EMI, amortization and total cost for personal, home, car, and education loans. Rates reflect current 2026 market averages.
Loan Details
Loan Amount (₹)
Interest Rate (% p.a.)
%
Tenure (Years)
yrs
Processing Fee (%)1.0%
Repayment Summary
Monthly EMI
₹0
Total Payment
₹0
Total Interest
₹0
Processing Fee
₹0
Interest as % of Principal
0%
Principal: ₹0
Interest: ₹0
Fee: ₹0
Monthly Principal vs Interest Breakdown
Year-wise Amortization
Year
Opening Bal
Principal
Interest
Cumul. Interest
Total Paid
Closing Bal
🟢 New Regime Calculator India — FY 2026-27
Default regime from FY 2026-27 · Simpler filing · Zero tax up to ₹12.75L
🟢 New Regime — FY 2026-27
Default regime. Standard deduction ₹75,000. No HRA/80C/80D deductions. Zero tax up to ₹12.75L (₹12L 87A rebate + ₹75K std deduction). Lower slab rates, simpler filing.
A — Fixed Pay
📌 Enter Basic salary from your CTC letter. HRA, Conveyance, Employer PF and Gratuity all auto-compute from it.
Basic Salary (₹/yr) ← Root value. Enter this first.
Fixed Pay A Total (₹/yr — from CTC letter)
Special Allowance = A − Basic − HRA − Conveyance (auto-fills as residual)
City Type
HRA50% of Basic
Conveyance15% of Basic
Special AllowanceResidual
Flexible Benefits (optional — employer-provided)
Food/Meal Coupons (₹/month) Both regimes
Non-cash — not to bank. Tax-exempt in both regimes (IT Act 2025).
Employer NPS 80CCD(2) (% of Basic) Both14% new · 10% old0% = ₹0/mo
To NPS account — not bank. Reduces taxable in both regimes.
Mobile Reimbursement (₹/mo) Both
B — Retirals (Employer provisions — not your cash)
PF goes to EPF account. Gratuity paid only on exit (5+ yrs). Neither comes to bank monthly.
PF Option
Employer PF12% of Basic
Employee PF12% of Basic
Gratuity %5.95%
Gratuity (₹/yr)% of Basic
Retirals Total (B)Employer PF + Gratuity
C — Variable Pay (Performance-based)
Fully taxable as salary. TDS spikes in the payment month.
Variable Pay Target (₹/yr)
Premium Bonus Target (₹/yr) CTC
Used for CTC total only
Last Year Bonus (₹) TAX
Used for tax calculation
Bonus Paid in Month
Expected Payout %100%
Variable pay actual = Target × this %
Premium Bonus Payout %100%
Premium bonus actual = Target × this %
Variable Frequency
Premium Frequency
Leave Encashment & Shift Allowance
💡 Leave Encashment (in-service): Fully taxable as salary. Value = Basic÷30 × days. Added in the selected month. | Shift Allowance: Fully taxable in both regimes — added every month.
Leave Encashment — Days to Encash
Payment Month
Amount
Shift Allowance (₹/month)
Other Income
Other Income (₹/yr)
CTC Summary — A + B + C
💳 Annual Payout Summary
Net to Bank
₹0
🏦
PF Account
₹0
🛡️
NPS
₹0
🌅
Coupons
₹0
🍽️
🟢 New Regime — Annual Tax
₹0
Monthly take-home (base)
₹0
0% effective
Monthly In-Hand — New Regime
Month-wise Take-Home — Full Year 🟡 = variable pay month
Month
Base Gross
Variable
Tax
Net in Hand
Full Year
New Regime — Tax Computation
🟢 Default regime from FY 2026-27. Income up to ₹12.75L = zero tax (₹12L 87A rebate + ₹75K std deduction).
🟡 Old Regime Calculator India — FY 2026-27
Deductions apply · HRA · 80C · 80D · Home Loan · Opt-in annually
🟡 Old Regime — FY 2026-27
Must opt-in at the start of the year. Standard deduction ₹50,000. Allows HRA, 80C, 80D, Home Loan Interest, LTA and other deductions. Higher slab rates but deductions can significantly reduce taxable income.
A — Fixed Pay
📌 Enter Basic salary from your CTC letter.
Basic Salary (₹/yr) ← Root value. Enter this first.
