Finance & tax
EMI, tax, HRA, FD/RD, GST — calculators built for Indian rules.
Calculators that bake in the actual Indian rule set — FY 2025-26 tax slabs, the new ₹12 L rebate, HRA exemption formula, GST inclusive/exclusive math, and bank-spec EMI amortization.
Latest in this suite
15 fresh tools just shipped
All finance & tax
20 tools in total
What's in this suite
Most online calculators were built for the US or use stale Indian rules. CleverTools' finance suite is updated for FY 2025-26 — the new tax regime's ₹12 L Section 87A rebate, current HRA exemption formula (lowest of three), correct TDS slabs, and bank-standard EMI math (reducing balance, monthly compounding). Every result includes a year-by-year breakdown so you can see exactly where your money goes.
Common workflows
Common pairings: Income Tax Calculator + Deductions 80C to compare old vs new regime with your actual investments. EMI + Loan Eligibility for understanding how much loan you'll qualify for at a given salary. FD/RD Calculator + Income Tax to model post-tax interest income. HRA + Income Tax to calculate the actual rent-receipt-driven savings.
Frequently asked
Quick answers about the finance & tax suite.
Are the tax calculators current for FY 2025-26?
Yes. Income Tax, TDS, and HRA calculators reflect FY 2025-26 rules — including the new tax regime's ₹12 lakh Section 87A rebate, the revised slabs, and the standard deduction increase to ₹75 000.
Should I use the old or new tax regime?
The Income Tax Calculator shows both side-by-side with your actual numbers. Generally: the new regime wins if your deductions (80C + HRA + home loan + medical) total under ~₹3 L; the old regime wins if you have a fully utilised 80C, significant HRA, and a home-loan interest claim.
Is the EMI calculation bank-standard?
Yes — reducing balance with monthly compounding, matching the EMI any Indian bank quotes (HDFC, SBI, ICICI, Axis, Kotak). The amortization table shows principal-vs-interest split month by month, which matches your bank statement exactly.
Do these tools store my financial data?
No. Every calculation runs in your browser. We don't log inputs, outputs, or results — your salary, loan amount, and tax liability never touch a server.
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