25+ free, accurate Indian financial calculators in INR — Income Tax (New & Old Regime), SIP, EMI, PPF at 7.1%, EPF at 8.15%, SSY at 8.2%, GST, Gratuity, FIRE and more. Strictly updated for FY 2025-26 (AY 2026-27).
Old vs New regime comparison. FY 2025-26 slabs with surcharge and cess.
Tax✓ FY 2025-26Equity LTCG/STCG, debt funds, real estate. Post-2023 rules applied.
Tax✓ FY 2025-26HRA exemption using least-of-three rule. Metro and non-metro.
Tax✓ FY 2025-26Optimize Rs1.5L deduction. Shows tax savings under both regimes.
Tax✓ FY 2025-26Add or remove GST — 0%, 5%, 12%, 18%, 28%. CGST/SGST split.
TaxMonthly SIP returns with future value and wealth gain estimate.
InvestmentOne-time investment growth at expected return rate over time.
InvestmentSystematic Withdrawal Plan — how long your corpus lasts.
InvestmentReturns based on NAV and time period. Absolute return and CAGR.
InvestmentAnnualised return on irregular SIP cashflows.
InvestmentFinancial Independence Retire Early — corpus and timeline.
New Tool✓ FY 2025-26Inflation-adjusted corpus with safe withdrawal rate.
New Tool✓ FY 2025-26CTC to in-hand. PF, professional tax, income tax deductions.
New Tool✓ FY 2025-26Gratuity amount and tax exemption as per FY 2025-26 rules.
New Tool✓ FY 2025-26Purchasing power decline based on India CPI assumption.
New ToolPPF maturity at 7.1% p.a. Max Rs1.5L/year. FY 2025-26 rate.
Savings✓ FY 2025-26EPF corpus at 8.15% with EPS pension estimate. FY 2025-26.
Savings✓ FY 2025-26SSY maturity at 8.2% p.a. Girl child savings scheme.
Savings✓ FY 2025-26NPS corpus with 80CCD(1), 80CCD(1B), 80CCD(2) tax benefits.
Savings✓ FY 2025-26Fixed Deposit maturity with quarterly/annual compounding.
SavingsRecurring Deposit maturity with monthly contribution.
SavingsMonthly EMI with amortization and prepayment impact.
LoanQuick personal loan EMI and total interest calculator.
LoanCar loan EMI, total interest and total cost.
LoanMax loan amount based on income and FOIR (40-50%).
LoanExact age in years, months and days.
GeneralCalcBharat is India's free online financial calculator platform strictly updated for Financial Year 2025-26 (Assessment Year 2026-27). Every calculator follows the latest income tax slabs, PPF/SSY/EPF interest rates, and government regulations for FY 2025-26. No login required. No charges. Always free.
All calculations are based on FY 2025-26 rules. Please verify critical figures with official government notifications before making financial decisions.
New regime slabs: up to Rs4L nil, Rs4–8L at 5%, Rs8–12L at 10%, with 87A rebate making income up to Rs12.75L effectively tax-free. Old vs New regime comparison with surcharge, 4% cess and standard deduction Rs75,000 included.
Calculate regular SIP returns and Step-Up SIP where you increase your monthly investment by a fixed % each year. Step-Up SIP at Rs5,000 growing 10% annually at 12% returns for 20 years builds over Rs1.5 crore vs Rs49 lakh for regular SIP.
Senior Citizen Savings Scheme (SCSS) at 8.2%, National Savings Certificate (NSC) at 7.7% with 80C benefit, and Kisan Vikas Patra (KVP) at 7.5% that doubles money in ~115 months. All rates verified from India Post for FY 2025-26.
Convert credit card purchases to EMI and compare effective interest rates (typically 13–18% p.a.) against revolving credit (36–42% p.a.). Business loan EMI calculator for MSMEs with processing fee and total cost of borrowing.
Calculate TDS on salary (as per slab), FD interest (10% above Rs40,000/year), rent above Rs50,000/month (10%), and professional fees above Rs30,000/year (10%). Helps plan your net take-home and advance tax.
ELSS (Equity Linked Saving Scheme) gives 80C deduction up to Rs1.5 lakh with a 3-year lock-in. Calculator shows estimated returns at 14% historical average, annual tax saved, and LTCG tax at exit — the complete picture.
Home loan, personal loan, and car loan EMI calculators with prepayment impact. Loan eligibility calculator uses FOIR (Fixed Obligation to Income Ratio) of 40–50% as applied by Indian banks to determine your maximum borrowing capacity.
PPF at 7.1% p.a., EPF at 8.15%, SSY at 8.2%, NPS with extra Rs50K deduction under 80CCD(1B). All updated for FY 2025-26. EPF calculator includes EPS pension estimate. Post Office MIS at 7.4% for guaranteed monthly income.
FIRE calculator uses the 4% safe withdrawal rule to estimate your financial independence corpus. Retirement planner factors in India CPI inflation (6% assumed), life expectancy, and corpus drawdown to give you a realistic retirement savings target.
CalcBharat is built by a team of Indian finance enthusiasts and chartered accountant consultants based in Ahmedabad, Gujarat. Every calculator is reviewed against official government notifications — including CBDT circulars, EPFO announcements, and Ministry of Finance press releases — before each financial year update. We do not sell financial products or earn commissions. Our only goal is to give every Indian a free, accurate tool to understand their own money.