Fixed Pay A Total (₹/yr — from CTC letter)
Special Allowance = A − Basic − HRA − Conveyance (auto-fills as residual)
City Type
HRA50% of Basic
Conveyance15% of Basic
Special AllowanceResidual
Flexible Benefits (optional — employer-provided)
Food/Meal Coupons (₹/month) Both regimes
Non-cash — not to bank. Tax-exempt in both regimes (IT Act 2025).
Employer NPS 80CCD(2) (% of Basic) Both14% new · 10% old0% = ₹0/mo
To NPS account — not bank. Reduces taxable in both regimes.
Mobile Reimbursement (₹/mo) Both
B — Retirals (Employer provisions — not your cash)
PF goes to EPF account. Gratuity paid only on exit (5+ yrs). Neither comes to bank monthly.
PF Option
Employer PF12% of Basic
Employee PF12% of Basic
Gratuity %5.95%
Gratuity (₹/yr)% of Basic
Retirals Total (B)Employer PF + Gratuity
C — Variable Pay (Performance-based)
Fully taxable as salary. TDS spikes in the payment month.
Variable Pay Target (₹/yr)
Premium Bonus Target (₹/yr) CTC
Used for CTC total only
Last Year Bonus (₹) TAX
Used for tax calculation
Bonus Paid in Month
Expected Payout %100%
Variable pay actual = Target × this %
Premium Bonus Payout %100%
Premium bonus actual = Target × this %
Variable Frequency
Premium Frequency
Leave Encashment & Shift Allowance
💡 Leave Encashment (in-service): Fully taxable as salary. Value = Basic÷30 × days. Added in the selected month. | Shift Allowance: Fully taxable in both regimes — added every month.
Leave Encashment — Days to Encash
Payment Month
Amount
Shift Allowance (₹/month)
Old Regime Only — Deductions
⚠️ These deductions apply only in Old Regime. Employee PF auto-counts toward 80C (max ₹1.5L).
Monthly Rent (₹) HRA
LTA (₹/yr) Old
Books/Tel/PDA (₹/yr) Old
80D Medical (max ₹50k)
Home Loan Interest (max ₹2L)
NPS Self 80CCD(1B) (max ₹50k) Old regime only
Other Deductions (₹/yr)
Other Income (₹/yr)
Children Education Allowance Old only
Max ₹2,400/yr (2 children × ₹100/mo). FY 2026-27. Sec 10(14).
Children Hostel Allowance Old only
Max ₹7,200/yr (2 children × ₹300/mo). FY 2026-27. Sec 10(14).
VPF — Voluntary PF (₹/yr) Old regime only
Added to 80C pool (PF + VPF combined capped at ₹1.5L). No deduction benefit in New Regime.
CTC Summary — A + B + C
💳 Annual Payout Summary
Net to Bank
₹0
🏦
PF Account
₹0
🛡️
NPS
₹0
🌅
Coupons
₹0
🍽️
🟡 Old Regime — Annual Tax
₹0
Monthly take-home (base)
₹0
0% effective
Monthly In-Hand — Old Regime
Month-wise Take-Home — Full Year 🟡 = variable pay month
📊 Tax Simulation — For Planning Purposes Only
Estimated using FY 2026-27 slabs, 87A rebate & New Labour Code rules. Actual tax may vary based on complete income details and ITR filing. Use this to compare Old vs New Regime and plan your declarations — consult your CA for final filing.
A — Fixed Pay
📌 Enter Basic salary from your CTC letter. HRA, Conveyance, Employer PF and Gratuity all auto-compute from it. Special Allowance fills the residual.
Basic Salary (₹/yr) ← Root value. Enter this first.
Fixed Pay A Total (₹/yr — from CTC letter)
Special Allowance = A − Basic − HRA − Conveyance (auto-fills as residual)
City Type
HRA50% of Basic
Conveyance15% of Basic
Special AllowanceResidual
Flexible Benefits (optional — employer-provided)
Food/Meal Coupons (₹/month) Both regimes
Non-cash — not to bank. Tax-exempt in both regimes (IT Act 2025).
Employer NPS 80CCD(2) (% of Basic) Both14% new · 10% old0% = ₹0/mo
To NPS account — not bank. Reduces taxable in both regimes.
Mobile Reimbursement (₹/mo) Both
B — Retirals (Employer provisions — not your cash)
PF goes to EPF account. Gratuity paid only on exit (5+ yrs). Neither comes to bank monthly.
PF Option
Employer PF12% of Basic
Employee PF12% of Basic
Gratuity %5.95%
Standard = 4.81%. Your CTC letter implies ~5.95%.
