Akhilesh Kumar · Chartered Accountant (ICAI, 2022) · Gurgaon

Indian income tax, GST and personal finance, with the working shown.

29 free calculators and in-depth guides on Indian income tax, TDS, GST, salary, loans and savings, written by a Chartered Accountant who runs a company's finance function. Every tax answer names the section of the Income-tax Act, 2025 or the GST law it rests on, links the official source and shows the arithmetic line by line. Work out your income tax for tax year 2026-27 under the old and new regimes, convert CTC to in-hand salary, add or remove GST and check the TDS rate under section 393.

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87pieces, numbers on the page
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2022ICAI-qualified, in industry

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Returns, rolling consistency, volatility, drawdowns and recovery per fund · compare 2–5 funds · SIP goal and retirement planners with 8 / 10 / 12% scenarios Research, compare, simulate Business Tax Decision Intelligence LLP vs Pvt Ltd vs HUF vs sole proprietor — on your figures, with every rule, rate and cost shown.

4structures, side by side
3 & 5 yrnet benefit and break-even
2025Income-tax Act, tax year 2026-27

Tax, surcharge and cess · presumptive taxation · owner remuneration, dividend and extraction tax · setup and compliance cost · evidence on every figure Compare the structures

Tax & Money DashboardTax year 2026-27 Runs in your browser · nothing stored 31 Oct 2026

Next advance tax instalment 15 Dec 15 Dec 2026 · 75% of the year’s tax Plan it →
Next GST return 11 Nov GSTR-1 for Oct All due dates →
Calculators 29 live Tax 8 · Investing 7 · Loans 6 · Salary 4 · Financial Planning 3 · GST 1 Open all →
Writing 87 pieces 41 in the last 30 days · latest 31 Oct 2026 All writing →

