Welcome to the CalcGuru Knowledge Centre — your free resource for clear, practical guides on Indian taxation, investments, and financial planning. Each article is written with worked examples so you can apply the concepts directly to your own situation.
Tax & Finance Guides
Income Tax Calculation Guide FY 2026-27
Step-by-step guide to calculating income tax under both old and new regimes for Assessment Year 2027-28. Includes slab rates, deductions and a worked example.
HRA Exemption — How to Calculate with Examples
Learn the three-condition HRA formula with metro and non-metro examples. Covers partial-year rent, owned property rules and documentation tips.
PPF vs NPS — Tax Saving Comparison
Compare Public Provident Fund and National Pension System across deduction limits, liquidity, returns and tax treatment at maturity to decide which suits you best.
Advance Tax — Calculation & Due Dates Guide
Understand who must pay advance tax, the four instalment due dates, how to calculate each tranche and the interest penalties under Sections 234B and 234C.
Capital Gains Tax Guide — STCG vs LTCG
Complete guide to short-term and long-term capital gains tax on equity, debt, real estate and gold. Covers Budget 2024 rate changes and the ₹1.25 lakh LTCG exemption.
CTC Structuring for Maximum Tax Savings — Finance Act 2026
Learn how to restructure your CTC to cut tax outgo in FY 2026-27. Covers Finance Act 2026 increases to meal coupons (₹200/meal), gift vouchers (₹15,000), children education allowance (₹3,000/month) with a full regime-wise table.
📊 Put the knowledge to work: Use our free online calculators — Income Tax, HRA, PPF, Advance Tax, Capital Gains, Salary/CTC and more.