India Financial Suite

Compare old and new regime liabilities for FY 2026-27, calculate HRA exemption with the expanded 8-city 50% metro list, and model TCS on foreign remittances.

LRS TCS Calculator (Budget 2026)

Calculate TCS on foreign remittances under India's Liberalised Remittance Scheme. Budget 2026 reduced education/medical TCS to 2% and simplified tour packages to flat 2%.

New Labour Codes CTC Restructuring Calculator

Restructure your cost-to-company (CTC) package under India's new 50% basic wage rule and see the impact on net take-home pay, PF, and gratuity.

8-City HRA Exemption Calculator

Calculate your HRA tax exemption under the 8-city expanded rule (adding Bengaluru, Pune, Hyderabad, Ahmedabad) for FY 2026-27.

Loans

Calculate home loan EMIs, total interest, and prepayment savings using standard reducing-balance math.

RBI Mis-Selling Compensation Calculator

Check potential refund & interest compensation claims for forced loan insurance and bancassurance mis-selling under RBI 2026 rules.

Retirement

Estimate UPS assured pension amounts and model NPS and EPF accumulation to retirement.

UPS Pension Estimator

Estimate your guaranteed monthly pension, family pension, and lump sum under India's Unified Pension Scheme (UPS) based on pay and service.

Compare Financial Products

Compare investments, retirement accounts, tax regimes, insurance types, and mortgages side-by-side with interactive calculators and real-time projections.

Browse Comparisons

India Finance Terms

Explore localized financial terms, definitions, and concepts specific to India. Search and understand key finance vocabulary for better planning.

Browse Glossary

The FY 2026-27 rules these Indian tools run on

CBDT rules under the Income Tax Act set the baseline: default new-regime slabs, old-regime deductions, HRA limits, and reducing-balance loan math.

New regime versus old regime

The new regime applies progressive slabs from ₹4 lakh (nil) through 5%, 10%, 15%, 20%, and 25% bands to 30% above ₹24 lakh, minus a ₹75,000 standard deduction, with the 87A rebate wiping tax below ₹12 lakh. The old regime starts taxing at ₹2.5 lakh but subtracts Chapter VI-A deductions first: 80C investments, 80D health premiums, HRA, and home loan interest. A 4% health and education cess applies to the final tax under both.

HRA exemption mechanics

The three-limit minimum (actual HRA, 50%/40% of basic, rent minus 10% of basic) means the binding constraint changes with your rent level: at low rent the third limb usually binds, at high rent the city percentage does. The 8-city expansion moves Bengaluru, Hyderabad, Pune, and Ahmedabad tenants from the 40% to the 50% limb: for many, tens of thousands of rupees of extra exemption per year.

EMI and retirement accumulation math

Home loan EMIs use reducing-balance math: EMI = P × r(1+r)^n / ((1+r)^n − 1), where early payments are mostly interest, the reason prepayments in the first years save the most. On the retirement side, UPS guarantees 50% of final-year average basic after 25 years of service (with a ₹10,000 monthly floor), while NPS and EPF compound contributions at market and declared rates respectively; the calculators project each under its own rules.

Research-Backed ToolsBuilt by Galvin Mendonca, Finance Researcher

All figures from primary government sources. Last updated July 2026.

Frequently asked questions about India finance

Should I choose the old or new tax regime for FY 2026-27?

The new regime is the default: slabs run from nil up to ₹4 lakh to 30% above ₹24 lakh, with a ₹75,000 standard deduction and a Section 87A rebate that makes income up to ₹12 lakh effectively tax-free (₹12.75 lakh for salaried). The old regime keeps HRA, 80C (₹1.5 lakh), 80D, and home loan interest but at higher rates with only a ₹50,000 standard deduction. The break-even depends entirely on your deduction total, so the comparison calculator runs both side by side.

How is HRA exemption calculated, and what changed with the 8-city list?

The exemption is the lowest of: actual HRA received, 50% of basic salary in metro cities (40% elsewhere), and rent paid minus 10% of basic. The 50% metro list has been expanded from the classic four cities to eight (adding Bengaluru, Hyderabad, Pune, and Ahmedabad), which materially raises the cap for tenants there. Rent receipts are required, plus the landlord's PAN above ₹1 lakh of annual rent.

How are equity capital gains taxed?

What is TCS on foreign remittances under LRS?

How does the extra ₹50,000 NPS deduction work?

India Section 80C tax deduction breakdown for FY 2026-27 comparing PPF, ELSS, EPF, and home loan principal with ₹1.5 lakh limit and tax savings calculations

India Section 80C Tax Saving Guide: How to Maximize Deductions in FY 2026-27

Maximize your deductions under Section 80C of the Indian Income Tax Act. Compare PPF, ELSS, EPF, and tax-saving FDs, and learn the rules for FY 2026-27.

Draft Income-tax Rules 2026 HRA exemption guide showing the proposed expansion of the 50 percent HRA cap from 4 to 8 cities adding Bengaluru Pune Hyderabad and Ahmedabad, the three-component exemption test, the landlord PAN rule above 1 lakh rent, and the Old Tax Regime restriction

8-City HRA Exemption Rules Notified for FY 2026-27: What Bengaluru, Pune, Hyderabad, and Ahmedabad Renters Need to Know

The CBDT officially notified the 50% HRA exemption under Income-tax Rules, 2026 (Notification No. G.S.R. 198(E)) for 8 metro cities, adding Bengaluru, Pune, Hyderabad, and Ahmedabad. See the math, the Form 124 landlord relationship rule, and tax savings.

RBI 2026 loan recovery agent rules guide showing the 8 AM to 7 PM call window, mandatory IIBF certification requirement, call recording mandate, published agent lists, explicit harassment bans, and the complaint escalation path from bank grievance officer to RBI Banking Ombudsman

RBI Bans Recovery Calls After 7 PM: The New Loan Recovery Agent Rules Every Indian Borrower Must Know

The RBI 8 AM–7 PM call window (active since August 2022) and the upcoming 2026 consolidated recovery framework mandate IIBF certification and call recordings. Here is what counts as harassment and how to file an Ombudsman complaint.

RBI anti-mis-selling final directions guide showing the June 15 2026 issuance, January 1 2027 effective date, 100 percent refund for forced insurance bundling, dark patterns ban, suitability assessment requirements, and the step-by-step complaint process through bank grievance officer and RBI Ombudsman

RBI's Anti-Mis-Selling Rules Are Final: Full Refund for Forced Insurance, Illegal Bundling, and Hidden Charges — Here's How to Claim

The RBI issued final directions on June 15, 2026 banning forced insurance bundling, dark patterns, and mis-selling by banks and NBFCs. Effective January 1, 2027, customers get a 100% refund if mis-selling is proven. Here's what qualifies, how to file a complaint, and the compensation math.