Calculators

Salary, tax and retirement

Take-home pay, income tax, HRA, EPF, NPS and gratuity, with the rules in force in 2026.

• Income tax calculator: old vs new regime

  Compare your tax under the old and new regimes for tax year 2026-27, with the ₹12 lakh rebate, standard deduction, cess, surcharge and the deductions that make the old regime worth it.

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• EPF calculator

  Work out your EPF corpus at 58 at 8.25% interest, with the ₹25,000 wage ceiling, salary hikes, VPF and an EPS pension estimate.

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• NPS calculator

  Work out your NPS corpus, the lump sum you can take (up to 80% for non-government subscribers), the annuity and the monthly pension it could buy.

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• Gratuity calculator

  Work out gratuity with the 15/26 formula, check eligibility after 5 years or 1 year for fixed-term staff, and see how much is tax free.

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• HRA exemption calculator

  Work out the tax-free part of your house rent allowance under the old regime, with the 50% limit now covering Bengaluru, Hyderabad, Pune and Ahmedabad.

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• Salary calculator: CTC to take-home

  Turn your CTC into monthly take-home pay after PF at the ₹25,000 ceiling, gratuity, professional tax and income tax for 2026-27.

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Saving and investing

What a SIP, PPF account or fixed deposit could grow to.

• SIP calculator

  Work out what a monthly SIP or a lump sum could grow to, with a yearly step-up and the value in today's money. Illustration only.

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• PPF calculator

  Work out what a Public Provident Fund account grows to over 15 years or more, with yearly deposits up to ₹1.5 lakh at the current 7.1% rate.

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• Fixed deposit calculator

  Work out the maturity value of a bank fixed deposit with quarterly compounding, the interest after tax at your slab, and whether TDS applies.

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Cards, loans and credit score

The real cost of EMIs and minimum due, and what moves your score.

• Loan EMI calculator

  Monthly EMI, total interest and a year-by-year split of principal and interest for any home, car or personal loan.

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• Credit card EMI vs personal loan

  Compare the real cost of a credit card EMI, a personal loan and carrying the balance on your card, with GST, fees and no-cost EMI included.

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• Minimum due calculator

  See how long it takes to clear a credit card bill if you pay only the minimum amount due, how much interest and GST that costs, and what a fixed payment saves.

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• Credit utilisation calculator

  Add your card limits and what you owe to see your credit utilisation, overall and per card, and how much to pay to get under 30%.

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• Credit score simulator

  Move the sliders for late payments, utilisation, credit age, credit mix and enquiries to see which habits push a credit score up or down. An educational estimate, not your CIBIL score.

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• Fee waiver calculator

  How much more to spend on a card before its annual fee is waived.

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Rates and calendars

• Bank holidays

  State-wise bank holidays from the RBI list, October to December 2026.

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• Credit card changes tracker

  Reward cuts, lounge rules and new fees announced by banks in 2026.

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• FD rates compared

  Fixed deposit rates at 17 banks for general and senior citizens.

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• Repo and small savings rates

  The RBI repo rate and PPF, SSY and SCSS rates, now and since 2019.

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• Income tax calendar

  Advance tax, ITR and TDS deadlines through August 2027.

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