Calculators
165 tax, GST and finance calculators
Income tax under both regimes, capital gains, HRA, TDS on property, advance tax interest, GST, EMI, NRI tax and more. Each calculator shows its working and the year it applies to. Results are estimates for the figures you enter and are general information only.
Direct tax
Income tax under the old and new regimes, capital gains, HRA, deductions, advance tax and interest.
- Income tax calculatorEstimate income tax for an individual under the old and new regimes, including surcharge and cess, for the selected tax year.
- Tax saving optimizerPlan how to use deductions across investments, insurance and home loan, and compare the old and new regimes. Uses the figures you enter.
- Tax scenario comparison toolCompare up to four tax scenarios with different regimes, deductions and incomes, side by side. Uses the figures you enter.
- Reverse tax calculator for target take-homeFind the gross salary required to reach a target take-home amount after tax, by working backwards from the net figure.
- Section 87A rebate calculatorCheck whether a resident individual gets the Section 87A rebate and how marginal relief affects tax near the limit.
- Surcharge and marginal relief calculatorCalculate surcharge by income band and the marginal relief at each threshold for individuals and HUFs. Uses the figures you enter.
- Capital gains tax calculatorCompute short-term and long-term capital gains tax on shares, mutual funds, property and other assets for the selected tax year.
- LTCG on listed equity shares calculatorCompute long-term capital gains tax on listed equity shares and equity fund units, including the annual exempt limit.
- Equity LTCG harvesting calculatorEstimate how much long-term equity gain to realise each year to use the annual exemption limit. Uses the figures you enter.
- STCG on listed equity shares calculatorCompute short-term capital gains tax on listed equity shares and equity fund units held for a short period. Uses the figures you enter.
- Section 50AA debt fund gains calculatorWork out the gain on specified mutual funds and market-linked debentures taxed at slab rate with no indexation benefit.
- Cost inflation index calculatorIndex the purchase cost of an asset with the cost inflation index and compute the long-term gain where it applies.
- Section 50C stamp duty value calculatorCheck whether the stamp duty value replaces the agreement value when computing capital gains on land or buildings.
- Section 43CA stamp duty value calculatorCheck the stamp duty value deemed as sale value when a builder or developer sells property held as stock-in-trade.
- HRA exemption calculatorCalculate house rent allowance exemption from basic salary, rent paid and city, and see the taxable HRA for the selected year.
- HRA or Section 80GG rent relief calculatorCheck whether HRA exemption or the Section 80GG rent deduction applies, and estimate the relief for the period.
- Advance tax and interest calculatorCalculate advance tax instalments and the interest for late or short payment for the selected assessment year.
- CTC structure and take-home calculatorBreak a CTC into salary components and estimate monthly take-home pay under the old and new tax regimes. Uses the figures you enter.
- Gratuity, leave encashment, VRS and pension exemptionFind the tax-exempt part of gratuity, leave encashment, voluntary retirement compensation and commuted pension.
- Pension commutation exemption calculatorFind the tax-free portion of a lump sum received for commuting a part of pension. Based on the details you enter.
- ITR form pickerFind out which income tax return form, from ITR-1 to ITR-7, applies to your income sources and status. Uses the figures you enter.
- Home loan interest deduction calculatorWork out the home loan interest deduction for a self-occupied or let-out house, including pre-construction interest.
- House property income calculatorCompute income from house property: gross annual value, net annual value and the deductions under the Act. Uses the figures you enter.
- First home loan interest deduction, Section 80EEACheck the extra deduction on home loan interest for a first-time buyer, beyond the usual limit for house property.
- First home interest deduction, Section 80EECheck the older extra deduction on home loan interest for a first home in the specified loan year. Uses the figures you enter.
- Stamp duty and registration calculatorEstimate stamp duty and registration charges on a property purchase by state and the value of the transaction.
- Chapter VI-A deductions calculatorSee how much of each Chapter VI-A deduction you have used and the headroom left under the old regime. Uses the figures you enter.