Compliance calendarnext 6 dates

31Oct TDS and TCS statements for Q2 (Forms 138, 140, 143, 144)Every deductor and collector (earlier 24Q, 26Q, 27Q and 27EQ) Tax 31 Oct 2026
7Nov TDS / TCS deposit for OctEvery deductor Tax 07 Nov 2026
11Nov GSTR-1 for OctMonthly filers GST 11 Nov 2026
15Nov EPF and ESI contributions for OctEmployers Payroll 15 Nov 2026
20Nov GSTR-3B and tax for OctMonthly filers GST 20 Nov 2026
21Nov ITR for audit cases, tax year 2025-26 — extended from 31 OctCompanies, audit cases and partners of audited firms Tax 21 Nov 2026
30Nov Last day to take input tax credit on 2025-26 invoices and debit notes; 2025-26 credit notes and rule 37A reversals dueEvery regular GST taxpayer GST 30 Nov 2026
7Dec TDS / TCS deposit for NovEvery deductor Tax 07 Dec 2026
11Dec GSTR-1 for NovMonthly filers GST 11 Dec 2026
15Dec EPF and ESI contributions for NovEmployers Payroll 15 Dec 2026
15Dec Advance tax: 75% of the year’s taxTax ≥ ₹10,000 after TDS Tax 15 Dec 2026
20Dec GSTR-3B and tax for NovMonthly filers GST 20 Dec 2026
31Dec AOC-4: audited financial statements for 2025-26 filed with the RoC — no additional fee until 31 DecEvery company (normally 30 days from the AGM) Company 31 Dec 2026
31Dec GSTR-9 / 9C annual return for 2025-26Turnover above ₹2 crore / ₹5 crore GST 31 Dec 2026
31Dec Belated or revised ITR for 2025-26Anyone who missed 31 July Tax 31 Dec 2026
7Jan TDS / TCS deposit for DecEvery deductor Tax 07 Jan 2027
11Jan GSTR-1 for DecMonthly filers GST 11 Jan 2027
13Jan GSTR-1 (QRMP) for the quarterQuarterly filers GST 13 Jan 2027
15Jan EPF and ESI contributions for DecEmployers Payroll 15 Jan 2027
20Jan GSTR-3B and tax for DecMonthly filers GST 20 Jan 2027
31Jan TDS and TCS statements for Q3 (Forms 138, 140, 143, 144)Every deductor and collector (earlier 24Q, 26Q, 27Q and 27EQ) Tax 31 Jan 2027
31Jan MGT-7 / MGT-7A annual return for 2025-26 — no additional fee until 31 JanEvery company (normally 60 days from the AGM) Company 31 Jan 2027
7Feb TDS / TCS deposit for JanEvery deductor Tax 07 Feb 2027
11Feb GSTR-1 for JanMonthly filers GST 11 Feb 2027
15Feb EPF and ESI contributions for JanEmployers Payroll 15 Feb 2027
20Feb GSTR-3B and tax for JanMonthly filers GST 20 Feb 2027
7Mar TDS / TCS deposit for FebEvery deductor Tax 07 Mar 2027
11Mar GSTR-1 for FebMonthly filers GST 11 Mar 2027
15Mar EPF and ESI contributions for FebEmployers Payroll 15 Mar 2027
15Mar Advance tax: 100% of the year’s taxTax ≥ ₹10,000 after TDS Tax 15 Mar 2027
20Mar GSTR-3B and tax for FebMonthly filers GST 20 Mar 2027
11Apr GSTR-1 for MarMonthly filers GST 11 Apr 2027
13Apr GSTR-1 (QRMP) for the quarterQuarterly filers GST 13 Apr 2027
15Apr EPF and ESI contributions for MarEmployers Payroll 15 Apr 2027
20Apr GSTR-3B and tax for MarMonthly filers GST 20 Apr 2027
30Apr TDS / TCS deposit for MarchEvery deductor Tax 30 Apr 2027
7May TDS / TCS deposit for AprEvery deductor Tax 07 May 2027
11May GSTR-1 for AprMonthly filers GST 11 May 2027
15May EPF and ESI contributions for AprEmployers Payroll 15 May 2027
20May GSTR-3B and tax for AprMonthly filers GST 20 May 2027
31May TDS and TCS statements for Q4 (Forms 138, 140, 143, 144)Every deductor and collector (earlier 24Q, 26Q, 27Q and 27EQ) Tax 31 May 2027
15Jun Form 130 (earlier Form 16) to employees for 2026-27Employers Payroll 15 Jun 2027
15Jun Advance tax for tax year 2027-28: 15% of the year’s taxTax ≥ ₹10,000 after TDS Tax 15 Jun 2027
31Jul ITR for tax year 2026-27Individuals with no business or professional income Tax 31 Jul 2027
31Jul TDS and TCS statements for Q1 (Forms 138, 140, 143, 144)Every deductor and collector (earlier 24Q, 26Q, 27Q and 27EQ) Tax 31 Jul 2027
31Aug ITR for tax year 2026-27, business or profession without auditFreelancers, professionals and businesses whose accounts are not audited, and partners of such firms Tax 31 Aug 2027
15Sept Advance tax for tax year 2027-28: 45% of the year’s taxTax ≥ ₹10,000 after TDS Tax 15 Sept 2027
30Sept Statutory audit and AGM: accounts for 2026-27 adoptedEvery company except a one-person company (Companies Act, section 96) Company 30 Sept 2027
30Sept Tax audit report (Form 26) for tax year 2026-27Turnover or receipts above the section 63 limits Tax 30 Sept 2027

Monthly TDS, GST and payroll dates, the advance-tax instalments, tax audit, AGM and RoC filings, and the year-end returns. Weekends and notified extensions are not applied.

New regime slabs2026-27

0%to 4L
5%4–8L
10%8–12L
15%12–16L
20%16–20L
25%20–24L
30%24–24L+

Nil to ₹12 lakh after the section 87A rebate; standard deduction ₹75,000 for salary. Compare with the old regime →

CalculatorsOpen all ›

Financial health Financial Planning CTC breakup Salary SIP Investing TDS Tax Income tax — advanced Tax NRI income tax Tax Income tax Tax Capital gains Tax GST GST Advance tax Tax Corporate tax Tax Gratuity Salary Credit card interest Loans Severance and settlement Salary 8th Pay Commission Salary Rent vs buy Financial Planning Loan eligibility Loans HRA exemption Tax IPO allotment Investing FD, RD and Post Office Investing Solar savings Financial Planning EMI Loans Flat rate EMI Loans Home loan EMI Loans Car loan EMI Loans PPF Investing SCSS Investing Sukanya Samriddhi Investing RD Investing

Latest piecesAll writing ›

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1accountant, checking each rule against its section

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Income Tax calculator Old and new regime side by side, slab by slab. CTC Breakup calculator From cost-to-company to in-hand, with EPF, ESI and gratuity. TDS calculator The section, the rate and the net, for whatever you are paying. SIP Calculator calculator Monthly SIP, step-up SIP or lump sum, and the real annualised return. EMI calculator Monthly instalment and total interest the way banks charge it.

