Income tax tools for India: regimes, HRA, gains and returns
Compare the old and new regimes, work out HRA, capital gains, advance tax and ITR-U costs, check Form 15G or 15H, and draft rent receipts and notice replies.
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Go to the 25 toolsWorking out your income tax before you file
For resident individuals in India who want to know what they owe before the return is filed: salaried people choosing a regime, landlords and tenants, investors who sold shares, gold or a house, small traders on presumptive income, NRIs settling their residential status, and anyone holding a notice from the department.
How to choose
Start with the question you have:
How much tax, and which regime? India Income Tax Calculator compares the two in full, HRA Exemption Calculator and Home Loan Tax Benefit Calculator show what each claim is worth, and Form 12BB Generator tells your employer about them.
You sold something: Capital Gains Tax Calculator, India Cost Inflation Index (CII) Calculator and Capital Gains Exemption Calculator for reinvesting the gain.
Paying during the year: Advance Tax Calculator, and Form 15G/15H Eligibility Checker to see whether a declaration can stop TDS on interest.
Filing: ITR Documents Checklist, Form 16, AIS & 26AS Reconciler and Presumptive Tax & Tax Audit Checker for a business or a profession.
Late or wrong: Belated ITR Late Fee and Interest Calculator, Updated Return (ITR-U) Eligibility and Additional Tax Calculator and Income Tax Notice Reply Drafter.
Living abroad: NRI Residential Status Calculator.
Rates, slabs and limits are those of the tax year each tool names; the Finance Act can change them every year.
The main tools, compared
| Tool | When to pick it | Country | What you give it | What you get | Works offline | Stays on your device |
|---|---|---|---|---|---|---|
| India Income Tax Calculator (Old vs New Regime) Pro tool | Runs a full computation under both regimes, salary, house property, interest, gains and deductions included, and says which one costs less. | India | Numbers | Free preview: the tax payable under the cheaper regime in full, with the first rows of each table (up to 3) and the first step of the working; every other figure is hidden | Yes | Yes |
| HRA Exemption Calculator (India) Pro tool | Takes basic pay, HRA and rent month by month and returns the exempt and taxable parts, with the city rule that decides the limit. | India | Numbers | Free preview: the exempt HRA (or the rent deduction) in full, with the first rows of the table (up to 3) and the first step of the working; every other figure is hidden | Yes | Yes |
| Capital Gains Tax Calculator (India) Pro tool | Decides whether a sale is short or long term, works out the gain and shows how much tax that sale adds to your year. | India | Numbers | Free preview: the tax due to this sale in full, with the type of gain, how long you held it and the first rows of each table (up to 3); every other amount is hidden | Yes | Yes |
| Form 15G/15H (Form No. 121) Eligibility Checker and Filler (India) Pro tool | Tests whether your income allows a declaration against TDS on bank or fixed deposit interest, and fills the form once it does. | India | Numbers | Free preview: whether a declaration is valid and every condition checked, with the amounts hidden, and the drafts as pages marked “MySmartCoPilot preview · not for use” | Yes | Yes |
| Presumptive Tax & Tax Audit Checker (India): 44AD, 44ADA, 44AE Premium tool | Checks the presumptive schemes for a shop, a profession or goods carriages, with the five-year rule, the books to keep and whether a tax audit applies. | India | Numbers | Free preview: whether each presumptive scheme is open to you and the first half of its checks, with the income, the tax audit, books and return verdicts hidden | Yes | Yes |
| Updated Return (ITR-U) Eligibility and Additional Tax Calculator Pro tool | Says whether a past year can still be corrected with ITR-U, by when, and the tax, interest, fee and additional tax to pay before filing it. | India | Numbers | Free preview: what you must pay to file it in full, with the first rows of each table and the first step of the working; every other amount is hidden | Yes | Yes |
| Income Tax Notice Reply Drafter (India) Premium tool | Identifies what a notice asks for and where to answer it, works out the reply deadline and drafts a submission with your reconciliation. | India | Nothing — start blank | Free preview: every page with your details, the first part of the wording readable and the rest hidden, marked “MySmartCoPilot preview · not for use” | No | Yes |
| Rent Receipt Generator (India) Pro tool | Prints a whole year of numbered rent receipts in one go, and warns when the landlord’s PAN is needed for the HRA claim. | India | Nothing — start blank | Free preview: every page with your details, the first part of the wording readable and the rest hidden, marked “MySmartCoPilot preview · not for use” | Yes | Yes |
Worked example: a salary of ₹15 lakh with rent in Bengaluru, under both regimes
A salaried employee earns ₹15,00,000 with ₹7,50,000 of basic pay and DA and ₹3,00,000 of HRA, pays ₹25,000 a month as rent in Bengaluru, invests ₹1,50,000, pays ₹25,000 for health insurance and earns ₹8,000 of savings interest.
New regime: after the ₹75,000 standard deduction and with the interest added, total income is ₹14,33,000; the slab tax is ₹94,950 and with cess the tax is ₹98,750.
Old regime: ₹2,25,000 of the HRA is exempt, and with the ₹50,000 standard deduction, professional tax and ₹1,83,000 of deductions, total income is ₹10,47,600.