- Health insurance deduction calculator, Section 80DWork out the health insurance deduction for self, family and parents, with the senior citizen and checkup limits.
- Donation deduction calculator, Section 80GWork out the deduction for donations to approved funds and charities, based on the category and limit. Uses the figures you enter.
- Research and rural donation deduction, Section 80GGACheck the deduction for donations to scientific research and rural development for taxpayers without business income.
- Savings interest deduction, Section 80TTA and 80TTBCheck the deduction for interest on savings accounts and, for senior citizens, deposits, under the old regime.
- Political donation deduction, Section 80GGB and 80GGCCheck the deduction for donations to registered political parties and electoral trusts, with the conditions. Uses the figures you enter.
- ESOP and RSU tax calculatorEstimate tax on ESOP, RSU and sweat equity at exercise as a perquisite and again on sale as capital gain. Uses the figures you enter.
- Share buyback tax calculatorEstimate tax on a company's share buyback for the selected period, under the rules that applied before and after the recent changes.
- Dividend tax and TDS calculatorEstimate tax and TDS on dividend income, and the deduction for dividends passed on, for the selected year. Uses the figures you enter.
- Capital gain reinvestment exemption plannerPlan the exemption on long-term capital gains by reinvesting in a house, bonds or a new residential property. Uses the figures you enter.
- Section 54EC capital gain bonds calculatorCheck the exemption on land or building gains when invested in specified bonds within the permitted period. Uses the figures you enter.
- Section 54GB property to startup calculatorCheck the exemption on gains from residential property sold and invested in the shares of an eligible startup company.
- Section 54B agricultural land exemptionCalculate the exemption on gains from selling agricultural land when you buy new agricultural land within the prescribed period.
- Slump sale capital gains calculatorCompute the capital gain on a slump sale from the consideration and the net worth of the undertaking transferred.
- Section 80IAC startup deduction calculatorEstimate the profit deduction for an eligible startup over the permitted block of years, based on its profits and years of claim.
- Section 10AA SEZ deduction calculatorEstimate the profit deduction for a unit in a Special Economic Zone over the years of the tax holiday. Uses the figures you enter.
- Section 89(1) salary arrears relief calculatorCalculate relief on salary arrears or advance salary received, by spreading the amount over the years it relates to.
- Section 80GG rent deduction calculatorCheck the rent deduction for tenants who receive no HRA, based on the lowest of the three prescribed limits. Uses the figures you enter.
- Disability deduction calculator for 80U and 80DDFind the flat deduction for a taxpayer with a disability or for a dependent with a disability. Uses the figures you enter.
- Medical deduction calculator for 80D and 80DDBEstimate the deduction for health insurance premium and for treatment of specified diseases. Uses the figures you enter.
- Section 80JJAA employment deduction calculatorEstimate the deduction for the extra employee cost of new workers, claimed over three consecutive years. Uses the figures you enter.
- Agniveer corpus fund deduction calculatorCheck the deduction for contributions to the Agniveer Corpus Fund by the personnel and the Central Government.
- MAT and AMT calculatorCompare normal tax with minimum alternate tax for a company, or alternate minimum tax for other taxpayers, for the selected year.
- Crypto and virtual digital asset tax calculatorTotal the gains on each transfer of virtual digital assets, apply the flat tax rate and compare it with the TDS shown.
- Futures and options tax calculatorCompute the income from futures and options trading as non-speculative business income, with turnover for audit purposes.
- Gift tax calculator under Section 56(2)(x)Check whether a gift of money or property is taxable in the hands of the receiver and how much is added to income.
- Angel tax calculator, Section 56(2)(viib)Estimate the excess share premium taxed in a closely held company; check the tax year as the provision has changed.
- Company tax regime comparison, Section 115BAA and 115BABCompare the normal rate of company tax with the concessional regimes that give up certain deductions. Uses the figures you enter.
- Co-operative society tax calculatorCompare the tax of a co-operative society at the concessional rates with tax at the normal rates. Uses the figures you enter.
