules
Slabs and deductions reflect FY 2026-27 as notified.
AI in your language
Ask questions in English, Hindi, Hinglish or a regional language.
Financial calculators
Run the numbers before you commit
Five calculators covering the decisions most people face: borrowing, investing, saving and paying tax.
SIP Calculator
Project what a monthly mutual fund investment could grow into, with an annual step-up option and scenario comparison.
Open calculatorFD Calculator
Calculate fixed deposit maturity value across different compounding options, including senior citizen rates and post-tax returns.
Open calculatorGST Calculator
Add GST to a base price or strip it out of an inclusive total, with the CGST, SGST or IGST split for your invoice.
Open calculatorIncome Tax Calculator
Compare your income tax under the new and old regimes, including deductions, with a slab-by-slab breakdown and a clear verdict.
Open calculator
AI assistants
Guidance tailored to your situation
Describe your position in plain language and get a written plan you can act on.
AI Finance Advisor
Ask any personal finance question in your own words and get clear written guidance. Works in English, Hindi and regional languages.
Try it nowAI Tax Saver
Share a few details about your income and get a written tax saving plan with regime comparison and estimated savings per deduction.
Try it nowAI Investment Planner
Get an asset allocation built around your goal, budget, timeline and risk appetite, converted into specific monthly amounts.
Try it nowIncome tax slabs for FY 2026-27
The new tax regime is the default option. Budget 2026 left the slab structure unchanged, and the Income Tax Act, 2025 took effect from 1 April 2026, replacing the 1961 Act. The table below shows the rates that apply to individual taxpayers this year.
New tax regime (default)
| Taxable income | Rate | Tax on this slab |
|---|---|---|
| Up to ₹4,00,000 | Nil | ₹0 |
| ₹4,00,001 to ₹8,00,000 | 5% | Up to ₹20,000 |
| ₹8,00,001 to ₹12,00,000 | 10% | Up to ₹40,000 |
| ₹12,00,001 to ₹16,00,000 | 15% | Up to ₹60,000 |
| ₹16,00,001 to ₹20,00,000 | 20% | Up to ₹80,000 |
| ₹20,00,001 to ₹24,00,000 | 25% | Up to ₹1,00,000 |
| Above ₹24,00,000 | 30% | On the balance |
What this means in practice
- Salaried taxpayers get a standard deduction of ₹75,000 under the new regime.
- The Section 87A rebate of up to ₹60,000 means zero tax on taxable income up to ₹12,00,000.
- With the standard deduction, a salary of roughly ₹12,75,000 can still attract no tax.
- Health and Education Cess of 4% applies on the tax computed, in both regimes.
- The new regime has no age-based concession. Slabs are identical at every age.
Old tax regime (must be opted into)
| Taxable income | Below 60 | 60 to 80 | Above 80 |
|---|---|---|---|
| Up to ₹2,50,000 | Nil | Nil | Nil |
| ₹2,50,001 to ₹3,00,000 | 5% | Nil | Nil |
| ₹3,00,001 to ₹5,00,000 | 5% | 5% | Nil |
| ₹5,00,001 to ₹10,00,000 | 20% | 20% | 20% |
| Above ₹10,00,000 | 30% | 30% | 30% |
The old regime keeps deductions such as Section 80C up to ₹1,50,000, Section 80D for health insurance, HRA exemption, and home loan interest under Section 24(b) up to ₹2,00,000. Whether it beats the new regime depends entirely on how much you actually claim.
Not sure which regime suits you? The Income Tax Calculator computes both side by side and tells you which one leaves more money in your pocket.
How to use these calculators well
A calculator is only as good as the assumptions you feed it. Here is how to get numbers you can actually plan around, tool by tool.
Loan EMI
Enter the interest rate your lender quoted, not the headline rate in an advertisement. Processing fees, insurance bundled with the loan and documentation charges sit outside the EMI, so add them separately when comparing offers. A useful rule of thumb: keep total EMIs across all loans under about 40% of your take-home pay so you retain room for savings and emergencies.
SIP returns
Equity funds have historically returned roughly 11% to 14% annualised over long holding periods, but any single year can be sharply negative. Model a conservative case at 10% and an optimistic case at 14% rather than treating one figure as a promise. If your income grows each year, the step-up option shows how much difference a 10% annual increase in your SIP makes over a decade.
Fixed deposits
Most banks compound FD interest quarterly, which is why the effective yield sits slightly above the stated rate. Interest is fully taxable at your slab rate, so a 7% FD returns closer to 4.9% after tax if you are in the 30% bracket. Senior citizens usually get 0.25% to 0.75% more than the general rate.
GST
Decide first whether your figure already includes GST. Adding 18% to ₹10,000 gives ₹11,800, but removing GST from ₹10,000 gives a base of about ₹8,475. For supplies within a state the tax splits equally into CGST and SGST; for interstate supplies the whole amount is IGST.
Income tax
Compare both regimes with your real deduction figures. As a rough guide, the old regime tends to win once your total deductions and exemptions cross roughly ₹4,00,000 to ₹4,50,000. Below that, the lower slab rates plus the larger standard deduction usually make the new regime cheaper.
These tools give estimates for planning. Banks apply their own rounding and fee structures, fund returns are never guaranteed, and tax outcomes depend on your complete financial picture. Confirm important figures with your lender, a chartered accountant or a SEBI-registered adviser.
Frequently asked questions
Yes. Every calculator and AI tool on this site is free, with no sign-up, no trial period and no usage cap on the calculators themselves.
No. All calculations run in your browser using JavaScript. Your income, loan amount and investment figures are never sent to our servers or saved anywhere.
The Income Tax Calculator uses the slabs for FY 2026-27 (Assessment Year 2027-28), covering both the default new regime and the old regime.
The EMI formula matches what banks use, so the monthly instalment should match your lender within a rupee or two. Lenders may round differently and will add processing fees and insurance separately.
Yes. Write your question in Hindi, Hinglish, or a regional language such as Marathi, Gujarati, Tamil, Telugu, Bengali, Kannada, Malayalam or Punjabi, and it will reply in the same language. You can also pick a language from the chat window.
Yes. The layout is built mobile first, with sliders and large tap targets sized for touch. Wide tables scroll sideways instead of breaking the page, and a dark mode is available from the header or footer.
No. The AI provides general educational information based on Indian financial rules. For decisions involving large sums or your specific tax position, consult a chartered accountant or a SEBI-registered investment adviser.