25+ Tools ยท FY 2025-26 Updated ยท 100% Free
Free Financial Calculators India
India's most comprehensive free calculator hub โ Income Tax (New vs Old Regime), SIP, EMI, HRA, EPF, PPF, NPS, FD, RD, Gratuity, GST, TDS and 13 more. No login. Instant results.
๐งฎ 25+ Calculatorsโ
100% Freeโก Instant Results๐
FY 2025-26๐ No Login Needed
โก Most Used Today
Top 8 Most-Used Calculators
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Income Tax Calculator
New vs Old Regime FY 26
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HRA Calculator
Sec 10(13A) exemption
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SIP Calculator
Mutual fund returns
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EMI Calculator
Home / Car / Personal loan
๐ต
EPF / PF Calculator
8.25% p.a. FY 2024-25
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Gratuity Calculator
15รSalaryรYears / 26
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PPF Calculator
7.1% ยท 15-year maturity
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NPS Calculator
80CCD(1B) ยท โน50K extra
๐ Full Library
All 25+ Free Financial Calculators
Tap any card to open the dedicated calculator. Every calculator links to the relevant TAXAJ filing service.
๐ก Tax Planning Guide
Use Calculators to Cut Your Tax Bill โ Legal Ways
Every calculator below links to a real tax-saving opportunity. Act before 31 March every year.
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80C โ Save up to โน46,800
Invest โน1.5L in PPF, ELSS, EPF, LIC, NSC. Use PPF + SIP calculators to find best allocation. Old Regime only. Tax saved at 30% slab: โน46,800.
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HRA + Home Loan Deduction
HRA u/s 10(13A) + home loan interest u/s 24(b) up to โน2L. Use HRA + EMI calculators together. Combined tax saving can exceed โน1 lakh annually.
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NPS โ Extra โน15,600 Saved
80CCD(1B) gives โน50,000 additional deduction beyond the 80C ceiling. Tax saved at 30%: โน15,600. Plus employer NPS 80CCD(2) is over and above.
๐ฅ
80D Health Insurance โ โน7,800
โน25,000 for self/family + โน25,000 for parents (โน50,000 if senior citizens). Total up to โน75,000 deduction available. Use with tax calculator.
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New Regime โ โน12L Zero Tax
With โน75,000 standard deduction + โน60,000 rebate u/s 87A, income up to โน12.75L is effectively tax-free under New Regime from FY 2025-26.
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LTCG Exemption โ โน1.25L Free
Equity LTCG up to โน1.25L per year is exempt. Harvest gains strategically each year to avoid accumulation and use this limit fully. Budget 2024 rate: 12.5%.
๐ Calculator Guides
Complete Guide to India's Top Financial Calculators
Formulas, rates, how to interpret results โ and what to do next with TAXAJ.
๐ฐ Income Tax Calculator India FY 2025-26 โ New Regime vs Old Regime
The Income Tax Calculator above compares your liability under the New Tax Regime (default from FY 2023-24) vs the Old Tax Regime. New Regime FY 2025-26 slabs: โน0โ4L โ 0%; โน4โ8L โ 5%; โน8โ12L โ 10%; โน12โ16L โ 15%; โน16โ20L โ 20%; โน20โ24L โ 25%; above โน24L โ 30%. Effective zero tax up to โน12.75L after โน75,000 standard deduction and โน60,000 rebate u/s 87A. Budget 2024 capital gains: Equity STCG (held <12 months) at 20% u/s 111A; Equity LTCG (held >12 months, gains above โน1.25L) at 12.5% u/s 112A. TAXAJ files your ITR in the optimal regime โ with all deductions and capital gains correctly reported.