- Partnership firm interest and remuneration limitWork out the interest and remuneration to partners that a firm or LLP can claim as a deduction. Uses the figures you enter.
- HUF tax plannerCompare the tax of a family with and without a Hindu Undivided Family, which has its own PAN and slab. Uses the figures you enter.
- Loss set-off and carry forward plannerPlan the set-off of losses against income of the same and other heads, and the carry forward to later years. Uses the figures you enter.
- Change of shareholding and loss carry forwardTest whether a closely held company can carry forward its losses after a change in shareholding. Uses the figures you enter.
- Loss carry forward on amalgamationEstimate the business loss and unabsorbed depreciation that pass to the amalgamated company if the conditions are met.
- TDS disallowance calculator for Section 40(a)Estimate the expense disallowed when tax was not deducted or deposited on time, for a resident or non-resident payee.
- Section 14A exempt income disallowanceCompute the expenditure disallowed against exempt income using the prescribed formula on average investments. Uses the figures you enter.
- ULIP maturity tax calculatorCheck whether ULIP maturity proceeds are exempt or taxed, based on the premium paid and the date of issue. Uses the figures you enter.
- Life insurance maturity tax, Section 10(10D)Check whether life insurance maturity proceeds are exempt, based on the premium to sum assured ratio and annual premium limits.
- Lottery and online gaming winnings taxEstimate tax on winnings from lotteries, games and online gaming, which are taxed at a flat rate. Uses the figures you enter.
GST
GST on invoices, returns, interest, late fees, refunds, composition and e-way bills.
- GST calculatorAdd or remove GST from an amount, split it into CGST, SGST and IGST, and check input tax credit that is blocked.
- GST tax invoice generatorPrepare a GST tax invoice with automatic numbering, tax split and details of the buyer and seller. Uses the figures you enter.
- HSN and SAC code lookupSearch HSN and SAC codes and the GST rate that applies, for the more common goods and services. Uses the figures you enter.
- GSTR-2B reconciliation toolMatch your purchase register with GSTR-2B to find mismatches in input tax credit before filing. Uses the figures you enter.
- GST refund calculatorCompute GST refund for exports and inverted duty structures using the prescribed formulae. Uses the figures you enter.
- GSTR-9 and 9C applicability checkerCheck whether the GST annual return and reconciliation statement apply to your turnover, and the due date. Uses the figures you enter.
- GST late fee and interest calculatorCompute the GST late fee for GSTR-1 and GSTR-3B and the interest on late payment of tax separately. Uses the figures you enter.
- GST interest calculator, Section 50Calculate interest on late payment of GST and on excess input tax credit taken and used. Uses the figures you enter.
- QRMP scheme eligibility checkerCheck eligibility for quarterly returns with monthly payments, and the schedule of returns and payments. Uses the figures you enter.
- GST e-invoice applicability checkerCheck whether e-invoicing is mandatory for your business based on turnover and the type of invoice. Uses the figures you enter.
- GST credit note and debit note time limitCheck the last date to issue a credit note and the time to reflect a debit note under GST. Uses the figures you enter.
- GST on goods transport agency servicesCheck GST on goods transport agency services at the default rate and the reverse charge, based on the option chosen.
- GST on import of services calculatorCalculate the integrated GST payable by the recipient on services received from outside India and the credit. Uses the figures you enter.
- GST on real estate calculatorEstimate the GST rate on residential and commercial property sales and how input tax credit is treated. Uses the figures you enter.
- Customs duty calculatorCompute the customs duty on imported goods, including basic duty, social welfare surcharge and integrated tax.
- GST composition scheme eligibility checkerCheck eligibility for the GST composition scheme and estimate the tax at the flat rate for your type of business.
- GST reverse charge deciderCheck whether GST is payable by the recipient under the reverse charge mechanism and what to report. Uses the figures you enter.
- E-way bill requirement checkerCheck whether an e-way bill is required for a movement of goods based on value, distance and the type of movement.
- GST place of supply checkerFind the place of supply for goods or services to decide whether the supply is within a state or between states.
