Pay exactly what you owe
not a rupee more
Income tax, GST, HRA, capital gains, TDS and advance tax. every Indian tax calculation you need, in one place. Updated for Budget 2026 and current FY rates. Free, instant, and 100% private.
All tax & GST calculators
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Income Tax Calculator
Compare your exact tax liability under the old and new regime for FY 2026 - 2027. Includes all deductions 80C, 80D, HRA, NPS, home loan, and shows which regime saves more.
GST Calculator
Add or remove GST from any amount instantly. Full invoice GST breakdown across 5%, 12%, 18%, and 28% slabs with CGST, SGST, and IGST split for inter and intra-state transactions.
HRA Exemption Calculator
Calculate HRA tax exemption under Section 10(13A) for salaried employees. Evaluates all three conditions and shows the maximum claimable exemption for metro and non-metro cities.
Capital Gains Tax
Calculate STCG and LTCG tax on stocks, equity mutual funds, debt funds, and property. Updated for Budget 2026 rates, equity LTCG at 12.5%, STCG at 20%, with ₹1.25L exemption.
TDS Calculator
Tax deducted at source rates and amounts for salary, FD interest, rent, professional fees, and contractor payments. Includes TDS on property purchase under Section 194IA.
Advance Tax Calculator
Calculate your advance tax liability and the exact quarterly instalment amounts due in June, September, December, and March under the 15/45/75/100% schedule.
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Related comparison tools
Side-by-side comparisons that simplify India's most consequential tax decisions.
Tax & GST Calculators for India - Why Accuracy Matters
Taxes are the single largest deduction from most Indians' income, yet they are also one of the least understood. A salaried professional in the ₹15–20L income bracket can save ₹50,000–₹1.5L annually simply by choosing the right tax regime, maximising legitimate deductions, and claiming every exemption they are entitled to. A business owner who misunderstands GST input tax credit or gets advance tax instalments wrong faces penalties on top of the tax due. These calculators eliminate guesswork and help you pay exactly what you owe, not a rupee more, never a rupee less.
India's tax system changed significantly with Budget 2024, new default regime, revised LTCG rates on equity (12.5% from 10%), higher STCG rates (20% from 15%), increased capital gains exemption (₹1.25L from ₹1L), and revised tax slabs under the new regime. All calculators on this page reflect the latest FY 2026 - 2027 rules, so your numbers are always accurate.
How to use these calculators together
Tax planning is most effective when done holistically rather than one calculator at a time. Here is the recommended sequence for a complete FY 2026 - 2027 tax planning exercise, whether you are salaried, self-employed, or a business owner:
Key tax principles every Indian taxpayer must know
These calculators encode the rules, but understanding the principles behind them helps you make better decisions year-round, not just at filing time:
The new regime makes sense if your total deductions (80C + 80D + HRA + home loan interest + NPS) are below approximately ₹3.75L for income in the ₹15–20L range. Above that, the old regime almost always saves more. Calculate this every April, the answer changes as your income, rent, and investments change.
Up to ₹1.25L in equity LTCG per financial year is tax-free. If you have unrealised long-term gains in stocks or equity MFs, consider harvesting up to ₹1.25L every March by selling and repurchasing, resetting your cost basis to a higher level. Done annually, this can save ₹15,000–₹20,000/year in tax on large portfolios, completely legally.
A widespread misconception: you cannot claim both HRA exemption and home loan interest deduction simultaneously. This is incorrect. You can claim both if you live in a rented property in one city and own a home loan property in another city, or if the loan property is under construction. The Income Tax Calculator models both together correctly.
Registered GST businesses can offset output GST liability against input GST paid on purchases (ITC). Many small businesses don't claim all eligible ITC, missing the credit on capital goods, professional services, or mixed-supply purchases. For a business paying ₹5L in GST annually, unclaimed ITC is a direct cash drain. Always reconcile GSTR-2B before filing GSTR-3B.
TDS deducted by your employer, bank, or clients appears in Form 26AS and AIS. If TDS exceeds your actual tax liability, you get a refund (process it via ITR). If it falls short, common for freelancers with multiple clients or those with capital gains, you owe the balance, potentially with Section 234B interest. Reconcile quarterly, not just at filing.
Section 234B charges 1% simple interest per month on any advance tax shortfall (paid less than 90% of assessed tax). Section 234C charges 1% per month on each quarterly shortfall. On a ₹2L advance tax liability, a full-year 234B default costs ₹24,000 in interest alone, more than most people earn in a savings account on that amount. The Advance Tax Calculator prevents this entirely.