๐ HRA Exemption Calculator โ Section 10(13A) Computation
HRA exemption under Section 10(13A) is the lowest of three amounts: (1) Actual HRA received from employer; (2) Actual rent paid minus 10% of basic salary; (3) 50% of basic salary for metro cities (Delhi, Mumbai, Kolkata, Chennai) or 40% for non-metro. Example: Basic โน60,000/month, HRA โน25,000, Rent paid โน18,000 in Delhi โ exemption = min(โน25,000; โน12,000; โน30,000) = โน12,000/month. HRA exemption is only available in the Old Tax Regime. If rent exceeds โน1 lakh/year, landlord's PAN is mandatory. TAXAJ's CA team correctly computes and claims HRA in your salaried ITR โ
๐ SIP Calculator โ Mutual Fund Returns Formula & ELSS Tax Saving
The SIP Calculator uses the formula: M = P ร ({[1 + i]โฟ โ 1} / i) ร (1 + i), where M = maturity value, P = monthly SIP, i = monthly rate (annual rate รท 12), n = total months. A โน10,000/month SIP for 20 years at 12% CAGR grows to approximately โน99.9 lakhs โ on a total investment of โน24 lakhs, wealth gain = โน75.9 lakhs. Tax on SIP gains: Equity mutual fund gains held >12 months = LTCG at 12.5% (above โน1.25L exempt). ELSS funds qualify for 80C deduction up to โน1.5L โ 3-year lock-in, best return potential among 80C instruments. TAXAJ files mutual fund capital gains ITR โ accurately with CAS statement integration.
๐ฆ EMI Calculator โ Formula, Home Loan Tax Benefit & How to Reduce EMI
EMI = [P ร R ร (1+R)แดบ] รท [(1+R)แดบ โ 1], where P = principal, R = monthly interest (annual rate รท 12), N = total instalments. Home loan of โน50L at 8.5% for 20 years โ EMI โ โน43,391/month (total interest โ โน54.1 lakhs). Tax benefits on home loan: Principal repayment u/s 80C up to โน1.5L; Interest u/s 24(b) up to โน2L (self-occupied). Ways to reduce EMI: Part-prepayment reduces principal; floating rate refinancing; longer tenure reduces EMI but increases total interest. TAXAJ claims both home loan deductions in your salaried ITR โ โ maximising your net tax saving.
๐ต EPF Calculator โ Rate 8.25%, EPS vs EPF Split & Tax Treatment
The EPF (Employee Provident Fund) interest rate for FY 2024-25 is 8.25% p.a. declared by EPFO. Employee contribution: 12% of Basic + DA entirely to EPF. Employer contribution: 12% split as 8.33% to EPS (Employee Pension Scheme) + 3.67% to EPF. Tax treatment: EPF contributions up to โน1.5L under 80C are deductible (Old Regime). Interest on EPF is tax-free if employee contribution โค โน2.5L/year (โค โน5L for government employees). Withdrawal after 5 years of continuous service is fully tax-free. TAXAJ handles EPF registration and compliance โ for employers and files employee ITR with correct EPF details.
๐ Gratuity Calculator India โ Formula, Tax-Free Limit & Eligibility
Under the Payment of Gratuity Act 1972: Gratuity = (15 ร Last Drawn Salary ร Completed Years of Service) / 26. Salary = Basic + DA. Minimum 5 years of continuous service required (4 years 240 days for monthly rated employees). If service = 10 years and salary = โน50,000: Gratuity = (15 ร 50,000 ร 10) / 26 = โน2,88,461. Tax-free limit: โน20 lakhs (enhanced per Gratuity Act amendment). Excess taxable as salary. Employer can pay higher than formula โ excess taxable in employee's hands. TAXAJ integrates gratuity calculation into payroll management โ and accounts for it in salaried ITR filing โ
๐ FY 2025-26 Rates
Key Interest Rates & Tax Rates Used in These Calculators
| Scheme / Tax | Rate | Tax Treatment | Calculator |
|---|---|---|---|
| PPF | 7.1% p.a. | EEE โ Exempt-Exempt-Exempt. No tax at any stage. | PPF Calc โ |
| EPF / PF | 8.25% p.a. | Tax-free on withdrawal after 5 years. Interest on >โน2.5L taxable. | EPF Calc โ |
| SSY (Sukanya) | 8.2% p.a. | EEE โ 80C eligible. Maturity fully tax-free. | SSY Calc โ |
| NPS | Market-linked ~10โ12% | 80C + 80CCD(1B) โน50K extra. 60% lump sum tax-free on exit. | NPS Calc โ |
| Equity STCG (u/s 111A) | 20% (Budget 2024) | Flat rate. No slab applicable. Held <12 months. | Tax Calc โ |
| Equity LTCG (u/s 112A) | 12.5% above โน1.25L | โน1.25L exempt per year. No indexation. Held >12 months. | LTCG ITR โ |
| Home Loan Interest | Market (8โ9.5%) | u/s 24(b) โน2L deduction (self-occ). Old Regime only. | EMI Calc โ |
| SIP (Equity MF) | CAGR assumed 10โ14% | LTCG 12.5% above โน1.25L. STCG 20%. ELSS: 80C eligible. | SIP Calc โ |
๐ After Calculating โ Act with TAXAJ
Calculated Your Numbers? TAXAJ Handles the Filing
Every calculator on this page connects to a real TAXAJ service. Plan โ Calculate โ File.