The old regime’s tax is ₹1,26,780 plus cess, ₹1,31,850 in all.
The new regime costs ₹33,100 less; the old one would need ₹1,35,316 more in deductions to break even.
Questions
Which regime applies if I do not choose one?
The new regime applies unless you opt for the old one. The income tax calculator works out both on the same figures, so you can see which one leaves you more before you decide.
Is HRA exempt in the new regime?
No. The HRA exemption is an old-regime claim, so the HRA calculator works for the old regime only; in the new regime the whole HRA is taxed as salary.
What if I missed something in a return already filed?
Within the time the law allows you can file an updated return, ITR-U, paying the tax with interest and an additional tax that rises with the delay. The ITR-U calculator works out that cost.
Can a tool here file my return or answer a notice for me?
No. They compute and draft; the return is filed and a notice answered on the income-tax e-filing portal, by you or your chartered accountant.
For general information only; check the official source before you file, sign or apply.
Start with these
- Income Tax Notice Reply Drafter (India) Free preview: every page with your details, the first part of the wording readable and the rest hidden, marked “MySmartCoPilot preview · not for use”
- Form 15G/15H (Form No. 121) Eligibility Checker and Filler (India) Can a declaration stop TDS on your interest? Check the conditions, then fill the form.
- India Income Tax Calculator (Old vs New Regime) Full old-vs-new regime income tax for India, for every tax year it supports.
- HRA Exemption Calculator (India) Exempt and taxable HRA, month by month, with the eight 50% cities of rule 279.
- Presumptive Tax & Tax Audit Checker (India): 44AD, 44ADA, 44AE Presumptive income, the five-year rule, books and tax audit for small businesses.
- Rent Receipt Generator (India) A year of rent receipts in one go — monthly or quarterly, 1–3 per A4 page.
More tools here
- Updated Return (ITR-U) Eligibility and Additional Tax Calculator Can you still file ITR-U for a past year, by when, and what it costs to file?
- Capital Gains Tax Calculator (India) Short- or long-term, the gain, and the tax a sale really adds to your year.
- Stamp Duty Value vs Sale Price Income-Tax Checker (India) Circle rate above the price? The 10% test, the deemed value and the tax for each side.
- Belated ITR Late Fee and Interest Calculator (234F and 234A) The late filing fee and interest on an Indian return, with the last dates to file.
- India Cost Inflation Index (CII) Calculator The official CII table, your indexed cost, and whether indexation still applies.
- F&O and Intraday Turnover & Tax P&L Calculator (India) Turnover, tax audit and carry-forward for F&O and intraday trades, on your device.
- Mutual Fund CAS Analyzer (India): XIRR, Capital Gains, Allocation Your whole mutual fund statement, read in your browser: returns, gains and costs.
- TDS Calculator (India) Does TDS apply, at what rate, and how much — under the new Income-tax Act and the old one.
- Capital Gains Exemption Calculator (India): 54, 54EC, 54F Sold a house, land, shares or gold? See what reinvesting can exempt, and by when.
- Advance Tax Calculator (India) How much advance tax to pay by each due date, and the interest if you pay late.
- Form 16, AIS & 26AS Reconciler (India) and ITR Form Chooser Catch the mismatches between Form 16, AIS and Form 26AS before you file.
- Home Loan Tax Benefit Calculator (India) Interest and principal by year, the deductions they give, and the tax saved per regime.
Lessons on this
All 25 tools
Every tool here by name, grouped by what it is for.
Show the full listHide the full list: All 25 tools
Salary, regime choice, HRA & deductions (India)
5 toolsITR filing, refunds & notices (India)
7 tools- Belated ITR Late Fee and Interest Calculator (234F and 234A) For India Pro tool
- Form 16, AIS & 26AS Reconciler (India) and ITR Form Chooser For India Premium tool
- Income-tax Computation Sheet from ITR JSON (AY 2026-27 working paper) For India Premium tool
- Income Tax Notice Reply Drafter (India) For India Premium tool
- ITR Documents Checklist (India): What to Collect Before Filing For India Pro tool
- Presumptive Tax & Tax Audit Checker (India): 44AD, 44ADA, 44AE For India Premium tool
- Updated Return (ITR-U) Eligibility and Additional Tax Calculator For India Pro tool
Advance tax & TDS on your income (India)
3 toolsCapital gains on shares, funds & property (India)
7 tools- Capital Gains Tax Calculator (India) For India Pro tool
- India Cost Inflation Index (CII) Calculator For India Pro tool
- FIFO Capital Gains Calculator (Shares & Mutual Funds) For India Pro tool
- F&O and Intraday Turnover & Tax P&L Calculator (India) For India Premium tool
- Capital Gains Exemption Calculator (India): 54, 54EC, 54F For India Pro tool
- Mutual Fund CAS Analyzer (India): XIRR, Capital Gains, Allocation For India Premium tool
- Stamp Duty Value vs Sale Price Income-Tax Checker (India) For India Pro tool
NRI tax & money sent abroad (India)
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Inside this hub
Good to know
- All 25 tools run in your browser: what you open or paste is not uploaded.
- 24 of 25 keep working without a connection once loaded.
- Results are estimates for planning and learning, not financial or tax advice. Check the method and assumptions on each tool’s page.
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