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.F&O & Intraday Trading Tax →Turnover (ICAI method), 44AB audit check, speculative vs non-speculative.TDS Calculator →Section-wise TDS rates and threshold checks for FY 2026-27.TDS on Property Sale →Section 194-IA TDS on immovable property purchases.GST Late Fee & Interest →Late fee and interest on delayed GSTR-1 / 3B filing.80C / Section 123 Optimiser →Maximise the Rs 1.5 lakh deduction across eligible instruments.Professional Tax Calculator →State-wise professional tax liability and slab lookup.Shop & Establishment →State-wise S&E registration fees and validity.
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ITR Filing & Interest Tools
Pick the right return and compute interest and relief before you file.
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Stamp Duty Calculators
State-wise stamp duty on common agreements and instruments.
Share Transfer (SH-4) →Stamp duty on share transfer deeds.LLP Agreement →State-wise stamp duty on LLP agreements.Partnership Deed →Stamp duty on partnership deeds by state.Gift Deed →Stamp duty on gift deeds (movable / immovable).Debenture →Stamp duty on debenture issues.Rent / Lease Deed →Stamp duty on rent and lease agreements.
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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.EPF Calculator →Employee Provident Fund corpus and interest projection.Sukanya Samriddhi (SSY) →SSY maturity value at the current notified rate.
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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.Home Loan Calculator →EMI, total interest and amortisation for a home loan.Lumpsum Calculator →Future value of a one-time investment.Post Office & APY →Post Office schemes and Atal Pension Yojana projections.Compound Interest →Compounded growth across periods and frequencies.Top Mutual Funds & Compare →Compare current NAV, AUM and returns of leading funds.
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Tax Notice Reply Tools
Guided, professionally-worded replies to common GST and income-tax notices.
Notice Reply Centre →All GST and income-tax notice reply tools in one place.GST DRC-01 / 01A →Draft a reply to a GST DRC-01 / DRC-01A demand notice.GST ASMT-10 Scrutiny →Respond to a GST ASMT-10 scrutiny notice.IT 148A Reassessment →Object to a Section 148A reassessment notice.IT 143(1) Adjustment →Respond to a Section 143(1) intimation adjustment.
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Business Startup Tools
Set up a new company or LLP the right way.
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Trademark & IP Tools
Protect your brand from search to registration.
Trademark Fee & Cost →Government and professional fees for a TM application.Trademark Class Finder →Find the right trademark class for your goods or services.Brand Name Check →How to check brand name availability before you apply.TM Status Decoder →Decode trademark status entries and key deadlines.TM Objection Reply →Draft a reply to a Section 9 / 11 examination objection.
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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.