India finance & tax tools · FY 2026-27
Know your income tax
in seconds
Free, India-specific calculators for tax, investments and loans — plus GST invoice and quotation tools for small business. Every result comes with the formula behind it.
- Updated for FY 2026-27
- No signup, no app install
- Calculations stay in your browser
Try a calculator instantly
Live results as you type — nothing leaves your browser.
Estimated total tax
₹ 83,200
Effective rate
6.93%
- In your pocket₹11,16,800
- Total tax₹83,200
Live estimate preview. For formulas, assumptions and FAQs, open the full calculator page.
Open Income Tax calculatorEvery money decision, one calculator away
Each tool comes with the formula, a worked example and FAQs — so you understand the result, not just the number.
Tax & Salary
Plan income tax, in-hand pay, HRA and TDS for FY 2026-27.
Investment & Savings
Estimate SIP, PPF, FD, RD and NPS maturity with real returns.
Loan & Property
Work out EMIs, loan eligibility and stamp duty before you commit.
Business & GST
Split GST, plus create GST invoices and client quotations.
Reads that pay for themselves
Short, India-specific guides to use alongside the calculators.
₹12 lakh salary? Here's your exact tax
New regime slab-by-slab breakdown with the ₹75,000 standard deduction.
Read guideBudgetingThe 50-30-20 rule, tuned for Indian salaries
Split your in-hand pay into needs, wants and savings without guesswork.
Read guideSavingsFD vs RD: which one actually earns more?
Same deposit, different math. See where your money compounds harder.
Read guideGSTHow to pull an 18% GST amount out of any price
Inclusive vs exclusive GST, with the shortcut formula shops use.
Read guidePayrollGratuity: how many years until you qualify?
The 5-year rule, the 4-years-240-days exception, and what you'll get.
Read guideNewIncome Tax Slabs FY 2026-27: Old vs New Regime with 5 Salary Examples
Read guideNewHow to Make a GST Invoice in India — Complete 2026 Format Guide
Read guideNewSalary Slip Format India 2026 — Every Component Explained
Read guideFrequently asked questions
Are RealBill calculators free to use?
Yes. Every calculator on RealBill is completely free, with no signup, no login, and no app install. You can run unlimited calculations and the numbers never leave your browser.
Are the calculators updated for FY 2026-27?
Yes. Our income tax, TDS, HRA and take-home salary calculators follow the latest FY 2026-27 (AY 2027-28) slabs, the Rs 75,000 standard deduction and Section 87A rebate rules.
Which income tax regime should I choose, old or new?
It depends on your deductions. If you claim large HRA, 80C, 80D and home loan interest, the old regime can win. If your deductions are small, the new regime's lower rates usually work out better. Use the Income Tax Calculator to compare both side by side.
Can I create a GST invoice and quotation here too?
Yes. Besides the calculators, RealBill includes a free GST invoice generator and a quotation generator that produce clean PDF documents with CGST/SGST/IGST split, your logo and WhatsApp sharing.
Is my financial data safe?
All calculations and invoice data are processed on your device in the browser. We do not store your salary, income or client details on any server.
Results are estimates for planning only. How we calculate · Editorial policy · Disclaimer