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Personal finance in India: guides and calculators

Salary, loans, savings and the tax a household pays. Each calculator runs in your browser, and nothing you type is stored.

9 articles · 7 calculators and tools

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Calculators and tools.

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Articles on personal finance.

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Direct Tax 29 Sept 2026 01 Diwali 2026 Money Guide: Tax on Gifts, Bonus and Gold — the ₹15,000 Gift from Your Employer, Gifts to Spouse and Parents, and What You Pay When You Sell Gold A festive-season tax guide for tax year 2026-27, the first Diwali under the Income-tax Act, 2025. Gifts from an employer are tax-free below ₹15,000 a year, up from ₹5,000. Gifts from friends are taxed in full once they cross ₹50,000. A gift to a spouse, daughter-in-law or minor child saves no tax on the income it earns. A bonus can be taxed away almost entirely near ₹12 lakh of income. Cash of ₹2 lakh or more cannot be accepted even from a relative. Gold sold after 24 months is taxed at 12.5%, and Sovereign Gold Bonds redeemed early are no longer tax-free. With the rules for employers on GST, TDS and statutory bonus. Read more Direct Tax 26 Sept 2026 02 Where Is My Income Tax Refund? ₹2.20 Lakh Crore Has Gone Out — Why Yours May Be Held, and the Four Dates Left for FY 2025-26 Refunds are going out faster than last year — ₹2.20 lakh crore by 17 September, up 29% — yet 'where is my refund' is the personal-tax question India keeps searching. A record 7.8 crore returns were filed for FY 2025-26 by 31 August. What actually holds a refund, how to read the portal's status, what the 'processing held' SMS means, and the dates still open: belated returns by 31 December and, for the first time, revisions until 31 March 2027. With a short note on the deadlines taxpayers abroad face in October. Read more Personal Finance 11 Sept 2026 03 iPhone 18 Pro and iPhone Duo: The Full India Price Breakdown, the iPhone 17 Pro Comparison, and Why You Pay More Here Apple skipped the standard iPhone 18 entirely and launched premium-only hardware. Every India price, the year-on-year jump, and the arithmetic behind the gap. Read more Direct Tax 09 Sept 2026 04 New Tax Regime Slabs for FY 2026-27 Under the Income-tax Act, 2025: Rates, Rebate, and the Basic Exemption Limit Explained The seven slabs, the ₹75,000 standard deduction, the rebate that makes income up to ₹12 lakh tax-free, and why the basic exemption limit is still ₹4 lakh. The rate card for tax year 2026-27, with worked examples. Read more Personal Finance 31 Aug 2026 05 Indian Credit Cards, Decoded: Real Lounge Access, Reward Value & Forex Costs (August 2026) A data-backed comparison built from current issuer terms, not a "we swiped 47 cards at the airport" stunt piece. Read more Direct Tax 18 Aug 2026 06 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 more Direct Tax 03 Aug 2026 07 Six Filing Mistakes That Generate Notices The department's systems now cross-check your return against a great deal of data it already holds. Most notices are the result of a mismatch nobody looked for before filing. Read more Personal Finance 27 Jul 2026 08 Your Emergency Fund Is Probably the Wrong Size Three to six months of expenses is the standard answer. It is also a number nobody derived from anything. Here is how to compute yours from actual inputs. Read more Personal Finance 29 May 2026 09 Avalanche, Snowball, and What Actually Gets Debt Paid One method is mathematically optimal. The other has better completion rates. The research on which wins is more interesting than the argument. Read more
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