All tax slabs, interest rates, and formulas are sourced directly from the Income Tax Department of India, EPFO, and the India Post (for PPF/SSY rates). We update within days of any official rate change.
The new income tax regime slashes rates significantly for incomes below Rs15 lakh, but removes most deductions. We break down exactly when each regime wins — with real salary examples from Rs6L to Rs30L. Try the Income Tax Calculator →
EPF gives 8.15%, PPF gives 7.1%, and NPS offers market-linked returns with extra 80CCD(1B) tax benefit. We compare liquidity, risk, and post-retirement income to help you decide. Try the NPS Calculator →
Most Indian banks use a FOIR of 40–50% to determine your eligibility. With repo rate at 6.5%, here's how to realistically plan your home loan without stretching your budget. Check Your Loan Eligibility →
All rates verified from official government notifications. Last updated: March 2026.
| Scheme / Tax | Rate / Limit | Key Detail |
|---|---|---|
| SCSS Interest Rate FY 2025-26 | 8.2% p.a. | Senior Citizens, max Rs30L, quarterly payout |
| NSC Interest Rate FY 2025-26 | 7.7% p.a. | 5-year lock-in, 80C eligible, compounded annually |
| KVP Rate FY 2025-26 | 7.5% p.a. | Doubles in ~115 months, no maximum limit |
| Post Office MIS Rate FY 2025-26 | 7.4% p.a. | Monthly payout, max Rs9L single / Rs15L joint |
| Income Tax (New Regime) – Nil slab | Up to Rs4 lakh | With 87A rebate, effective nil up to Rs12L |
| Income Tax Standard Deduction | Rs75,000 | Applies under new & old regime (salaried) |
| PPF Interest Rate FY 2025-26 | 7.1% p.a. | Max deposit Rs1.5L/year, EEE benefit |
| EPF Interest Rate FY 2025-26 | 8.15% p.a. | Employee + employer 12% each of basic+DA |
| SSY Interest Rate FY 2025-26 | 8.2% p.a. | Girl child scheme, matures at age 21 |
| NPS Additional Deduction (80CCD(1B)) | Rs50,000 | Over and above 80C Rs1.5L limit |
| LTCG on Equity Mutual Funds | 12.5% (above Rs1.25L) | Holding period >1 year, no indexation |
| STCG on Equity Mutual Funds | 20% | Holding period <1 year |
| GST Rates (India) | 0%, 5%, 12%, 18%, 28% | CGST + SGST each at half rate |
| Gratuity Tax Exemption Limit | Rs20 lakh | Private sector employees, min 5 yrs service |
| 80C Deduction Limit | Rs1.5 lakh | Only under old regime; not in new regime |
Under the new tax regime for FY 2025-26: income up to Rs4 lakh is Nil; Rs4–8 lakh at 5%; Rs8–12 lakh at 10%; Rs12–16 lakh at 15%; Rs16–20 lakh at 20%; Rs20–24 lakh at 25%; above Rs24 lakh at 30%. A standard deduction of Rs75,000 applies. Section 87A rebate makes net taxable income up to Rs12 lakh effectively tax-free (in-hand up to Rs12.75 lakh).
The PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually and credited on 31st March. Maximum annual deposit is Rs1.5 lakh. PPF is an EEE investment — principal qualifies under 80C, interest is tax-free, and the maturity amount is fully tax-exempt.
The EPF interest rate for FY 2025-26 is 8.15% per annum as notified by EPFO. Both employee and employer contribute 12% of basic salary + DA. The employer's share is split — 8.33% goes to EPS (Employee Pension Scheme) and 3.67% to EPF.
The Sukanya Samriddhi Yojana (SSY) interest rate for FY 2025-26 is 8.2% per annum, compounded annually. Maximum deposit is Rs1.5 lakh/year for 15 years. The account matures when the girl child turns 21. SSY is an EEE scheme with full tax exemption at all three stages.
Gratuity = (Last Basic Salary + DA) × 15 × Years of Service ÷ 26. Gratuity up to Rs20 lakh is fully tax-exempt for private sector employees under the Payment of Gratuity Act. It is payable after completing at least 5 years of continuous service with the same employer.
EMI formula: P × r × (1+r)^n ÷ ((1+r)^n − 1), where P = principal, r = annual rate ÷ 1200, n = months. Example: a Rs50 lakh home loan at 8.5% p.a. for 20 years results in an EMI of approximately Rs43,391 per month, with total interest payable of around Rs55.1 lakh.
LTCG on equity and equity mutual funds (held > 1 year) above Rs1.25 lakh is taxed at 12.5% without indexation. STCG (held < 1 year) is taxed at 20%. Debt mutual fund gains (post April 2023 investments) are taxed as per the investor's income tax slab without indexation benefit.
The new regime is better for incomes under Rs15 lakh with limited deductions. The old regime benefits those with significant claims — HRA, 80C (Rs1.5L), 80D, home loan interest (Rs2L under 24b), NPS (Rs50K under 80CCD(1B)). Use our Income Tax Calculator to compare both regimes instantly for your specific salary.
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