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The method

Four steps. One accountant. No hot takes.

Every piece on this site goes through the same four steps, and the calculators are built to the same rule: the working is on the page so it can be checked.

01Read

Start from the statute, not the summary.

A rule is quoted from the section it lives in, with the section named — old number and new, where the 2025 Act renumbered it.

02Work

Worked through, not asserted.

If a piece says a figure, the arithmetic is on the page. The calculators show the formula they use rather than hiding it.

03Check

Four rules, and I'd like to be held to them.

No affiliate links or sponsored posts. Sources named. Numbers checked against the current Finance Act before anything is published.

04Correct

Fixed where it stands, and noted.

Corrections go into the piece itself and are recorded at its foot, so a later reader sees the right figure and an earlier one sees what changed.

Latest

The newest piece.

Direct Tax

Featured

Direct Tax 18 Aug 2026 · 8 min read

Old Regime or New: How to Actually Decide

The comparison everyone runs is the wrong one. Instead of asking which regime is better, work out your break-even deduction — the single number that settles it in about two minutes.

Read the piece

Recent

The last six pieces.

All 87 articles, by subject

Fintech 31 Oct 2026 01 Bank Account Frozen or Lien Marked After a Cyber Complaint: How to Get It Released, Step by Step A payment you received is reported as cyber fraud, and your bank puts a lien on the money or freezes the account. It can follow a wrong credit, a P2P crypto sale, a gaming payout or a payment that passed through several accounts before yours. Since January 2026 the Ministry of Home Affairs has a written procedure for this, with time limits at every stage: 7 days for your bank to file your grievance, 15 days for the police to decide, a district and a State officer above them, and a 90-day review of holds. What the procedure says, which documents to give, what the High Courts have held, and what RBI is changing, from the government's own documents. Read more GST 31 Oct 2026 02 GST Changes From 1 November 2026: What Is Now Law, What Costs Less and What Businesses Must Do Three weeks after the 57th GST Council met, the Government notified its decisions. From 1 November 2026 a discount given after a sale can go through a GST credit note without a prior agreement, inverted-duty refunds get a 90% provisional payout and count input services, isabgol is exempt, retreaded tractor tyres fall to 5%, delivery of app orders is taxed at 5%, and scrap, used cooking oil and e-waste move to reverse charge and TDS. Refund forms, e-invoicing and the new suspension rules follow on 1 December, 1 January and 1 April. Arrests and prosecution still wait for Parliament. Every change, read from the notifications themselves, with rupee examples. Read more Markets 31 Oct 2026 03 Jio Shares After Listing: The First Results, the Lock-in Calendar and the Tax If You Sell Jio Platforms closed its third trading day at ₹1,431.30, 27.9% above the ₹1,119 issue price, and reported its first results as a listed company the same evening: profit up 13.7% to ₹8,387 crore. For the lakhs who now hold the shares, three things matter next. Only 2.2% of Jio's shares can be traded today, and the lock-ins lift in stages from 25 November, with a far larger block in April 2027. Selling within 12 months costs 20% of the gain, after it 12.5%, with the first ₹1.25 lakh of gains tax-free. The numbers from NSE and Jio's own filings, worked for one lot and for fourteen, with no tip either way. Read more Personal Finance 31 Oct 2026 04 PM-KISAN 24th Instalment: How to Check Your Status, Why the ₹2,000 Did Not Come, and How to Fix It The 24th PM-KISAN instalment went out on 30 October 2026: over ₹18,690 crore to 9.34 crore farmers. If the ₹2,000 has not reached your account, the reason is almost always one of a short list: e-KYC not done, land records not seeded, a bank account not linked to Aadhaar, a family flagged for physical verification, or an exclusion rule. This guide works from the PM-KISAN portal, its FAQs and PIB's releases: how to check your status, what each problem means, which fix belongs on the portal and which at the State office, and what the official numbers show about who has been paid. Read more Direct Tax 31 Oct 2026 05 Tax Planning for FY 2026-27: Every Deduction That Still Works Under the New Income-tax Act, Worked Examples, and 15 Viral Tax Hacks Checked FY 2026-27 is the first year taxed under the Income-tax Act, 2025, and almost every familiar section has a new number: 80C is now section 123, 80D is 126, 87A is 156 and HRA sits in Schedule III. This guide reads each provision on the Income Tax Department's own site and the Finance Act, 2026, then shows what still saves tax in each regime, with worked examples at ₹12.75 lakh, ₹15 lakh, ₹25 lakh and for a retired couple. It also tests fifteen tax tips going round on social media, from paying rent to parents to political donations, against the law. Read more Investing 30 Oct 2026 06 Anthropic IPO: Can You Invest From India? The LRS Route, the 20% TCS, Tax in the US and India, and Schedule FA Anthropic, the company behind the Claude AI models, has filed to list on Nasdaq as ANT. An Indian resident can buy its shares, but only through the Liberalised Remittance Scheme, with 20% TCS on whatever is sent above ₹10 lakh a year, Indian tax on any gain, a Schedule FA disclosure every year and a US estate-tax rule few people know about. This guide walks through each step from the primary texts, with no view on whether to buy. Read more

