Free Financial Calculators for India
Accurate, always-updated calculators for Income Tax, GST, TDS, EMI, SIP, PPF, NPS, Capital Gains and more. Built and maintained by a practising Chartered Accountant for FY 2026-27.
Tools NEW
Tax & Compliance
6 calculatorsPlan your income tax, GST and capital gains liability with calculators updated for the latest Finance Act, including old regime vs new regime comparison, revised LTCG rates, and HRA exemption under section 10(13A).
Income Tax Calculator
Old regime vs new regime comparison with all deductions, surcharge and cess for FY 2026-27.
Calculate →Advanced Income Tax Calculator
Detailed head-wise computation with presumptive income, foreign tax credit and marginal relief.
Calculate →Advance Tax Calculator
Quarterly instalment schedule (15%, 45%, 75%, 100%) with interest under sections 234B and 234C.
Calculate →TDS Calculator
Section 194 / 195 TDS rates and threshold checks for FY 2026-27 (Finance Act 2025).
Calculate →Capital Gains Tax Calculator
Budget 2024 rates for STCG equity, LTCG equity, property grandfathering and indexation.
Calculate →GST Calculator
Add or remove GST at any rate with CGST, SGST and IGST split for inter-state and intra-state supply.
Calculate →Accounting
4 calculatorsBuild polished financial-statement workings with calculators for depreciation under both IT Act and Companies Act, break-even and contribution analysis, all 11 Schedule III mandatory ratios with previous-year comparison, and working capital assessment including MPBF under Tandon Method II.
Depreciation Calculator
IT Act WDV block depreciation and Companies Act SLM / WDV with 18 asset classes and a 5-year IT projection.
Calculate →Break-Even Calculator
Single-product break-even in units and value with contribution per unit, P/V ratio and margin of safety.
Calculate →Ratio Analysis Calculator
All 11 mandatory Schedule III ratios with current vs previous year, over-25% variance flag and Excel template upload.
Calculate →Working Capital Calculator
NWC, current and quick ratios, operating cycle and CCC, with MPBF assessment under Tandon Method II.
Calculate →Salary, Retirement & Savings
5 calculatorsModel your take-home, plan your retirement corpus and project long-term small-savings yield with calculators covering CTC structuring, gratuity under section 10(10), NPS with tier classification, and PPF’s 15-year compounding.
Salary / CTC Calculator
Break up CTC into basic, HRA, special allowance, PF and gratuity with monthly take-home projection.
Calculate →Gratuity Calculator
Section 10(10) exemption with the ₹20 lakh ceiling for covered and non-covered employees.
Calculate →NPS Calculator
Corpus projection to age 60 with 80CCD(1), 80CCD(1B) and 80CCD(2) tax benefit and annuity split.
Calculate →PPF Calculator
Year-wise balance for the 15-year lock-in with extension blocks and current interest rate.
Calculate →HRA Exemption Calculator
House Rent Allowance exemption u/s 10(13A) – 8-metro list, FY 2026-27.
Calculate →Loans & Investments
4 calculatorsPlan your loans and investments with month-wise amortisation, year-wise FD and RD maturity, and step-up SIP projections — each with printable schedules suitable for loan closure planning or investment reviews.
EMI Calculator
Month-wise principal and interest split for home loan, car loan and personal loan with full schedule.
Calculate →FD & RD Calculator
Quarterly compounding for fixed deposits and monthly compounding for recurring deposits.
Calculate →SIP Calculator
Regular SIP plus step-up SIP with year-wise wealth gain and invested amount comparison.
Calculate →Compound Interest Calculator
Lumpsum plus optional monthly or annual contributions with any compounding frequency, year-wise growth and inflation-adjusted real return.
Calculate →Free Excel Utilities — Now Live
Downloadable spreadsheets with full formulas, protected input cells and branded cover sheets. No registration required — download instantly.
Built by a Chartered Accountant
Every calculator is reviewed against the latest Finance Act and CBDT circulars.
Always Free
No registration, no paywall, no hidden upgrade for advanced scenarios.
FY 2026-27 Updated
Slabs, surcharge, cess and capital gains rates current as per the 2025 Finance Act.
About CalcGuru
CalcGuru is a free financial calculator hub for Indian taxpayers, salaried professionals, small business owners and finance students. Every calculator is built and verified by a practising Chartered Accountant, and updated every year for the new Finance Act.
If you have a suggestion for a new calculator or find a discrepancy in any of the existing tools, please reach out via the Contact page. Utility of these tools is improved entirely by user feedback.