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Tax Calculators

Income tax, GST and HRA worked out the way the rules actually apply

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Tax questions tend to arrive at the worst moment: while writing an invoice, when an employer asks for rent receipts, or in the week the declaration is due. These work out the tax on a salary under both regimes, GST on a price in either direction with the CGST, SGST and IGST split, and the part of your house rent allowance that is exempt under section 10(13A), showing each step so you can check the arithmetic yourself.

India Income Tax CalculatorOld regime against new regime, side by side, with the slab-wise working shownGST CalculatorAdd or remove GST, with the CGST, SGST or IGST split for every itemGST Invoice GeneratorA tax invoice with the CGST, SGST and IGST split decided by the place of supplyHRA Exemption CalculatorHow much of your HRA is tax-free, with the least-of-three rule shownCapital Gains Tax CalculatorTax on a sale of shares, property or gold, under the rates that began in July 2024Rent Receipt GeneratorMake signed rent receipts for an HRA claim, a month or a whole year at a timeRupees to Words ConverterAny amount spelled out for a cheque, in English, Hindi, Marathi, Gujarati or Tamil

Income tax

Income Tax Calculator puts the old and the new regime side by side with the slab-wise working shown for each. The choice between them is arithmetic, not opinion: the new regime has wider slabs and almost no deductions, the old one is narrower and lets you subtract HRA, provident fund, insurance and home loan interest. Whichever total is lower is the answer, and for most people who do not claim much it is the new one.

GST

GST Calculator adds GST to a price or takes it out of an inclusive one, and splits the tax into CGST and SGST for a sale within a state or IGST for one between states. Rates have been restructured more than once, so confirm the rate for your goods before you invoice.

HRA

HRA Calculator applies the least-of-three rule: the HRA you received, rent paid minus ten percent of basic pay, and half of basic pay in a metro city or forty percent elsewhere. HRA exemption exists only under the old tax regime.

Writing the amount out

Rupees to Words spells an amount for a cheque or an invoice, in Indian lakh and crore or in international millions. An invoice that carries the amount in words as well as figures is harder to alter and is expected on most formats, and the two number-naming systems are a common source of confusion between an Indian and an overseas counterparty.

What these are not

They are calculators, not advice. They follow the rules as written and show the rate or rule they used, but your situation may have details they cannot see. For filing, check with a chartered accountant.

Frequently asked questions

How do I remove GST from an inclusive price?

Divide the price by one plus the rate. For 18 percent, a price of 1,180 contains 180 of GST. The calculator does this when you choose "remove GST".

When is it CGST and SGST, and when IGST?

A sale within one state carries CGST and SGST in equal halves. A sale between states carries IGST at the full rate.

Can I claim HRA under the new tax regime?

No. The HRA exemption (section 10(13A) of the 1961 Act; Schedule III, Sl. No. 11 of the Income-tax Act, 2025 from tax year 2026-27) is available only if you choose the old regime.

Which cities count as metro for HRA?

From tax year 2026-27, eight: Mumbai, Kolkata, Delhi, Chennai, Hyderabad, Pune, Ahmedabad and Bengaluru (rule 279 of the Income-tax Rules, 2026), where the limit is 50 percent of basic pay plus DA. Everywhere else it is 40 percent. For FY 2025-26 only the first four count.

Are these calculations financial advice?

No. They are estimates for information. Confirm anything you file with a qualified professional.

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Guides for these tools

All guides
  • How to calculate GST inclusive and exclusive, and take GST out of a priceThe two GST formulas, adding GST and removing it from an inclusive price, worked at 5%, 18% and 40%, the CGST/SGST split, and why subtracting 18% is wrong.
  • How to calculate HRA exemption, the least-of-three rule worked throughExempt HRA is the least of HRA received, rent minus 10% of salary, and 50% or 40% of salary. ₹50,000 basic and ₹18,000 rent: ₹13,000 a month tax-free.
  • What you are owed when you leave a job in IndiaNotice pay, unused leave, gratuity, provident fund and the tax on all of it, in the order they are worked out and settled after you resign.
  • How to count cash by denomination, and split an amount into the fewest notesCount notes and coins by denomination, with the total in figures and words: a drawer of 91 pieces worked to ₹9,587, and the fewest notes for any sum.
  • How to open a password-protected Form 16 or AIS PDF, and save a copy without the passwordWho sets the Form 16 password and where its format is written, the AIS password format, and how to save an unlocked copy for your ITR or loan file.
  • How to make a rent receipt for an HRA claim, and what payroll checksWhat an HRA rent receipt must show, when the landlord's PAN is needed (rent over ₹1 lakh a year), the revenue stamp myth, and the 8 cities at 50%.
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