Income Tax Calculator FY 2025-26 (AY 2026-27)

Future Tax calculators are planning tools built for Indian tax and lending rules. They update instantly when you change salary, loan amount, rent, or GST rate so you can compare scenarios before filing returns or signing loan documents.

These tools do not replace statutory filing, bank sanction letters, or personalised advice from a chartered accountant. Use them to sanity-check invoices, estimate monthly EMI, or compare old vs new income tax regime — then engage us for GSTR-1/3B, ITR upload, or loan documentation.

All four calculators are free: income tax, GST, EMI, and HRA.

For FY 2025-26 (AY 2026-27), resident individuals can often choose between the old regime (with Chapter VI-A deductions) and the new regime (lower slab rates, fewer deductions). Section 87A rebate and marginal relief can reduce tax to zero on moderate incomes in the new regime.

Our calculator applies notified slabs, 4% health and education cess, and compares both regimes side by side. Special incomes, surcharge, and alternate minimum tax are outside the tool — we handle those during personal ITR filing.

Enter a taxable value and rate to see tax-exclusive or tax-inclusive amounts. Intra-state B2B supplies typically split tax into CGST and SGST; interstate supplies use IGST. Reverse charge and composition scheme rates are not modelled in the simple calculator.

For monthly compliance, see GST filing online and GSTR-1 & GSTR-3B support in Coimbatore.

EMI uses the standard reducing-balance formula: each month, interest is charged on the outstanding principal and the remainder of the EMI reduces principal. Prepayment reduces total interest when applied to principal — our tool includes optional prepayment and a full amortisation schedule.

Banks may quote flat-rate or different processing fees; always confirm the sanction letter. For project loans and CMA reports, see project reports & bank loans.

House rent allowance exemption is the least of: actual HRA received, 50% (metro) or 40% (non-metro) of basic salary, or rent paid minus 10% of basic. Coimbatore is treated as non-metro (40%) unless rules change.

Keep rent receipts, landlord PAN when required, and a valid rent agreement. Claim correctly when filing via salaried ITR support.

Move to a CA when AIS/Form 26AS shows extra income, you have capital gains, foreign assets, GST notices, or bank asks for audited financials. Calculators skip advance tax timing, TDS mismatch fixes, and notice replies.

Book a free consultation: contact Future Tax or WhatsApp documents from our Singanallur office.

Future Tax has served businesses since 2014 from 515 Trichy Road, Singanallur. We support manufacturers, traders, hospitals, hotels, and consultants across Tamil Nadu with GST, ITR, audit, and registration under one team.

Office hours Mon–Sat 9:30 AM–6:30 PM. Phone +91 94454 38387.

Read 280+ articles on the tax blog. Track GSTR-1, GSTR-3B, advance tax, and ITR dates on the tax calendar 2026. Popular landing pages: GST filing and ITR filing.

Results are rounded and indicative. Surcharge, special tax rates, penal interest, and lender-specific charges are excluded unless stated. Confirm figures before paying tax, prepaying loans, or signing agreements.