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 follow the rules for FY 2026-27 (Tax Year 2026-27 under the new Income-tax Act 2025, in force from 1 April 2026). Budget 2026 kept the income tax slabs unchanged: no tax up to ₹12 lakh under the new regime (rebate up to ₹60,000 under s.156, old s.87A), ₹75,000 standard deduction, and the new regime as the default. Small-savings rates are for Oct–Dec 2026 and GST rates follow GST 2.0 (5%, 18% and 40%).

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 (raised from ₹50,000 in Budget 2024, unchanged for FY 2026-27). 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 (old regime), interest, and maturity are all tax-free. At 7.1% p.a. (Oct–Dec 2026 quarter), it's a solid risk-free option, especially for conservative investors. Our PPF Calculator shows full 15-year projections with extension options.