SmartMoneyToolsPrecision Financial Planning
Category · 16 tools

Tax Planning Calculators

Income tax FY 2026-27, HRA, capital gains and regime comparison.

Indian income tax becomes a binary choice every April — the new regime with lower slab rates and almost no deductions, or the old regime that rewards aggressive 80C, 80D, HRA and home-loan interest claims. This category quantifies that choice for every salary band and every common deduction, all updated to FY 2026-27 (AY 2027-28) slabs as per the latest Finance Act. You'll also find capital-gains tools, TDS calculators and HRA exemption helpers — the full toolkit for an Indian taxpayer planning the year ahead.

Income Tax Calculator (FY 2026-27)

Updated income tax calculator for FY 2026-27 (AY 2027-28) — new vs old regime.

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TDS Calculator

Online TDS calculation tool for professional fees, rent and commissions.

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ELSS Calculator

Tax-saving ELSS investment tool with return forecasts and lock-in insights.

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HRA Exemption Calculator

Calculate exempt HRA under section 10(13A) for maximum tax savings.

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New Tax Regime Calculator

Compute your tax liability under the new regime as per Budget 2026.

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Capital Gains Tax Calculator

STCG and LTCG calculator updated as per Budget 2026.

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Income Tax on ₹10 Lakh Salary

Detailed tax calculator for a ₹10 LPA salary — new vs old regime.

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Income Tax on ₹15 Lakh Salary

Detailed tax calculator for a ₹15 LPA salary — new vs old regime.

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Old vs New Tax Regime

Side-by-side comparison of old and new tax regimes for FY 2026-27.

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HRA Calculator

House Rent Allowance tax calculator for salaried Indian employees.

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Income Tax on ₹12 Lakh Salary

Tax estimation for a ₹12 LPA salary — old vs new regime breakdown.

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Income Tax on ₹20 Lakh Salary

Tax estimation for a ₹20 LPA salary with detailed deduction options.

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Income Tax for Senior Citizens

Income tax calculator for senior citizens and pensioners in India.

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Income Tax on ₹5 Lakh Salary

Find your tax outflow on a ₹5 LPA income with rebate options.

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Income Tax on ₹7 Lakh Salary

Tax computation for a ₹7 LPA salary under both regimes.

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Income Tax on ₹30 Lakh Salary

Detailed tax computation for a ₹30 LPA salary in FY 2026-27.

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Who these tools are for

  • Salaried employees choosing between old and new tax regimes annually
  • Anyone needing to estimate tax outflow before submitting investment proofs
  • Freelancers and consultants tracking advance-tax instalments
  • Senior citizens optimising tax on pension and SCSS income

India-specific things to know

  • From FY 2025-26, new regime is the default — you must explicitly opt for old regime
  • Section 87A rebate effectively makes incomes up to ₹12 L tax-free under new regime
  • Standard deduction: ₹75k under new regime vs ₹50k under old
  • Salaried can switch regimes every year; business income holders can switch only once in a lifetime

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