# Tax & Finance Calculators for India | Aalekh > Free income tax, GST, TDS, HRA, gratuity, EMI and SIP calculators for India, with the formula, current rates and worked examples for each one. Canonical URL: https://www.aalekh.ai/calculators 46 calculators, free and no sign-up # Tax and finance calculators for India Income tax, GST, TDS, deferred tax, depreciation, HRA, gratuity, EMI and more. Enter your figures and the answer updates as you type. Every calculator also shows the formula it applies, the current rates with the financial year they belong to, a worked example, and links to the government source the numbers come from. - [Income Tax9](#income-tax) - [GST6](#gst) - [TDS & Compliance5](#tds) - [Corporate & Audit7](#direct-tax) - [Salary & Retirement9](#payroll) - [Banking & Advisory6](#advisory) - [Loans & Investments3](#finance) - [Valuation1](#valuation) ## Income Tax Slabs, regimes, capital gains and presumptive taxation. - [ ### Income Tax Calculator New regime and old regime slabs, surcharge, marginal relief and rebate for FY 2026-27 and FY 2025-26. Open calculator](/calculators/income-tax) - [ ### Capital Gains Calculator Holding periods, STCG and LTCG rates by asset class, and the indexation choice for older property. Open calculator](/calculators/capital-gains) - [ ### Presumptive Taxation Calculator 44AD at 8 or 6 percent, 44ADA at 50 percent, 44AE per vehicle, and the 44AB audit trigger. Open calculator](/calculators/presumptive) - [ ### Partner Remuneration Calculator Book profit slab ceiling for working partners, the 12 percent interest cap and 194T TDS at 10 percent. Open calculator](/calculators/partner-remuneration) - [ ### House Property Income Calculator Self-occupied and let-out property, the 30 percent standard deduction, interest limits and the ₹2,00,000 set-off cap. Open calculator](/calculators/house-property) - [ ### ESOP Tax Calculator Perquisite on exercise at slab rates, capital gains on sale from the FMV already taxed, and the start-up deferral. Open calculator](/calculators/esop) - [ ### Section 89 Relief Calculator Salary arrears spread back to the years they relate to, with the A minus B relief that goes into Form 39 (formerly Form 10E). Open calculator](/calculators/relief-89) - [ ### Section 80G Deduction Calculator Adjusted gross total income, the 10 percent qualifying limit, the four donee categories, the ₹2,000 cash rule and the tax saved. Open calculator](/calculators/section-80g) - [ ### Crypto Tax Calculator Flat 30 percent on VDA gains with only the cost deductible, 1 percent TDS on the sale, and losses that cannot be set off. Open calculator](/calculators/crypto-tax) ## GST Rates, inclusive and exclusive values, and input tax credit reversals. - [ ### GST Calculator Work out GST on any invoice value, inclusive or exclusive, across the current 5, 18 and 40 percent slabs. Open calculator](/calculators/gst) - [ ### ITC Reversal Calculator Apportion common ITC between taxable, exempt and personal use under CGST Rules 42 and 43. Open calculator](/calculators/itc-reversal) - [ ### GST Late Fee Calculator Estimate section 47 late fee, return-wise caps, 18 percent interest and the 3-year filing bar for delayed GST returns. Open calculator](/calculators/gst-late-fee) - [ ### Reverse Charge Calculator Reverse charge tax on a notified supply, the cash it costs and the credit that offsets it in the same return. Open calculator](/calculators/rcm) - [ ### Composition Scheme Calculator Composition tax for a quarter or a year, the turnover ceiling that applies and the CMP-08 payment date. Open calculator](/calculators/composition-scheme) - [ ### GST Rate Change Finder Search major 2025 GST rate changes and estimate the tax difference on a taxable value. Open calculator](/calculators/gst-rate-change-finder) ## TDS & Compliance Section-wise deduction, interest, late fees and MSME disallowance. - [ ### MSME 43B(h) Calculator Test a supplier invoice against the 15 or 45 day MSME window and see the disallowance and year of allowance. Open calculator](/calculators/msme-43b) - [ ### TDS 194Q Calculator Compute 0.1% TDS on purchases above ₹50 lakh and check the ₹10 crore turnover test for 194Q. Open calculator](/calculators/tds-194q) - [ ### TDS Interest Calculator Work out interest for late TDS deduction or deposit plus the ₹200 a day fee for a late quarterly return. Open calculator](/calculators/tds-interest) - [ ### TDS Calculator Section-wise TDS rates, thresholds and due dates for FY 2026-27 under the Income-tax Act 2025. Open calculator](/calculators/tds) - [ ### TDS on Property & Rent Calculator 1% on a property purchase of ₹50 lakh or more and 2% on rent above ₹50,000 a month, with the form and due date. Open calculator](/calculators/tds-property-rent) ## Corporate & Audit Deferred tax, depreciation, advance tax and minimum alternate tax. - [ ### DTA / DTL Calculator Work out deferred tax asset and liability from timing differences under AS 22 or Ind AS 12. Open calculator](/calculators/dta) - [ ### Depreciation Calculator Compute book depreciation under Schedule II and tax depreciation on blocks of assets in one place. Open calculator](/calculators/depreciation) - [ ### Advance Tax Calculator Plan advance tax instalments and quantify interest for shortfall or deferment before you pay. Open calculator](/calculators/advance-tax) - [ ### MAT / AMT Calculator Compute minimum alternate tax on book profit and alternate minimum tax on adjusted total income. Open calculator](/calculators/mat-amt) - [ ### Managerial Remuneration Calculator The 11 per cent overall ceiling, the per-director limbs, and the Schedule V slabs where profits are nil or inadequate. Open calculator](/calculators/managerial-remuneration) - [ ### Business Entity Tax Comparison All-in tax on one profit figure as a proprietor, a firm or LLP and a private limited company, including tax on dividend. Open calculator](/calculators/entity-comparison) - [ ### MCA Fee Calculator Normal fee, late filing additional fee and SH-7 capital fee for companies and LLPs, with the days of delay counted for you. Open calculator](/calculators/mca-fees) ## Salary & Retirement Take-home pay, HRA, gratuity, leave encashment, EPF and pension entitlements. - [ ### HRA Exemption Calculator The least-of-three HRA test for FY 2026-27, including the eight cities that now qualify at 50%. Open calculator](/calculators/hra) - [ ### Gratuity Calculator The 15/26 gratuity formula, the rounding rule and the ₹20 lakh exemption ceiling. Open calculator](/calculators/gratuity) - [ ### NPS Calculator Corpus projection, the compulsory annuity, and which 80CCD deductions survive the new regime. Open calculator](/calculators/nps) - [ ### EPS Pension Calculator Monthly EPS-95 pension from pensionable salary, service weightage and early pension cuts. Open calculator](/calculators/eps) - [ ### Leave Encashment Calculator The least-of-four exemption test, the ₹25 lakh lifetime ceiling and the 30 days a year cap. Open calculator](/calculators/leave-encashment) - [ ### EPF Calculator EPF contributions, the EPS split and the corpus at retirement, compounded at the notified 8.25%. Open calculator](/calculators/epf) - [ ### Take-Home Salary Calculator CTC to gross to in-hand pay, monthly and annual, compared under the old and the new regime. Open calculator](/calculators/salary) - [ ### Statutory Bonus Calculator Eligibility, the wage base after the calculation ceiling, and the bonus between 8.33% and 20% under the Code on Wages. Open calculator](/calculators/bonus) - [ ### ESI Contribution Calculator Employee and employer ESI contributions, the wage ceiling test and the contribution period the wage month falls in. Open calculator](/calculators/esi) ## Banking & Advisory CMA data, financial ratios and net worth for bank proposals and certificates. - [ ### CMA Data and MPBF Calculator Compute the working capital gap, MPBF under both Tandon methods, and the current ratio each one implies. Open calculator](/calculators/cma) - [ ### Financial Ratio Calculator Run the eight ratios a credit officer reads off a balance sheet, each with a short read on where a bank would object. Open calculator](/calculators/ratio-analysis) - [ ### Net Worth Calculator Net worth under section 2(57), item by item, plus the tangible net worth a bank or a tender asks a CA to certify. Open calculator](/calculators/net-worth) - [ ### NPV & IRR Calculator NPV, IRR, payback and the profitability index for up to eight years of cash flows, read against the discount rate. Open calculator](/calculators/npv-irr) - [ ### Working Capital Cycle Calculator Inventory, receivable and payable days, the operating and cash conversion cycles, and the working capital each day of it ties up. Open calculator](/calculators/working-capital-cycle) - [ ### Break-Even Calculator Contribution, break-even units and revenue, the volume for a target profit, and the margin of safety at expected sales. Open calculator](/calculators/break-even) ## Loans & Investments EMI schedules, SIP growth and fixed deposit maturity. - [ ### EMI Calculator Work out the monthly instalment, total interest and prepayment savings on any loan. Open calculator](/calculators/emi) - [ ### SIP Calculator Project what a monthly mutual fund SIP could grow to, and what tax applies when you redeem. Open calculator](/calculators/sip) - [ ### FD Calculator Find the maturity value and effective yield of a fixed deposit, and the tax due on the interest. Open calculator](/calculators/fd) ## Valuation Pre-money, post-money, investment and equity dilution. - [ ### Startup Valuation Calculator Enter any two of investment, equity, pre money and post money to get the other two, plus dilution. Open calculator](/calculators/startup-valuation) ## Run these on your actual books, not on typed-in figures Inside Aalekh the same calculations read your client data directly. Depreciation imports the asset register from Tally, the MSME 43B(h) working pages through your payables ledger, and every result flows into the financial statements and the return without re-keying. [Get Started](/page-pricing)[See all features](/page-features) FAQ ## Questions about these calculators Are these calculators free to use? Yes. Every calculator on this page is free and needs no sign-up. Each one shows the formula it applies, the rates it uses and the financial year those rates belong to, so you can check the working rather than trust a black box. Which financial year do these calculators use? Each page states the financial year and assessment year its rates apply to, and carries the date it was last reviewed. Where a rule changed mid-year or a Budget revised a threshold, the page says so instead of quietly applying one version. Can I rely on these for filing a return? They are built to be accurate and every rate is sourced from the department or ministry that published it, with the source linked at the bottom of each page. They are still a working aid, not professional advice, so confirm anything material with your Chartered Accountant before you file. What is the difference between these and the calculators inside Aalekh? These pages are standalone and take figures you type in. Inside Aalekh the same calculations run on your actual books: the depreciation calculator pulls the asset register from Tally, the MSME 43B(h) working reads your payables ledger, and the results carry through to the financial statements and the return. Do the calculators cover both the old and new tax regimes? Yes, wherever the distinction matters. The new regime is the default regime, and several exemptions such as HRA are not available under it, so each affected page flags which regime the figure applies to rather than assuming one. How often are the rates updated? After every Budget and whenever a notification, circular or rule change affects a figure on a page. The review date printed on each calculator tells you when it was last checked against the source. --- ## Machine-readable index - Site summary for LLMs: https://www.aalekh.ai/llms.txt - Sitemap: https://www.aalekh.ai/sitemap.xml - All pages: https://www.aalekh.ai/ This page is also available as HTML at the same URL. Request it with `Accept: text/html`, or request `Accept: text/markdown` for this rendering.