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ITR Filing
All entity types
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Salaried ITR
ITR-1 / ITR-2
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Capital Gains ITR
Stocks, MF, property
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Payroll & HR
EPF, ESI, TDS, PF
๐ต
EPF Registration
EPFO compliance
๐งพ
GST Services
Registration + returns
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GSTR Filing
GSTR-1, 3B monthly
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TDS Compliance
TAN + 24Q + 26Q
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Advance Tax
Quarterly payment
โ ๏ธ
IT Notice Reply
143(1), 148, 148A
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Annual Filing
AOC-4, MGT-7, ROC
๐จโ๐ผ
Consult a CA
Free 15-min call
โ FAQ
Frequently Asked Questions โ Financial Calculators
Yes. All calculators are updated for FY 2025-26 (AY 2026-27) with Budget 2024 changes โ STCG at 20%, LTCG at 12.5% above โน1.25L, New Regime slabs, โน75,000 standard deduction and โน60,000 rebate u/s 87A. EPF interest at 8.25%, PPF at 7.1%, SSY at 8.2% as per latest government notifications. Results are indicative for planning โ always verify with a CA before filing.
The New Regime is better if your total deductions (80C + HRA + 80D + home loan interest etc.) are less than approximately โน3.75 lakhs. If you have: ELSS/PPF โน1.5L (80C) + NPS โน50K (80CCD) + HRA โน2L + 80D โน50K = โน4.5L total โ Old Regime likely saves more. Use the Income Tax Calculator above and enter your actual numbers to compare both regimes instantly. TAXAJ files your ITR in the optimal regime โ
The EPF interest rate for FY 2024-25 is 8.25% per annum, as declared by EPFO trustees and approved by the Ministry of Finance. Interest is credited annually to the member's account. Employee contribution: 12% of Basic + DA. Employer: 8.33% to EPS (Pension) + 3.67% to EPF. Use our EPF Calculator to estimate your retirement corpus based on your current salary.
Formula: Gratuity = (15 ร Last Drawn Salary ร Completed Years of Service) / 26. Salary = Basic + DA only. Minimum 5 years of continuous service required. Tax-free up to โน20 lakhs. If 10 years service and โน80,000/month salary: Gratuity = (15 ร 80,000 ร 10) / 26 = โน4,61,538. Use our Gratuity Calculator for instant results.
SIP formula: M = P ร ({[1 + i]โฟ โ 1} / i) ร (1 + i). M = maturity, P = monthly amount, i = monthly interest rate (annual รท 12), n = months. The calculator assumes a constant rate of return โ actual returns vary by fund. ELSS equity SIPs have historically delivered 12โ15% CAGR over 10+ years. The result is an estimate, not a guarantee. LTCG on equity MF gains above โน1.25L is taxed at 12.5%.
No. HRA exemption u/s 10(13A) is NOT available under the New Tax Regime. It is only available if you opt for the Old Tax Regime. If your HRA component is significant โ say โน2+ lakhs/year โ this alone may justify choosing the Old Regime. Calculate your tax in both regimes using the Income Tax Calculator above to decide. TAXAJ computes optimal regime for every salaried client โ
Yes, completely free. All 25+ calculators on this TAXAJ hub require no login, no sign-up, no credit card and no subscription. You can use them unlimited times. The embedded calculator above also runs directly in this page โ no redirection needed for the four built-in tools (Income Tax, SIP, EMI, PPF).
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