Updated for FY 2026-27
Money maths for India, done right.
Free calculators and plain-English guides for tax, salary, loans and savings. No sign-up, no phone number, no sales calls.
- Old vs new regime, side by side
- Every formula and source shown
- No sign-up, no phone number
15 lakh
₹
Income tax a year (new regime)₹97,500
See the full breakdown ₹8,125 a month. Old regime without deductions: ₹2.57L.
What’s new in Indian money rules
- NewNo tax on salary up to ₹12.75 lakhNew regime, FY 2026-27
- NewEPF wage ceiling now ₹25,000From 17 September 2026
- NewPPF 7.1% · Sukanya 8.2%October to December 2026
- New50% HRA limit in 8 citiesBengaluru, Hyderabad, Pune, Ahmedabad added
- NewNo GST on health and term insuranceIndividual policies, since 22 September 2025
Calculators
Income tax
Slabs, regimes and deductions for FY 2026-27
Salary
From CTC to the money in your account
Loans
EMIs, interest and paying off early
Investing
SIPs, mutual funds and compounding
Savings schemes
PPF, FD, Sukanya Samriddhi and post office
- FD calculatorFixed deposit maturity value and interest.
- PPF calculatorTax-free PPF maturity at the current 7.1% rate.
- Sukanya Samriddhi calculatorSSY maturity for your daughter at 8.2%.
- RD calculatorRecurring deposit maturity at banks and the post office.
- SCSS calculatorQuarterly income from the Senior Citizens' Savings Scheme at 8.2%.
- Post Office MIS calculatorMonthly income from the Post Office Monthly Income Scheme at 7.4%.
- Post Office FD calculatorPost Office Time Deposit interest for 1 to 5 years, up to 7.5%.
- NSC calculatorNational Savings Certificate maturity at 7.7%.
- KVP calculatorKisan Vikas Patra doubles your money in 9 years 7 months.
Retirement and PF
EPF, gratuity and pension
Insurance
Term and health cover: how much you need and the tax it saves
Business and GST
GST and growth maths for traders and businesses
Popular searches
Guides
- Income taxOld vs new tax regime: which is better for you?Compare the old and new income tax regimes for FY 2026-27 with worked examples and the deductions you need for the old regime to win.
- Income taxNo tax up to ₹12 lakh: how the rebate and marginal relief workWhy salary up to ₹12.75 lakh is tax-free in the new regime, how marginal relief works just above ₹12 lakh, and what the rebate does not cover.
- Income taxIncome tax deductions for FY 2026-27Every major income tax deduction for FY 2026-27 with its limit and which regime allows it: 80C, 80D, NPS, HRA, home loan, standard deduction and more.
- SalaryCTC vs in-hand salary: where the money goesWhy your in-hand salary is lower than your CTC, what each part of a salary means, and a table of monthly in-hand pay from ₹6 lakh to ₹50 lakh CTC.
- InvestingSIP vs FD: which should you choose?Compare mutual fund SIPs and fixed deposits on returns, risk, tax and liquidity, with a 20-year example of ₹5,000 a month.
- LoansShould you prepay your home loan or invest?Should you prepay your home loan or invest the money? See how much prepayment saves on a ₹50 lakh loan and when investing comes out ahead.
- Savings schemesPPF rules: everything you need to knowEverything about the Public Provident Fund in 2026: the 7.1% rate, deposit limits, partial withdrawal, loans, extension after 15 years and tax.
- Savings schemesSmall savings interest rates for October to December 2026All small savings and post office interest rates for October to December 2026: PPF 7.1%, Sukanya Samriddhi 8.2%, SCSS 8.2%, NSC 7.7%, KVP, MIS, RD and time deposits.
- InsuranceTerm insurance: why it matters, with a worked exampleWhat term insurance is, why it matters if anyone depends on your income, how much cover to buy, and why term plus investing beats endowment plans.
- InsuranceHealth insurance: why you need your own policyWhy one hospital stay can undo years of saving, why office cover is not enough, how much cover to buy, and the IRDAI rules that now protect you.
- InsuranceSection 80D: the tax deduction for health insuranceThe 80D limits for FY 2026-27: ₹25,000 for your family, up to ₹50,000 more for parents, ₹1 lakh in all. Worked examples, check-ups, cash rules, new regime.
- Savings schemesPost office schemes compared: which one should you choose?Every post office savings scheme side by side: rate, term, how interest is paid, limits, tax and early exit, with ₹5 lakh worked through each.
- Savings schemesSCSS vs FD: which is better for senior citizens?Senior Citizens Savings Scheme at 8.2% against a bank FD: income on ₹30 lakh, safety, early exit, tax and TDS, and how to use both.
- InvestingTax harvesting: use your ₹1.25 lakh of tax-free gains every yearUse the ₹1.25 lakh yearly tax-free limit on long-term gains by selling and buying back. Worked example, step by step, and the catches to watch.
- Retirement and PFSWP for retirement income: how much can you take out each month?How long a retirement corpus lasts with a monthly SWP from mutual funds, how much you can safely take out, and how SWP is taxed compared with FD interest.
How we keep the numbers right
- Every rate and limit is checked against official sources. Last check: 24 October 2026.
- The maths is tested against published worked examples before each update.
- Each page shows its formula and its sources, so you can check them yourself.