TDS and TCS
TDS and TCS rates, thresholds and late interest, including TDS on property and salary.
- TDS calculator and rate finderFind the TDS rate, threshold and tax to deduct for a payment, across the common sections, for the selected year.
- TCS calculator, Section 206CCalculate tax collected at source on specified sales and receipts, and the rate that applies to the transaction.
- TDS late filing fee and interest calculatorEstimate late fee, penalty range and interest for TDS returns and deposits made after the due date. Uses the figures you enter.
- Salary TDS calculator, Section 192Estimate the monthly tax an employer deducts from salary, on the average rate basis, with declarations considered.
- EPF withdrawal TDS calculatorEstimate TDS on early withdrawal from a provident fund account, with and without PAN, for the payment year. Uses the figures you enter.
- Form 16 generatorPrepare a preview of Form 16 for salary, showing the TDS summary and the computation of the employee's tax. Uses the figures you enter.
- PAN and Aadhaar link status guideKnow the steps for checking the PAN and Aadhaar link on the income tax portal and what to do for each message.
- Contractor TDS calculator, Section 194CCalculate TDS on payments to contractors and sub-contractors, with single payment and annual limits. Uses the figures you enter.
- Rent TDS for businesses, Section 194ICalculate TDS on rent for land, building, plant and machinery paid by businesses under audit. Uses the figures you enter.
- Professional fees TDS, Section 194JCalculate TDS on professional fees and technical services above the threshold at the rates for each type. Uses the figures you enter.
- Commission TDS calculator, Section 194HCalculate TDS on commission or brokerage paid for buying or selling goods and for services. Uses the figures you enter.
- Section 194Q and 206C(1H) deciderDecide whether tax is deducted on a purchase of goods or collected on a sale of goods, based on turnover and the amount.
- E-commerce operator TDS calculatorEstimate TDS on payments to e-commerce participants, checking the year, the seller's status and the base amount.
- Winnings TDS calculator, Section 194B and 194BACalculate TDS on winnings from lotteries, games and online gaming, including net winnings in online games. Uses the figures you enter.
- Personal payments TDS, Section 194MCalculate TDS by individuals and HUFs on payments to contractors and professionals above the annual limit. Uses the figures you enter.
- Compulsory acquisition TDS, Section 194LACalculate TDS on compensation paid for compulsory acquisition of immovable property above the threshold. Uses the figures you enter.
- Investment fund distribution TDS, Section 194LBBCalculate TDS on income distributed by Category I and II alternative investment funds to investors. Uses the figures you enter.
- Securitisation trust TDS, Section 194LBCCalculate TDS on income distributed by a securitisation trust to investors, by investor type and treaty rate. Uses the figures you enter.
- Partner payment TDS, Section 194TCalculate TDS on salary, interest, remuneration and bonus paid by a firm to its partners above the annual limit.
- Cash withdrawal TDS, Section 194NCalculate TDS on large cash withdrawals from banks and post offices, which differs for filers and non-filers. Uses the figures you enter.
- Rent TDS for individuals, Section 194IBCalculate TDS by an individual or HUF tenant on monthly rent above the limit, without a TAN. Uses the figures you enter.
- Property purchase TDS, Section 194IAEstimate TDS on the purchase of immovable property from a resident seller, on the higher of the consideration and stamp duty value.
- Form 15G and 15H eligibility checkerCheck whether you can submit Form 15G or 15H to avoid TDS on interest, by answering a few questions. Uses the figures you enter.
Compliance
Due dates, audit limits, presumptive income, penalties, payroll contributions and depreciation.
- Compliance calendarTrack statutory due dates for income tax, GST, TDS and other filings, with countdowns to the next dates. Uses the figures you enter.
- Tax audit applicability checker, Section 44ABCheck whether a tax audit is required, the related penalty, and the deadline for the audit report. Uses the figures you enter.
- Presumptive taxation calculator, 44AD, 44ADA, 44AECheck eligibility for presumptive taxation and compare deemed profit with normal computation for business and professions.