Frequently asked

What people ask before they read on — or run a number.

Something else? Write to hello@caakhilesh.in and the accountant who wrote the piece will reply.

Who writes this, and is any of it advice?

CA Akhilesh Kumar, a Chartered Accountant qualified with the ICAI in 2022 and a Senior Finance Manager in industry in Gurgaon; every article, calculator and tool here is his own work. None of it is tax, financial, investment or legal advice, and it takes no account of your circumstances. For your own position, engage a professional who can.

What is on the site besides the writing?

29 calculators for Indian income tax, TDS, GST, salary, loans and investing; the Tax & Money Lab with the Tax Decision Engine, Business Tax Decision Intelligence (LLP vs Pvt Ltd vs HUF), and Investing Intelligence — research on 430-plus mutual funds, side-by-side comparison, and goal and retirement planners; Career Intelligence with sourced salary evidence, a market radar and a job-fraud checker; and a curated news page explained in plain words.

Where does the mutual fund data come from, and does the site recommend funds?

Scheme identity, category, daily NAV and NAV history come from AMFI and carry provenance — source, observation date and collection date on every figure. Expense ratio, AUM, portfolio, manager, riskometer and benchmark series are shown as Insufficient data until the official record is on file; nothing is estimated and no proxy index is substituted. The site does not recommend buying, selling or holding any scheme and never ranks funds: "best" is answered as a research question with the dimensions shown.

Do the calculators and tools store what I type?

No. Every calculator, the decision engines, the fund comparison and the planners run in your browser; the site's security policy allows the page no connection to any other server. A share link carries the figures after the # in the address, which browsers never send; a PDF is built on your device. No PAN, Aadhaar, bank or broker details are asked for anywhere.

How current is the tax content?

Articles name the provision they rest on. The calculators and the Tax Decision Engine follow the Income-tax Act, 2025 where it applies from 1 April 2026 (tax year 2026-27), and the business-structure tool states the assessment or tax year on every rate. The law moves with every Finance Act, so check the date on a piece before relying on it.

Are the returns in the planners forecasts?

No. The goal and retirement planners show 8%, 10% and 12% as illustrative scenarios you can change; inflation is an assumption shown in the input and never applied silently, and every target is also shown in today's purchasing power.

Can I quote a figure or link to a page?

Yes. Every calculator has a ready-made credit line, and articles and tools can be linked freely; a link back is all that is asked. Republishing data tables wholesale is not permitted.

Are there affiliate links, sponsored pieces or adverts?

None. No affiliate links, sponsored posts, referral codes, adverts or paid rankings — on the writing, the calculators or the fund research.