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India Money Calculators — GST 2.0, Tax, Gold & Property

Every calculator here reflects the rules that actually apply in 2026: the GST 2.0 slabs (5/18/40) that replaced 12% and 28% in September 2025, the FY 2026-27 income tax regime with zero tax up to ₹12 lakh, post-July-2024 capital gains rules, and current state stamp duties. No login, no tracking — every calculation runs in your browser. The calculators are grouped into four clusters below: tax and salary, GST 2.0, property and gold, and NRI and Gulf tools. Pick the one that matches your question, or read the short guide under each section to see how they connect.

Tax

GST by Category

Gold & Property

NRI & Gulf

Tax & Salary Calculators

Most people start with one of two questions: how much tax will I pay, and how much actually reaches my bank account. The income tax calculator for FY 2026-27 compares the new and old regimes side by side and applies the ₹60,000 §87A rebate that makes income up to ₹12 lakh effectively tax-free. Because your take-home depends on more than just tax, the in-hand salary calculator converts a CTC into a monthly figure after employer and employee PF, professional tax and TDS — with worked examples for 6, 10, 15 and 20 LPA. If you rent, the HRA exemption calculator shows how much of your House Rent Allowance is tax-free under the three-test rule (and the crucial fact that HRA exemption does not exist in the new regime). Still deciding which regime to pick? The new vs old regime tool answers it for your exact numbers.

GST 2.0 Calculators

GST 2.0 replaced the old 12% and 28% slabs with a cleaner 5/18/40 structure in September 2025, and every page here uses the new rates. The main GST calculator adds or removes GST and splits it into CGST, SGST and IGST, while the reverse GST calculator extracts the base price from any GST-inclusive amount — useful for input tax credit and expense claims. For specific purchases, we cover GST on gold (3% on metal, 5% on making charges), GST on cars (18% for small cars, 40% for SUVs), GST on electronics (TVs, ACs and fridges that fell from 28% to 18%), GST on restaurant food (the 5% rule and Swiggy/Zomato billing), and GST on rent for commercial and residential property.

Property & Gold Calculators

Buying or selling property in India carries costs well beyond the sticker price. The home loan EMI calculator shows your monthly payment and how much prepayment really saves, with an EMI table from ₹20 lakh to ₹1 crore at current SBI/HDFC/ICICI-style rates. On top of the loan, budget for stamp duty and registration — 4–7% of value depending on state, with women's concessions and a dedicated Pune breakdown. When you sell, the property capital gains calculator compares the 12.5% flat rate against 20% with indexation and explains the Section 54 reinvestment exemption and NRI TDS rules. To claim your home-loan tax deductions, see the home loan tax benefit calculator for §24(b) interest and §80C principal. For jewellery, the gold price calculator builds the honest price from rate, purity, weight, making charges and 3% GST.

NRI & Gulf Calculators

For the millions of Indians working in the Gulf, end-of-service pay and remittances are the big money events. The UAE gratuity calculator applies the 21/30-day MOHRE formula and explains how the payout is taxed (or not) when you bring it home, while the Saudi Arabia gratuity calculator handles the different KSA half-month/full-month rule. Returning workers can size domestic payouts with the India gratuity calculator (the 15/26 formula under the Payment of Gratuity Act). And because sending money to or from India can trigger Tax Collected at Source, the TCS on remittance calculator works out exactly what you owe under the Liberalised Remittance Scheme.