- Presumptive tax for professionals, Section 44ADAEstimate presumptive income for specified professionals at a fixed share of receipts and compare it with actual profit.
- Presumptive tax for goods carriages, Section 44AEEstimate the presumptive income of a goods carriage owner on a per-vehicle basis for the year. Uses the figures you enter.
- Professional tax calculator by stateFind the professional tax payable on salary in each state, deducted by the employer and remitted to the state.
- Statutory bonus calculatorCalculate the statutory bonus under the Payment of Bonus Act, with the minimum and maximum percentages and wage ceiling.
- ESI contribution calculatorCompute employer and employee contributions under the Employees' State Insurance Act on monthly wages. Uses the figures you enter.
- EPF and ESI late payment damages calculatorEstimate damages on late deposit of provident fund and state insurance contributions, at the graded rates. Uses the figures you enter.
- Depreciation calculator under the Income-tax ActCompute depreciation on up to ten blocks of assets on the written down value method, including additional depreciation.
- MSME classification and payment checkClassify an enterprise as micro, small or medium by investment and turnover, and check the payment timeline for MSME suppliers.
- MSME 45-day payment rule, Section 43B(h)Check whether payments to micro and small suppliers made late are disallowed in the year, using the 45-day rule.
- Statutory dues allowed on payment basisCheck which statutory dues are allowed only when paid, and the effect on taxable profit for the year. Uses the figures you enter.
- Digital payment modes, Section 269SUCheck whether a business must offer prescribed electronic modes of payment based on its turnover, and the penalty for default.
- Thin capitalisation interest limit calculatorFind how much interest paid to foreign associated enterprises is limited under the thin capitalisation rule. Uses the figures you enter.
- Late filing fee calculator for Section 234FCalculate the fee for filing an income tax return after the due date, with interest for delay on the unpaid tax.
- Interest on excess refund calculatorEstimate the interest payable by a taxpayer when a refund granted earlier is found to be excessive on assessment.
- Interest on refund calculatorEstimate the interest the Department pays on a refund of excess tax, TDS or advance tax for the delay period. Uses the figures you enter.
- Late fee and penalty calculatorEstimate late fees and penalties for income tax returns, TDS and GST, and the interest that accompanies each. Uses the figures you enter.
- Unexplained income tax, Section 115BBEEstimate tax at the special rate on unexplained credits, investments and expenditure, with surcharge and cess.
- Under-reporting penalty, Section 270AEstimate the penalty on under-reported or misreported income as a percentage of the tax on that income. Uses the figures you enter.
- Cash transaction limits, Section 269ST, 269SS and 269TCheck cash receipts, loans and repayments against the statutory limits and the penalty for default. Uses the figures you enter.
- Cash payment disallowance, Section 40A(3)Estimate the expenditure disallowed when a business pays above the cash limit to one person in a day. Uses the figures you enter.
- AIS and Form 26AS reconciliation toolCompare entries from AIS or Form 26AS with the amounts you declared and flag the differences to check. Uses the figures you enter.
- Updated return calculator, ITR-UEstimate the additional tax and fee for filing an updated return under Section 139(8A) in the permitted period.
- Form 3CEB applicability checkerCheck whether Form 3CEB, the report on international transactions with associated enterprises, is required for your transactions.
- Trust registration guide, Section 12AB and 80GUnderstand the registration cycle for charitable trusts, the forms used and the validity period of each registration.
- Trust income application calculatorCheck whether a registered trust has applied the required share of income and see the amount that can be accumulated.
Money and loans
EMI, PPF, NPS, retirement, fixed deposits and other personal finance planning.
- EMI and loan amortisation calculatorCalculate the monthly instalment on a loan, view the repayment schedule and see the effect of prepayments. Uses the figures you enter.
- NPS corpus and pension calculatorProject the National Pension System corpus, the annuity share, the tax-free lump sum and the monthly pension. Uses the figures you enter.
- EPS pension calculatorEstimate the monthly pension under the Employees' Pension Scheme from the pensionable salary and service. Uses the figures you enter.
