Frequently Asked Questions

Yes, completely free. No login, no subscription, no hidden fees. All calculators will remain free forever.

Our calculators use standard formulas prescribed by CBDT, RBI, EPFO, and relevant regulatory bodies. Results are estimates for planning purposes. For exact tax liability or financial decisions, consult a CA or financial advisor.

Yes. All calculators are updated for the Union Budget 2025-26, including the new income tax slabs, revised Section 87A rebate, updated standard deduction of ₹75,000, and the new default tax regime changes announced by the Finance Minister.

No. All calculations happen entirely in your browser (client-side JavaScript). We do not transmit, store, or log any of your financial inputs. See our Privacy Policy for full details.

It depends on your deductions. The new regime has lower slab rates but no major deductions (no 80C, no HRA, no 80D). The old regime allows deductions up to ₹1.5L (80C) + HRA + standard deduction + more. Use our Income Tax Calculator to compare both side by side.

₹75,000 under the new regime (increased from ₹50,000 in Budget 2024). Under the old regime, standard deduction remains ₹50,000.

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly interest rate (annual rate ÷ 12), and n is number of monthly instalments. Our EMI Calculator also shows total interest payable and a donut chart breakdown.

FOIR (Fixed Obligation to Income Ratio) is the percentage of your net income that banks allow for total EMI obligations. Most banks use 40–60%. Our Loan Eligibility Calculator lets you set your own FOIR and shows bank-wise estimates.

Historically, Indian equity mutual funds have delivered 10–14% CAGR over 10+ year periods. For conservative planning, use 10–12%. For debt funds, use 6–8%. These are estimates — actual returns vary and are not guaranteed.

PPF offers EEE (Exempt-Exempt-Exempt) tax status — contribution, interest, and maturity are all tax-free. At 7.1% p.a. (FY 2025-26), it's a solid risk-free option, especially for conservative investors. Our PPF Calculator shows full 15-year projections with extension options.