Income Tax Calculator
Estimate liability under either regime, with slab-by-slab working, surcharge, rebate and cess shown.
Tools & Calculators
EMI Calculator
Monthly instalment, total interest and a full year-by-year amortisation schedule.
Assumptions
A fixed rate for the whole term, monthly compounding on a reducing balance, and no prepayment, processing fee, insurance or other charge. A floating-rate loan will diverge from this as the rate resets.
Indicative only
These calculators produce indicative results based only on the figures you enter and the assumptions stated on each page. They are not professional advice and must not be relied on for filing, planning or any other purpose. Tax law changes frequently. Please speak to us about your specific circumstances.
Questions
About this calculator
Interest is charged on the outstanding balance, which is at its highest at the start. The instalment stays level, so its composition shifts from interest towards principal over the term. The schedule above makes that visible.
Usually a great deal. Reduce the tenure and watch total interest fall. The instalment rises, but total interest often falls sharply because the balance is outstanding for less time.
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Both regimes computed side by side on the same figures, so the difference is explicit.
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Holding period, indexed or actual gain and indicative tax, by asset class.