- PPF maturity calculatorCalculate the maturity value of a Public Provident Fund account, including the 15-year term and extensions. Uses the figures you enter.
- Taxable provident fund interest calculatorWork out the taxable interest on employee provident fund contributions above the annual limit. Uses the figures you enter.
- Sukanya Samriddhi Yojana calculatorEstimate the balance and maturity value of a Sukanya Samriddhi account for the girl child over the full term. Uses the figures you enter.
- Senior citizens savings scheme calculatorCalculate quarterly interest and total returns on a Senior Citizens Savings Scheme deposit, with the maturity and extension.
- Retirement corpus calculatorEstimate the corpus needed at retirement to meet expenses that rise with inflation, using a replacement ratio.
- Children's education corpus calculatorProject the future cost of a degree with education inflation and estimate the monthly saving needed to reach it.
- Life insurance need calculatorEstimate the life cover needed with the human life value and DIME methods, to help size a term insurance cover.
- Personal net worth statementPrepare a statement of your assets and liabilities to see your net worth at a point in time. Uses the figures you enter.
- Investment returns calculatorProject the value of a SIP, PPF, fixed deposit or NPS investment over your chosen period. Uses the figures you enter.
- SIP and ELSS comparison calculatorCompare a SIP or lump sum with an ELSS investment, including long-term gains tax and the tax saved under the old regime.
- Sovereign gold bond return calculatorEstimate the interest, redemption value and tax treatment of a sovereign gold bond for the chosen holding period.
- REIT and InvIT taxation calculatorSplit distributions from REITs and InvITs into interest, dividend and return of capital, and estimate the tax.
- FD and RD post-tax return calculatorEstimate the maturity amount, post-tax yield and TDS on a bank fixed deposit or recurring deposit. Uses the figures you enter.
- Education and electric vehicle loan interest deductionWork out the deduction for interest on an education loan and on an electric vehicle loan, subject to the limits.
NRI and cross-border
Residential status, DTAA, NRI repatriation, foreign tax credit and cross-border TDS.
- NRI residential status checkerEstimate the residential status of an individual based on days of stay in India during the year and earlier years.
- NRO and NRE repatriation guideCheck repatriation limits from NRO accounts, and find which forms are needed for remittances abroad. Uses the figures you enter.
- DTAA withholding rate finderLook up indicative withholding tax rates for payments to non-residents under India's tax treaties. Uses the figures you enter.
- TDS on payments to non-residents, Section 195Estimate TDS on payments to non-residents under the Act or a treaty, with the higher rate where no PAN is given.
- Form 10F declaration guideUnderstand when a non-resident must furnish Form 10F with a tax residency certificate to claim a treaty benefit.
- Schedule FA foreign asset disclosure guideCheck which foreign assets and income must be reported in the return of a resident, and the penalty for non-disclosure.
- Foreign portfolio investor tax calculatorEstimate tax on income of a foreign portfolio investor at the special rates applied on a gross basis. Uses the figures you enter.
- Foreign tax credit calculator for Form 67Work out the foreign tax credit as the lower of foreign tax paid and Indian tax on the same income. Uses the figures you enter.
- LRS and TCS on foreign remittanceEstimate tax collected at source on remittances abroad under the Liberalised Remittance Scheme for different purposes.
- Foreign retirement benefit tax, Section 89AEstimate the tax treatment of foreign retirement accounts such as 401(k) and UK pension for resident Indians. Uses the figures you enter.
- Equalisation levy calculatorCompute the equalisation levy on online advertising and digital services paid to non-residents, where applicable.
Generators and utilities
Rent receipts and format checks for PAN, GSTIN and other identifiers.
- Rent receipt generatorGenerate a set of twelve monthly rent receipts as proof of rent for HRA, with the landlord's details. Uses the figures you enter.
- PAN, GSTIN and IFSC format validatorCheck the format and checksum of a PAN, GSTIN, TAN, IFSC or Aadhaar number offline, without storing any data. Uses the figures you enter.
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