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Run the numbers yourself.

The same quick calculations we run on client calls — income tax under both regimes, loan EMIs, GST and SIPs.

Quick tools

Four calculators, zero spreadsheets.

Pick a tab, type your figures, and the results update as you type. Everything runs in your browser — nothing you enter leaves this page.

Your income — FY 2025-26 (AY 2026-27)

80C, 80D, HRA, home loan interest etc. — counted only under the old regime.

Your tax, both ways

Better for you New regime
₹0

Default regime · incl. 4% cess

Better for you Old regime
₹0

With your deductions · incl. 4% cess

You save by choosing the better regime₹0
Effective tax rate on gross income0%

Includes the Section 87A rebate and marginal relief where they apply. Surcharge (above ₹50 lakh total income) is not included.

Your loan

What you'll pay

Monthly EMI
₹0
Principal borrowed₹0
Total interest over the tenure₹0
Total payment (principal + interest)₹0

Standard reducing-balance EMI — the same formula banks use, before processing fees and rounding.

Your invoice

GST added to your amount

Invoice total (incl. GST)
₹0
Base amount (before GST)₹0
CGST (half of GST)₹0
SGST (half of GST)₹0
Total GST₹0

CGST + SGST split shown for intra-state supplies; an inter-state supply charges the same total as IGST.

Your SIP

Where your SIP could land

Estimated value at the end
₹0
Total invested₹0
Wealth gain₹0

Assumes each instalment is invested at the start of the month and returns compound monthly at the rate you enter. Markets don't move in straight lines — treat this as a planning figure, not a promise.

These figures are indicative, computed for FY 2025-26 (AY 2026-27), and exclude surcharge — which applies above ₹50 lakh of total income. Please consult us before acting on any number you see here.

Reading the results

When the calculator and real life disagree.

Your employer deducts TDS on an estimate — your declared regime, projected investments and any other income you've reported — and spreads it over twelve months. This calculator computes the final liability on the figures you type in. The two meet when you file your return: excess TDS comes back as a refund, a shortfall is paid as self-assessment tax. Check Form 26AS and AIS to see exactly what has been deducted against your PAN.
The new regime is the default and, with the ₹75,000 standard deduction and the Section 87A rebate up to ₹12,00,000, it wins for most salaried taxpayers with modest deductions. The old regime pulls ahead only when your deductions are genuinely large — full 80C, 80D, HRA and home loan interest stacked together. Salaried taxpayers can choose afresh every year while filing; if you have business or professional income, opting out of the new regime needs Form 10-IEA and your switches are limited — so it's worth a proper working before you commit.
It uses the same reducing-balance formula, so it will be within a few rupees of the bank's figure. Small differences come from processing fees, the gap between disbursement date and first EMI (broken-period interest), daily versus monthly interest rests, and the bank's own rounding. On floating-rate loans the EMI or tenure also moves whenever the repo-linked rate resets — so treat the quote on your sanction letter as the operative number.

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