Free Tax Calculators and Excel Utilities
A curated set of 13 interactive online calculators and 6 CA-prepared Excel utilities — built and maintained by CA Tirumalesh Malla to help individuals, salaried professionals, and business owners make informed tax and financial decisions for FY 2026-27.
13 Calculators6 Excel UtilitiesFY 2026-27 Updated100% Free · No Login
All tools below are hosted on our dedicated calculator portal, Calc Guru (calcguru.in), which is authored and maintained by our practice. Every calculation follows the current provisions of the Income-tax Act 1961, Finance Act 2025 amendments, Income-tax Rules 1962 (including the Rules 2026 amendments), Companies Act 2013, CGST Act 2017, Code on Wages 2019 and associated rules. Where judicial guidance or CBDT circulars are relevant, the tools reflect the latest position as of April 2026.
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Tax and Compliance Calculators
Compute your tax liability under both Old and New regimes, estimate advance-tax instalments under Sec 211, plan HRA exemption under Sec 10(13A), work out capital gains under the post-Budget-2024 regime, and generate GST at prevailing rates.
Income Tax Calculator →Old vs New regime comparison with FY 2025-26 and FY 2026-27 slabs, Sec 87A rebate, surcharge and cess.Advanced Income Tax Calculator →All five heads of income with deductions under Chapter VI-A, surcharge, health and education cess.Advance Tax Calculator →Quarterly advance-tax instalments per Sec 211 with interest computation under Sec 234B and 234C.HRA Exemption Calculator →Sec 10(13A) least-of-three exemption for both metro and non-metro cities with 8-metro classification.Capital Gains Tax Calculator →STCG and LTCG under the post-Budget-2024 regime — equity, debt and property with grandfathering.GST Calculator →Forward and reverse GST computation at 5, 12, 18 and 28 percent with CGST, SGST and IGST split.
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Salary, Retirement and Savings Calculators
Plan your CTC structure in line with the Code on Wages 2019 Basic-50-percent floor, project gratuity eligibility under Sec 10(10), estimate NPS corpus and annuity, and model PPF maturity under the current interest regime.
Salary / CTC Calculator →CTC-to-take-home breakup with Basic-50-percent floor, HRA, PF, gratuity, allowances and perquisites.Gratuity Calculator →Payment of Gratuity Act 1972 — covered and non-covered employees, Sec 10(10) exemption, 20 lakh ceiling.NPS Calculator →Corpus projection, Sec 80CCD(1), 80CCD(1B) and 80CCD(2) tax benefits, annuity split at superannuation.PPF Calculator →15-year PPF maturity at prevailing interest rate with yearly contribution schedule and tax position.
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Loans and Investment Calculators
Generate full EMI amortisation schedules, compute fixed-deposit and recurring-deposit maturity with quarterly compounding, and model systematic investment plans with step-up contributions.
EMI Calculator →Home, car and personal loan EMI with month-wise principal and interest split on reducing balance.FD and RD Calculator →Fixed and recurring deposit maturity with quarterly compounding, TDS flag and Form 15G eligibility.SIP Calculator →Regular and Step-up SIP with compounding frequency control and goal-based target projection.
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CA-Prepared Excel Utilities (Free Download)
Six protected Excel workbooks that mirror the online calculators — with input-cell highlighting, dropdown-driven lookups and audit-grade worksheets suitable for offline computation and client working papers. Each file carries our firm watermark and is password protected against modification.
Income Tax ComparisonXLSX
Old vs New regime side-by-side for FY 2025-26 and FY 2026-27 with age dropdown and deduction inputs.
EMI Amortisation ScheduleXLSX
Month-wise principal, interest and outstanding balance with prepayment what-if and print-ready layout.
FD and RD MaturityXLSX
Separate FD and RD calculators with quarterly compounding, TDS auto-flag and Form 15G check.
TDS Rate Chart and CalculatorXLSX
FY 2026-27 post-Budget-2025 rate master with 50-plus section rows, payee-type and threshold lookups.
Depreciation CalculatorXLSX
IT Act WDV method plus Companies Act SLM and WDV methods with asset-class dropdown lookups.
Salary Structure PlannerXLSX
Code on Wages 2019 compliant CTC builder with HRA, LTA, Rule 3(7) perquisites and NPS 80CCD(2).
Authored and maintained by a practising Chartered Accountant. These tools are kept aligned with the latest Finance Act amendments, CBDT circulars and notifications. Limits, thresholds, surcharge bands, slab rates and perquisite values are updated annually. The calculators are indicative and should be read together with professional advice for specific transactions or disputed positions.
Explore the Complete Calculator Portal
Visit our dedicated calculator website for the full 13-tool index, category sub-hubs and all downloadable utilities in one place.Open All 13 Calculators →
Note: The above tools are computation aids only. They do not constitute legal or tax advice. For a formal opinion on your specific facts, please write to us via the Contact Us page or use the live chat at the bottom-right of this page.