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Plan tax, salary, loans, savings and retirement with clean India-focused calculators. Pick a goal, enter your numbers, and compare scenarios before you commit.
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Calculate gratuity amount based on last drawn salary and years of service.
Use calculator PPFSavingsPublic Provident Fund maturity and returns (current rate 7.1%).
Use calculator EPFRetirementEmployee Provident Fund with employer contribution and maturity.
Use calculator EMILoansHome loan, car loan and personal loan EMI with interest breakup.
Use calculator SIPInvestingMonthly SIP maturity, return estimate and investment value.
Use calculator FDSavingsFixed deposit maturity and interest.
Use calculator NPSRetirementNational Pension Scheme retirement corpus.
Use calculator TAXTaxOld vs new tax regime comparison with slabs, rebate and cess.
Use calculator HRATaxHouse Rent Allowance exemption under Section 10(13A).
Use calculator AGEUtilityExact age in years, months and days from date of birth.
Use calculator GSTTaxGST amount with CGST/SGST/IGST breakup.
Use calculator %UtilityFind percentage of a number, what percent X is of Y, increase/decrease.
Use calculator BMIHealthBody Mass Index with India-specific Asian BMI cutoffs.
Use calculator NETSalaryEstimate in-hand monthly salary after PF, tax and deductions.
Use calculator SDPropertyProperty stamp duty and registration fee estimate by rate.
Use calculator SIP+InvestingSIP with annual step-up in monthly investment.
Use calculator LOANLoansMaximum home loan from income and FOIR.
Use calculator TDSTaxEstimate TDS on salary for FY 2026-27.
Use calculator RDSavingsRecurring deposit maturity and interest.
Use calculator 80CTaxPlan 80C investments within ₹1.5 lakh limit.
Use calculator HIKESalaryNew salary after percentage hike.
Use calculatorThese posts explain the assumptions behind each calculator, so users can understand the formula before relying on the result.
Understand the Rs 75,000 standard deduction in the new tax regime for salaried employees and pensioners, how it affects taxable income, zero-tax salary logic, and calculator inputs.
Clear guide for salaried employees on HRA exemption in the new tax regime, when old regime may still save tax, documents needed, and how to compare both regimes with calculators.
Step-by-step guide for the New Regime calculator. Learn which salary fields to enter, how deductions differ from old regime, and how to read taxable income results correctly.
Step-by-step Section 10(13A) HRA calculator guide for India. Learn how to use Basic + DA + rent, old regime rules, metro/non-metro limits, and documentation required for claim.
Compare metro vs non-metro HRA exemption in old regime with practical salary and rent examples. Understand 50% vs 40% cap and when it changes your taxable HRA.
Understand the frequently searched 4 years 240 days gratuity rule in India. Learn when it may apply, how to estimate with years and months, and what to verify before resignation.
Most users start with one number need: monthly cash flow, tax outgo, or retirement corpus. Use these goal clusters to pick the next action quickly.
Compare EMI burden, prepayment impact, and safer parking alternatives for near-term goals.
EMI · FD · Prepayment guide
Estimate old vs new regime, validate HRA exemption, and map NPS impact before payroll declarations.
Build corpus scenarios across EPF, PPF, NPS, and SIP instead of depending on a single product.
Go deeper with step-by-step workflow guides for specific scenarios, then return to the calculator when you are ready.
Each calculator on RealBill is designed for quick scenario planning — enter your numbers and get instant results. They work entirely in your browser with no data sent to any server. For best results, run multiple scenarios with different assumptions (conservative, moderate, optimistic) rather than relying on a single projection. All calculators use standard Indian financial formulas and are updated for the current financial year.
For tax planning: Start with the Income Tax Calculator to compare old vs new regime, then use HRA and Gratuity for specific deductions. For investment planning: Compare SIP, PPF, and FD returns side by side for the same amount and tenure. For loans: Use the EMI Calculator before signing a loan agreement to understand your monthly commitment and total interest cost.