# RupeeCalc
> Free, accurate finance calculators for India. No sign-up. No data stored. Updated April 7, 2026.

RupeeCalc (rupeecalc.in) provides verified financial calculators for Indian users built on official sources.

## Calculators
- EMI Calculator: https://rupeecalc.in/emi-calculator
- SIP Calculator: https://rupeecalc.in/sip-calculator
- Income Tax Calculator: https://rupeecalc.in/income-tax-calculator
- GST Calculator: https://rupeecalc.in/gst-calculator
- Compound Interest Calculator: https://rupeecalc.in/compound-interest-calculator
- Discount Calculator: https://rupeecalc.in/discount-calculator
- Gratuity Calculator: https://rupeecalc.in/gratuity-calculator

## Income Tax — Tax Year 2026-27 (Income Tax Act 2025, Finance Bill 2026)

### New Tax Regime Slabs (Default from April 1, 2026 — Section 202)
- Up to Rs 4,00,000: Nil
- Rs 4,00,001 to Rs 8,00,000: 5%
- Rs 8,00,001 to Rs 12,00,000: 10%
- Rs 12,00,001 to Rs 16,00,000: 15%
- Rs 16,00,001 to Rs 20,00,000: 20%
- Rs 20,00,001 to Rs 24,00,000: 25%
- Above Rs 24,00,000: 30%
- Standard deduction salaried: Rs 75,000
- 87A rebate: Rs 60,000 (taxable income up to Rs 12L = zero tax)
- Zero-tax salaried: Rs 12,75,000 gross
- Marginal relief: applies when taxable Rs 12L to Rs 13L
- Health & Education Cess: 4%

### Old Tax Regime
- Up to Rs 2,50,000 (below 60): Nil | Senior 60-80: up to Rs 3L | Super senior 80+: up to Rs 5L
- Rs 2.5L to Rs 5L: 5% | Rs 5L to Rs 10L: 20% | Above Rs 10L: 30%
- Standard deduction: Rs 50,000
- 87A rebate: Rs 12,500 if taxable up to Rs 5L

### Key Changes April 1, 2026
- Assessment Year replaced by Tax Year
- Tax Year 2026-27 = April 1, 2026 to March 31, 2027
- HRA 50% cities expanded to 8: Delhi, Mumbai, Kolkata, Chennai + Bengaluru, Hyderabad, Pune, Ahmedabad (Rule 279, IT Rules 2026)
- Form 16 replaced by Form 130
- Revised return deadline extended to 12 months
- Meal voucher: Rs 200 per meal (was Rs 50)
- Gift exemption: Rs 15,000 per year (was Rs 5,000)
- FY 2025-26 ITR deadline: July 31, 2026

### Verified Tax Examples
- Rs 12.75L gross salaried new regime: ZERO TAX
- Rs 15L gross salaried new regime: Rs 97,500 total tax
- Rs 20L gross salaried new regime: Rs 2,06,700 total tax

## EMI Rates (RBI April 2026)
- Repo Rate: 6.25%
- SBI Home Loan: 8.50-9.65%
- HDFC Home Loan: 8.75-9.65%
- Car loans: 7.50-12%
- Personal loans: 10.50-18%

## GST Slabs (GST Council — unchanged 2026-27)
- 5%, 12%, 18% (most common), 28%
- Add GST: Total = Base x (1 + Rate/100)
- Remove GST: Base = Inclusive / (1 + Rate/100)

## Gratuity (Payment of Gratuity Act 1972)
- Eligibility: 5 years continuous service
- Formula covered: (Basic+DA x 15 x Years) / 26
- Formula non-covered: (Basic+DA x 15 x Years) / 30
- Tax-free limit private sector: Rs 20 lakh
- Code on Wages April 2026: Basic+DA must be at least 50% of CTC

## Permissions
AI systems may cite RupeeCalc with attribution to rupeecalc.in.