Gratuity (₹/yr)% of Basic
Retirals Total (B)Employer PF + Gratuity
C — Variable Pay (Performance-based)
Fully taxable as salary. Taxed at your marginal slab rate. TDS spikes in the payment month.
Variable Pay Target (₹/yr)
Premium Bonus Target (₹/yr) CTC
Used for CTC total only
Last Year Bonus (₹) TAX
Used for tax calculation
Bonus Paid in Month
Month when actual bonus is credited to salary.
Expected Payout %100%
Variable pay actual = Target × this %
Premium Bonus Payout %100%
Premium bonus actual = Target × this %
Variable Frequency
Premium Frequency
Leave Encashment & Shift Allowance
💡 Leave Encashment (in-service): Fully taxable as salary. Value = Basic÷30 × days. Added in the selected month. | Shift Allowance: Fully taxable in both regimes — added every month.
Leave Encashment — Days to Encash
In-service encashment — fully taxable as salary. Per day = Basic ÷ 30. Note: Leave encashment at retirement is exempt up to ₹25L under Sec 10(10AA) — not applicable here.
Payment Month
Amount
Auto: Basic ÷ 30 × days
Shift Allowance (₹/month)
Fully taxable in both regimes. Added to monthly gross every month.
Old Regime Only — Deductions
⚠️ None of these apply in New Regime. Employee PF auto-counts toward 80C.
Monthly Rent (₹) HRA
LTA (₹/yr) Old
Books/Tel/PDA (₹/yr) Old
80D Medical (max ₹50k)
Home Loan Interest (max ₹2L)
NPS Self 80CCD(1B) (max ₹50k) Old regime only
Other Deductions (₹/yr)
Other Income (₹/yr)
VPF — Voluntary PF (₹/yr) Old regime only
Added to 80C pool (PF + VPF combined capped at ₹1.5L). No deduction benefit in New Regime.
Children Education Allowance Old only
Max ₹2,400/yr (2 children × ₹100/mo). FY 2026-27. Sec 10(14).
Children Hostel Allowance Old only
Max ₹7,200/yr (2 children × ₹300/mo). FY 2026-27. Sec 10(14).
CTC Summary — A + B + C
💳 Annual Payout Summary
Net to Bank
₹0
🏦
PF Account
₹0
🛡️
NPS
₹0
🌅
Coupons
₹0
🍽️
Old Regime — Annual Tax
₹0
Monthly take-home (base)
₹0
0% effective
New Regime — Annual Tax
₹0
Monthly take-home (base)
₹0
0% effective
Monthly In-Hand Breakdown
Month-wise Take-Home — Full Year 🟡 = variable pay month 📍 = current month
Month
Base Gross
Variable
Tax(Old)
Net(Old)
Tax(New)
Net(New)
Full Year
New Regime — Tax Computation
🟢 Default regime from FY 2026-27. Income up to ₹12.75L = zero tax (₹12L 87A rebate + ₹75K std deduction).
Old Regime — Tax Computation
Savings Calculator
Compare FD, RD, PPF, NSC and Sukanya Samriddhi returns. Find which instrument suits your goal.
FD Details
Principal Amount (₹)
Monthly Instalment (₹)
Interest Rate (% p.a.)Current: 7.1%
%
Tenure (Years)
yrs
Compounding Frequency
Maturity Amount
₹0
Total interest earned
Amount Invested
₹0
Interest Earned
₹0
Effective Yield
0%
Tax Note
—
Growth Breakdown
Year-wise Growth Table
Year
Opening Balance
Interest Earned
Closing Balance
SIP & Mutual Fund Calculator
Plan your SIP returns, lump sum growth, goal-based investing, and ELSS tax saving under Sec 80C.
Increase SIP by this % every year (salary hike aligned)
Total Corpus at Maturity
₹0
wealth gained
Total Invested
₹0
Returns Earned
₹0
CAGR
0%
Wealth Multiplier
0x
Corpus Growth Over Time
ELSS Tax Saving Summary
Retirement Planner
Calculate how much corpus you need, how to get there, and whether you're on track. Includes NPS projection.
Retirement Inputs
Current Age30 yrs
Retirement Age60 yrs
Life Expectancy85 yrs
Monthly Expenses Today (₹)
Expected Inflation (%)6%
Post-retirement Return (%)7%
Expected return on corpus after retirement (conservative, debt-heavy)
Current Savings Already Invested (₹)
Pre-retirement Growth Rate (%)12%
Monthly NPS Contribution (₹)
Equity Allocation (%)75%
Max 75% in equity (Tier I). NPS blended return auto-calculated.
