Financial Tool Suite 2026

Free Financial Calculators for Indian Investors

Make smarter wealth, tax, and debt management decisions with real-time, interactive tools tailored for Indian taxation and compounding dynamics.

⚖️ Old vs New Tax Regime Calculator (FY 2026-27)

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Old vs New Tax Regime Calculator

FY 2026-27 (Assessment Year 2027-28) Post-Budget Slabs

Updated for FY 2026-27
Gross Annual Income (CTC / Total Earnings)₹12.00 L
₹
Employment CategoryStandard deduction applies
▼Old Regime Deductions & ExemptionsTotal: ₹2.25 L
Section 80C (EPF, PPF, ELSS, Life Ins., Home Loan Prin.)Max ₹1.5L
₹
Section 80D (Health Insurance Premium — Self & Parents)Max ₹1L
₹
HRA Exemption (House Rent Allowance u/s 10(13A))Rent receipts
₹
Home Loan Interest — Section 24(b)Max ₹2L
₹
NPS Additional Voluntary Contribution — 80CCD(1B)Max ₹50k
₹
Other Deductions (80E Education Loan, 80G Donations, etc.)
₹
✨ Recommended Choice

New Regime Saves You ₹40,300 in Tax!

With your current deductions of ₹2.25 L, the New Tax Regime is more lucrative thanks to wider slabs, standard deduction of ₹75,000, and lower tax rates.

New RegimeWinner 🏆
₹71,500
Effective Rate: 6.0% | Cess: ₹2,750
Standard Deduction:₹75,000
Taxable Income:₹11.25 L
Monthly In-Hand:₹94,042/mo
Old RegimeOptional
₹1.12 L
Effective Rate: 9.3% | Cess: ₹4,300
Total Deductions:₹2.25 L
Taxable Income:₹9.75 L
Monthly In-Hand:₹90,683/mo
🎯 Breakeven Insight for ₹12,00,000:
To make the Old Tax Regime beneficial, your total deductions (including 80C, 80D, HRA, home loan) must exceed ₹12.00 L. Your current total eligible deductions are ₹2.25 L.

* Disclaimer: This calculator reflects Indian Income Tax provisions as per the Finance Act for Financial Year 2026-27 (Assessment Year 2027-28) including standard deduction of ₹75,000 in the New Regime and Section 87A rebate. The output is for illustrative educational purposes and does not constitute official chartered accountant or tax advisory services. Please consult a qualified tax professional or refer to incometax.gov.in before filing.

📈 SIP Calculator

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SIP Calculator

₹
₹500₹1 L
InvestedGains
Total Invested₹6.00 L
Wealth Gained₹5.62 L
Total Corpus₹11.62 L
🚀 Start SIP with Zerodha (Zero Commission)

*Estimated returns on 12% p.a. — actual returns may vary. Start SIP on Zerodha — zero commission, direct plans.

🏠 Loan EMI Calculator

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Live Loan Tool

Loan EMI Calculator

Calculate monthly EMI, interest burden, and total repayment

₹
%
Y
Monthly EMI Payable
₹26,035
for 240 months
48%
Principal
Principal Amount₹30.00 L
Total Interest₹32.48 L
Total Repayment₹62.48 L
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*EMI calculations are indicative based on standard monthly reducing balance. Actual bank processing charges & rates may vary.