How can I compare the Old vs New Tax Regime for FY 2026-27?

You can use the Income Tax Calculator or Tax Regime Breakeven Tool to compare both tax regimes side by side. The tool computes slab rates, standard deductions (₹75,000 under the New Regime), Section 87A tax rebate eligibility (up to ₹12 Lakhs taxable income), and itemized Chapter VI-A deductions (Section 80C, 80D, 80CCD, HRA) under the Old Regime.

What is the difference between In-Hand Salary and Cost to Company (CTC)?

CTC is the total gross annual expense an employer spends on an employee, including basic salary, allowances, employer EPF contribution, gratuity, and insurance. In-Hand Salary is the actual net take-home pay credited to your bank account each month after mandatory deductions such as Employee EPF (12%), Professional Tax (PT), and Tax Deducted at Source (TDS).

Financial Calculators India (2026) – 300+ Tax, SIP & EMI Tools

Q: What is ArthCalculator and how are the financial tools verified?

ArthCalculator is an independent Indian financial education platform offering 300+ free calculators across Income Tax, Mutual Funds, Loans, Real Estate, Trading, and Retirement. Every calculator is built using official formulas from the Central Board of Direct Taxes (CBDT), Reserve Bank of India (RBI) guidelines, and standard financial math, and reviewed by qualified finance professionals.

Q: Are ArthCalculator tools free to use, and do you store personal financial data?

Yes, 100% of ArthCalculator tools are free forever with no hidden charges or premium paywalls. No account creation or login is required. All mathematical calculations execute locally in your web browser (client-side), meaning your sensitive salary, loan, and investment data is never stored on our servers.

Q: How does the SIP calculator compute future mutual fund returns in India?

The SIP (Systematic Investment Plan) calculator uses the compound interest annuity formula: M = P × [((1 + i)^n - 1) / i] × (1 + i), where P is the monthly installment, i is the periodic monthly interest rate, and n is the total number of months. It calculates the total invested amount, estimated wealth gain, and expected maturity corpus.

Q: How does an EMI calculator work for home, car, and personal loans?

The EMI calculator uses the standard reducing balance method formula: E = P × r × (1 + r)^n / [((1 + r)^n) - 1], where P is loan principal, r is the monthly interest rate, and n is loan tenure in months. It provides an exact monthly payment schedule, principal vs interest breakup, and total repayment cost.

Q: What is the difference between CAGR and XIRR for calculating returns?

CAGR (Compounded Annual Growth Rate) measures the annualized point-to-point growth of a single lump sum investment over multiple years. XIRR (Extended Internal Rate of Return) calculates annualized returns for irregular or recurring multiple cash flows, making it the industry standard for SIPs and SWPs.

Q: Are the calculators updated for the latest Union Budget and tax rules?

Yes, all 300+ calculators on ArthCalculator are continuously audited and updated for FY 2026-27 (AY 2027-28). This includes updated New Tax Regime slabs, the enhanced Section 87A rebate, revised standard deductions, and prevailing RBI repo rate benchmarked lending rules.

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SIP Calculator

Estimate future wealth gains from systematic mutual fund investments.

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Income Tax Calculator

Compare New vs Old Tax Regimes, Section 87A rebate and slab taxes for FY 2026-27.

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In-Hand Salary Calculator

Calculate monthly take-home pay after EPF, Professional Tax, and Income Tax deductions.

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Home Loan EMI Calculator

Plan housing repayments with exact monthly EMI, amortization, and total interest split.

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Step-Up SIP Calculator

Calculate how an annual 5% to 15% top-up accelerates wealth creation to ₹1 Crore+.

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PPF Calculator

Calculate Public Provident Fund maturity amount, tax-free interest, and 15-year corpus.

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Calculate inclusive and exclusive GST amounts for 5%, 12%, 18%, 28% slabs.

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Discounted Cash Flow intrinsic share price model with Margin of Safety.

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Determine the Compounded Annual Growth Rate of any investment or revenue metric.

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Calculate Lean, Fat, or Coast FIRE corpus using the 25x/30x rule and inflation.

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Calculate state-wise stamp duty, registration charges, and cess for Indian states.

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Split net salary into 50% Needs, 30% Wants, and 20% Savings automatically.

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Frequently Asked Questions

Everything you need to know about our calculators, verification methodology, and Indian financial rules.

What is ArthCalculator and how are the financial tools verified? ▾

ArthCalculator is an independent financial education platform providing 300+ free online calculators across Income Tax, Mutual Funds, Loans, Real Estate, Trading, and Retirement planning.

Every calculator is built using official formulas from the Central Board of Direct Taxes (CBDT), Reserve Bank of India (RBI) lending guidelines, and standard financial math. Our tools are reviewed by qualified finance professionals to ensure edge cases, tax exemptions, and compounding rules are handled accurately.

Are ArthCalculator tools free to use, and do you store personal data? ▾

100% Free Forever. There are no subscription fees, premium tiers, or hidden paywalls. Furthermore, no login or registration is required. All mathematical computations run directly in your web browser (client-side), meaning your salary, loans, and investment amounts are never stored or tracked on our servers.

How does the SIP Calculator compute future mutual fund returns? ▾

Our SIP Calculator applies the compound interest annuity formula:

M = P × [((1 + i)^n - 1) / i] × (1 + i)

Where P is your monthly installment, i is the monthly periodic return, and n is the number of months. You can also model annual top-ups using our Step-Up SIP Calculator.

How can I compare Old vs New Tax Regime for FY 2026-27? ▾

You can use our dedicated Income Tax Calculator and Tax Regime Breakeven Tool.

The calculator compares the New Tax Regime (with ₹75,000 standard deduction and Section 87A full rebate up to ₹12 Lakhs taxable income) against the Old Tax Regime with Chapter VI-A deductions (Section 80C, 80D, 80CCD, HRA exemptions) to show exactly which regime saves you more money.

How does an EMI calculator work for Home, Car, and Personal loans? ▾

Our Home Loan EMI Calculator uses the banking standard reducing balance method formula:

E = P × r × (1 + r)^n / [((1 + r)^n) - 1]

It generates your exact monthly repayment, interest vs principal breakdown, and a full monthly/annual amortization schedule.

What is the difference between In-Hand Salary and CTC? ▾

CTC (Cost to Company) is the complete expense a company incurs to employ you (basic pay, HRA, employer EPF, gratuity, and medical insurance). In-Hand Salary is the net amount deposited in your bank account after mandatory salary deductions like Employee EPF (12%), Professional Tax, and Income Tax (TDS). Calculate your take-home pay instantly using our In-Hand Salary Calculator.

What is the difference between CAGR and XIRR for calculating returns? ▾

CAGR (Compounded Annual Growth Rate) measures annualized point-to-point return for a single one-time lumpsum investment. XIRR (Extended Internal Rate of Return) computes annualized returns when there are multiple periodic cash flows at irregular dates (such as monthly SIP installments and periodic partial withdrawals).

Are the calculators updated for the latest Union Budget and tax rules? ▾

Yes. All 300+ tools are actively maintained and updated for Financial Year 2026-27 (Assessment Year 2027-28), incorporating latest Union Budget revisions, updated tax rebates, standard deduction revisions, and RBI repo rate linked loan amortization formulas.

Why Trust ArthCalculator?

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Calculators updated for FY 2026-27 & Union Budget amendments