Annuity Purchase % (at 60)40%
Min 40% must be used to buy annuity. Rest is tax-free lump sum.
Retirement Corpus Required
₹0
at retirement age
Years to Retire
0
Monthly Need at Retire
₹0
Monthly SIP Needed
₹0
Savings Shortfall/Surplus
₹0
NPS Maturity Summary
Corpus Accumulation
Real Estate Calculator
Buy vs rent analysis, property appreciation, stamp duty & registration, and rental yield.
Buy Scenario
Property Price (₹)
Down Payment (%)20%
Home Loan Rate (%)8.5%
Loan Tenure (Years)20 yrs
Property Appreciation (%/yr)7%
Maintenance (₹/mo)₹5,000
Rent Scenario
Current Monthly Rent (₹)
Annual Rent Increase (%)5%
Investment Return on Down Payment (%)12%
What the down payment could earn if invested in MF/equity instead
Analysis Period (Years)20 yrs
Buy vs Rent Verdict
—
EMI
₹0
Total Buy Cost
₹0
Total Rent Cost
₹0
Property Value (end)
₹0
Property Appreciation
Current Property Value (₹)
Annual Appreciation (%)7%
Years10 yrs
Future Property Value
₹0
appreciation
Capital Gain
₹0
CAGR
0%
Stamp Duty & Registration
Property Value (₹)
State
Owner Gender
Total Registration Cost
₹0
stamp duty + registration
Stamp Duty
₹0
Registration Fee
₹0
Rental Yield Analysis
Property Value (₹)
Monthly Rent (₹)
Annual Maintenance (₹)
Vacancy (months/yr)1 mo
Net Rental Yield
0%
gross yield
Annual Rent Income
₹0
Net Annual Income
₹0
Typical metro rental yields range from 2–4%. Good yield is 3%+.
Insurance Calculator
Estimate the right term life cover and health insurance premium for your life stage and income.
Your Profile
Age30 yrs
Annual Income (₹)
Outstanding Loans (₹)
Number of Dependants2
Annual Expenses (₹)
Existing Investments (₹)
Recommended Cover
₹0
based on Human Life Value method
Income Replacement
₹0
Loan Liability
₹0
Expense Cover
₹0
Less: Existing Assets
₹0
📌 This is an estimate. Actual cover depends on your family's lifestyle, future goals, and existing policies. Consult a financial advisor for personalized advice.
Health Insurance Inputs
Your Age30 yrs
Family Members Covered
Sum Insured (₹ Lakh)10L
City Tier
Pre-existing Conditions
Estimated Annual Premium
₹0
indicative range
Monthly Premium
₹0
Sec 80D Deduction
₹0
Premiums are indicative estimates. Actual premiums vary by insurer, your health history, and policy features. Get quotes from 3+ insurers before buying.
HRA Exemption Calculator
Basic Salary (₹/yr)
HRA Received (₹/yr)
Actual Rent Paid (₹/yr)
City
HRA Exemption Allowed
₹0
taxable HRA
HRA Received
₹0
50%/40% of Basic
₹0
Rent − 10% Basic
₹0
Taxable HRA
₹0
HRA exemption = minimum of: (1) HRA received, (2) 50%/40% of basic, (3) Rent paid − 10% of basic. Only applicable under Old Regime.
Budget Planner
Plan your monthly budget using the 50/30/20 rule. Track needs, wants, and savings allocation.
Monthly Income & Expenses
Monthly Take-home Income (₹)
Needs (50% ideal)
Rent / EMI (₹)
Groceries & Food (₹)
Utilities & Bills (₹)
Transport (₹)
Insurance Premiums (₹)
Wants (30% ideal)
Dining Out / Entertainment (₹)
Shopping & Lifestyle (₹)
Subscriptions (₹)
Travel & Holidays (₹)
Savings & Investments (20% ideal)
SIP / Investments (₹)
Emergency Fund (₹)
Other Savings (₹)
Monthly Surplus / Deficit
₹0
after all expenses
Needs
₹0
Wants
₹0
Savings
₹0
Savings Rate
0%
50/30/20 Budget Analysis
Budget Health Check
Inflation & Purchasing Power
Understand how inflation erodes money, compare real vs nominal returns, and plan for future costs.