Income Tax Slabs FY 2026-27: Old vs New Regime with 5 Salary Examples
Compare old and new tax regime slabs for FY 2026-27 with five worked salaried examples from Rs 6 lakh to Rs 24 lakh gross, plus a decision checklist for regime selection.
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Financial Calculators for India
Plan tax, salary, loans, savings and retirement with clean India-focused calculators. Pick a goal, enter your numbers, and compare scenarios before you commit.
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GRSalary
Gratuity Calculator
Calculate gratuity amount based on last drawn salary and years of service.
Use calculator PPFSavingsPPF Calculator
Public Provident Fund maturity and returns (current rate 7.1%).
Use calculator EPFRetirementEPF / PF Calculator
Employee Provident Fund with employer contribution and maturity.
Use calculator EMILoansEMI Calculator
Home loan, car loan and personal loan EMI with interest breakup.
Use calculator SIPInvestingSIP Calculator
Monthly SIP maturity, return estimate and investment value.
Use calculator FDSavingsFD Calculator
Fixed deposit maturity and interest.
Use calculator NPSRetirementNPS Calculator
National Pension Scheme retirement corpus.
Use calculator TAXTaxIncome Tax Calculator
Old vs new tax regime comparison with slabs, rebate and cess.
Use calculator HRATaxHRA Calculator
House Rent Allowance exemption under Section 10(13A).
Use calculator AGEUtilityAge Calculator
Exact age in years, months and days from date of birth.
Use calculator GSTTaxGST Calculator
GST amount with CGST/SGST/IGST breakup.
Use calculator %UtilityPercentage Calculator
Find percentage of a number, what percent X is of Y, increase/decrease.
Use calculator BMIHealthBMI Calculator
Body Mass Index with India-specific Asian BMI cutoffs.
Use calculator NETSalaryTake-Home Salary Calculator
Estimate in-hand monthly salary after PF, tax and deductions.
Use calculator SDPropertyStamp Duty Calculator
Property stamp duty and registration fee estimate by rate.
Use calculator SIP+InvestingSIP Step-Up Calculator
SIP with annual step-up in monthly investment.
Use calculator CIInvestingCompound Interest Calculator
Simple vs compound interest with yearly, quarterly and monthly compounding.
Use calculator LUMPInvestingLumpsum Calculator
One-time investment growth estimate with reverse CAGR mode.
Use calculator LOANLoansLoan Eligibility Calculator
Maximum home loan from income and FOIR.
Use calculator TDSTaxTDS Calculator
Estimate TDS on salary for FY 2026-27.
Use calculator RDSavingsRD Calculator
Recurring deposit maturity and interest.
Use calculator 80CTaxSection 80C Planner
Plan 80C investments within ₹1.5 lakh limit.
Use calculator HIKESalarySalary Hike Calculator
New salary after percentage hike.
Use calculator DISCUtilityDiscount Calculator
Sale price, savings and effective discount for single or stacked offers.
Use calculatorRead the guide before you calculate
These posts explain the assumptions behind each calculator, so users can understand the formula before relying on the result.
How to Make a GST Invoice in India — Complete 2026 Format Guide
Complete GST invoice guide for 2026: mandatory fields, HSN/SAC codes, CGST/SGST vs IGST split, invoice numbering rules, e-invoicing thresholds, and GSTR-1 reconciliation for small business.
Salary Slip Format India 2026 — Every Component Explained
How to read your Indian salary slip in 2026: basic pay, HRA, allowances, PF, professional tax, TDS, and net pay explained with a worked Rs 60,000 example and tax-planning checklist.
HRA Exemption — Metro vs Non-Metro Cities 2026
Section 10(13A) HRA exemption explained: the minimum-of-three formula, 50% metro vs 40% non-metro rule, worked examples for Mumbai and Pune, rent proof requirements, and common claim mistakes.
Section 80C — Best Investment Options in 2026 (PPF, ELSS, EPF, NPS)
PPF vs ELSS vs EPF vs NPS compared head-to-head for the Rs 1.5 lakh Section 80C bucket: returns, lock-in, risk, taxation of maturity, and which mix suits your age and goals.
Section 80D Health Insurance Deduction (FY 2026-27): Limits, Parents, Preventive Checkup
Complete Section 80D guide: Rs 25,000/50,000 limits for self and parents, senior citizen rules, preventive health checkup sub-limit, and worked examples for maximum old-regime tax saving.
Choose by goal, not by tool name
Most users start with one number need: monthly cash flow, tax outgo, or retirement corpus. Use these goal clusters to pick the next action quickly.
Debt and affordability
Compare EMI burden, prepayment impact, and safer parking alternatives for near-term goals.
EMI · FD · Prepayment guide
Tax and salary planning
Estimate old vs new regime, validate HRA exemption, and map NPS impact before payroll declarations.
Retirement and compounding
Build corpus scenarios across EPF, PPF, NPS, and SIP instead of depending on a single product.
Popular next actions
- Run a ₹5,000/month SIP scenario and compare with SIP vs FD.
- Check EMI vs tenure before taking a loan, then review EMI interest guide.
- Compare old vs new regime with deduction assumptions from the standard deduction guide.
- Pick EPF/PPF/NPS allocation framework and then model each corpus with calculators.
Explore related guides
Go deeper with step-by-step workflow guides for specific scenarios, then return to the calculator when you are ready.
How to use these calculators effectively
Each calculator on RealBill is designed for quick scenario planning — enter your numbers and get instant results. They work entirely in your browser with no data sent to any server. For best results, run multiple scenarios with different assumptions (conservative, moderate, optimistic) rather than relying on a single projection. All calculators use standard Indian financial formulas and are updated for the current financial year.
For tax planning: Start with the Income Tax Calculator to compare old vs new regime, then use HRA and Gratuity for specific deductions. For investment planning: Compare SIP, PPF, and FD returns side by side for the same amount and tenure. For loans: Use the EMI Calculator before signing a loan agreement to understand your monthly commitment and total interest cost.
Frequently Asked Questions
- Are these calculators free to use?
- Yes. All 24 calculators on RealBill are completely free with no signup, no account, and no download limits. They run entirely in your browser — no data is sent to any server. Use them as many times as you need for planning and scenario comparison.
- Do calculators include India-specific assumptions?
- Yes. All calculators use Indian financial parameters: income tax slabs for both old and new regime, EPF contribution rates (12% employee + 12% employer), PPF interest rate (currently 7.1%), HRA metro vs non-metro rules, and GST rate structure. We update these when official rates change.
- How accurate are the results?
- Calculator results are accurate for the formulas and assumptions used, but they are estimates — not guarantees. SIP returns depend on actual market performance, tax laws change periodically, and interest rates fluctuate. Use these tools for planning and directional guidance, then consult a Chartered Accountant or SEBI-registered advisor for official decisions.
- Which calculator should I start with?
- If you are salaried, start with the Income Tax Calculator to compare old vs new regime — this impacts all other planning. If you are evaluating an investment, use the SIP calculator for market-linked options or the FD/PPF calculator for fixed-return options. For home or car loans, the EMI calculator helps you understand monthly commitments before signing.
- Can I use these calculators on mobile?
- Yes. All calculators are fully responsive and work on smartphones, tablets, and desktops. The interface adapts to your screen size. Results update in real-time as you change inputs — no need to click a separate calculate button.