Are these calculators updated for FY 2026-27?

Yes. The income tax calculator uses the FY 2026-27 slabs (Budget 2026 kept the Budget-2025 structure: zero tax up to ₹12 lakh via the ₹60,000 rebate, ₹75,000 standard deduction for salaried). Scheme calculators use the July–September 2026 official rates: PPF 7.1%, Sukanya Samriddhi 8.2%, SCSS 8.2%, NSC 7.7%, and EPF 8.25% for FY 2025-26.

Are the calculators free?

Yes — all 24 calculators are completely free, need no login, and run instantly in your browser. No data is sent to any server.

Which GST rates do you use?

The GST 2.0 slabs effective 22 September 2025: 5% merit rate, 18% standard rate, 40% on luxury/sin goods, plus 3% on gold and 0.25% on rough diamonds. The old 12% and 28% slabs were abolished.

Financial Calculators for India — Updated for FY 2026-27

Q: Is this financial advice?

No — these tools are for education and planning only. Verify results independently and consult a SEBI-registered adviser or a chartered accountant before financial decisions.

24 free tools on the latest official rules: the new income-tax regime (zero tax up to ₹12 lakh), PPF at 7.1%, Sukanya Samriddhi at 8.2%, EPF at 8.25%, GST 2.0 slabs and the new capital-gains rates. No login. Nothing leaves your browser.

Rates verified 8 July 2026 · small-savings rates for July–September 2026 (Q2 FY 2026-27)

📈 Investment & Wealth

📈

SIP Calculator

Monthly SIP → maturity corpus, invested amount and wealth gain with a year-by-year growth chart.

🪜

Step-up SIP Calculator

SIP with a yearly increase (e.g. +10% every year) — see how step-ups multiply the final corpus.

💰

Lumpsum Calculator

One-time investment growth at a chosen annual return — future value with year-wise chart.

🏧

SWP Calculator

Systematic Withdrawal Plan — how long a corpus lasts with monthly withdrawals, month-by-month.

🎯

Goal SIP Planner

Target ₹1 crore (or any goal)? Find the exact monthly SIP needed to reach it.

📐

CAGR Calculator

Compound annual growth rate from initial value, final value and years — plus absolute return.

🧾 Tax (FY 2026-27 ready)

🧾

Income Tax Calculator (FY 2026-27)

New vs old regime for FY 2026-27 & FY 2025-26 — latest slabs, ₹60k rebate (zero tax up to ₹12L), employer NPS/PF and the new ₹200/meal food-coupon exemption.

🏠

HRA Exemption Calculator

How much of your House Rent Allowance is tax-exempt (old regime) — metro/non-metro rules.

📊

Capital Gains Tax Calculator (Equity)

Latest rates: STCG 20%, LTCG 12.5% above ₹1.25L exemption — for listed shares & equity mutual funds.

🎁

Gratuity Calculator

15/26 formula on last drawn basic+DA — with the ₹20 lakh tax-free ceiling and rounding rules.

🧮

GST Calculator (GST 2.0 slabs)

Add or remove GST at the new 0.25/3/5/18/40% slabs (12% & 28% abolished from Sept 2025) with CGST/SGST split.

🏦 Loans & Salary

💼

In-Hand Salary Calculator

CTC → monthly take-home: PF, professional tax and FY 2026-27 income tax deducted automatically.

🏦

EMI Calculator (Home · Car · Personal)

Loan EMI, total interest and a year-wise amortization schedule for any home, car or personal loan.

🏛️ Govt & Bank Schemes

🏛️

FD Calculator

Fixed deposit maturity with quarterly compounding — cumulative or monthly/quarterly payout modes.

🗓️

RD Calculator

Recurring deposit maturity — monthly deposits with quarterly compounding, bank-style.

🛡️

PPF Calculator

Public Provident Fund at the current 7.1% — 15-year (extendable) tax-free corpus, year-wise table.

👧

Sukanya Samriddhi Calculator

SSY at the current 8.2% — deposit 15 years, maturity at 21, fully tax-free. Year-wise projection.

📜

NSC Calculator

National Savings Certificate at the current 7.7% — 5-year maturity with annual compounding.

👴

SCSS Calculator

Senior Citizens' Savings Scheme at 8.2% — quarterly payout income on up to ₹30 lakh.

🏢

EPF Calculator

Provident fund corpus at retirement — 8.25% rate, salary growth, employee 12% + employer 3.67%.

🧓

NPS Calculator

National Pension System — corpus at 60, lump sum vs annuity split, and estimated monthly pension.

🎯 Planning & Basics

🌅

Retirement Corpus Calculator

How big a corpus you need to retire — inflation-adjusted expenses — and the monthly SIP to get there.

🎈

Inflation Calculator

What today's money will be worth — future cost of expenses and erosion of savings' purchasing power.

🔁

Compound Interest Calculator

Compound growth with yearly/half-yearly/quarterly/monthly compounding — vs simple interest.

What changed recently — and what these calculators use

🧾 Income tax FY 2026-27

Budget 2026 changed nothing — the slabs from Budget 2025's revamp continue under the new Income-tax Act, 2025. New regime: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%. The ₹60,000 Section 87A rebate makes income up to ₹12 lakh tax-free (₹12.75 lakh for salaried with the ₹75,000 standard deduction), with marginal relief just above.

🏛️ Small savings (July–September 2026 (Q2 FY 2026-27))

Unchanged for the 9th straight quarter: PPF 7.1%, Sukanya Samriddhi 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%. EPF pays 8.25% for FY 2025-26 (being credited by mid-July 2026).

🧮 GST 2.0 (since 22 Sept 2025)

India moved to two main slabs — 5% and 18% — plus 40% on luxury/sin goods; 3% gold and 0.25% rough diamonds continue. The 12% and 28% slabs are abolished. Our GST calculator uses only the new slabs.

📊 Capital gains (since 23 Jul 2024)

Listed equity & equity funds: STCG 20%, LTCG 12.5% above a ₹1.25 lakh annual exemption; indexation removed for most assets. These rates continue for FY 2026-27.

Frequently asked questions

Are these calculators updated for the latest tax rules?

Yes — the income-tax and salary calculators use the FY 2026-27 slabs (identical to FY 2025-26; Budget 2026 made no slab changes), including the ₹60,000 rebate, marginal relief, surcharge and 4% cess. Scheme calculators use the official July–September 2026 (Q2 FY 2026-27) rates.

Do you store what I type?

No. Every calculation runs entirely in your browser with JavaScript — amounts you enter are never sent to our servers.

How accurate are the results?

Formulas follow the standard conventions used by banks, AMCs and the Income Tax Department (quarterly compounding for FDs, annuity-due for SIPs, slab-wise tax with rebate and marginal relief). Actual outcomes can differ due to rounding, fees, exact day counts and rule changes — treat results as close estimates for planning.

Is this financial advice?

No. Educational use only — consult a SEBI-registered investment adviser or a chartered accountant before acting.