CA. Akhilesh Kumarcaakhilesh.in
Open Finance GPT
Chartered Accountant · ICAI 2022 · Gurgaon

Indian income tax, GST and investing, with the working shown.

Most tax websites give you a number. This one shows how the number was reached: the section of the Income-tax Act, 2025 it rests on, the official source, and the arithmetic line by line. Compare the old and new tax regime for tax year 2026-27 across 18 free calculators, see what 432 mutual funds left investors after tax, weigh an LLP against a private limited company, and put every due date in your phone. Built by a Chartered Accountant who runs a company's finance function.

Also here Tax Decision Engine Compliance calendar Curated news Tax & Money Lab RSS

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  • 61pieces, numbers on the page
  • 18calculators, nothing stored
  • 0adverts, affiliates or sponsors
  • 2022ICAI-qualified, in industry
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Two decision-intelligence tools, built on evidence.

Investing Intelligence Mutual fund research, comparison and goal planning — on AMFI data with provenance, not a black-box rating.
  • 432funds · 864 scheme codes
  • 1.9 Mdated NAVs since 2015
  • 0proxies, scores or rankings
Returns, rolling consistency, volatility, drawdowns and recovery per fund · compare 2–5 funds · SIP goal and retirement planners with 8 / 10 / 12% scenarios Research, compare, simulate Business Tax Decision Intelligence LLP vs Pvt Ltd vs HUF vs sole proprietor — on your figures, with every rule, rate and cost shown.
  • 4structures, side by side
  • 3 & 5 yrnet benefit and break-even
  • 2025Income-tax Act, tax year 2026-27
Tax, surcharge and cess · presumptive taxation · owner remuneration, dividend and extraction tax · setup and compliance cost · evidence on every figure Compare the structures
Tax & Money DashboardTax year 2026-27 Runs in your browser · nothing stored 21 Oct 2026
  • Next advance tax instalment 15 Dec 15 Dec 2026 · 75% of the year’s tax Plan it →
  • Next GST return 11 Nov GSTR-1 for Oct All due dates →
  • Calculators 18 live Tax 8 · Loans 3 · Financial Planning 2 · Salary 2 · Investing 2 · GST 1 Open all →
  • Writing 61 pieces 26 in the last 30 days · latest 20 Oct 2026 All writing →
Compliance calendarnext 6 dates
  • Tax audit report (Form 3CA/3CB with 3CD) for 2025-26 — extended from 30 SeptTurnover above the section 44AB limits Tax 21 Oct 2026
  • AOC-4: audited financial statements filed with the RoC30 days from the AGM Company 30 Oct 2026
  • TDS and TCS statements for Q2 (Forms 138, 140, 143, 144)Every deductor and collector (earlier 24Q, 26Q, 27Q and 27EQ) Tax 31 Oct 2026
  • TDS / TCS deposit for OctEvery deductor Tax 07 Nov 2026
  • GSTR-1 for OctMonthly filers GST 11 Nov 2026
  • EPF and ESI contributions for OctEmployers Payroll 15 Nov 2026

Monthly TDS, GST and payroll dates, the advance-tax instalments, tax audit, AGM and RoC filings, and the year-end returns. Weekends and notified extensions are not applied.

New regime slabs2026-27
  • 0%to 4L
  • 5%4–8L
  • 10%8–12L
  • 15%12–16L
  • 20%16–20L
  • 25%20–24L
  • 30%24–24L+

Nil to ₹12 lakh after the section 87A rebate; standard deduction ₹75,000 for salary. Compare with the old regime →

CalculatorsOpen all ›
Financial health Financial Planning CTC breakup Salary Investment returns Investing TDS Tax Income tax — advance Tax NRI income tax Tax Income tax Tax Capital gains Tax GST GST Advance tax Tax Corporate tax Tax Gratuity Salary Rent vs buy Financial Planning Loan eligibility Loans HRA exemption Tax IPO allotment Investing Reducing balance EMI Loans Flat rate EMI Loans
Latest piecesAll writing ›
Four numbers
  • 0figures stored — every calculator runs on your device
  • 0adverts, affiliates or sponsors
  • 0sign-ups — nothing to create, nothing to cancel
  • 1accountant, checking each rule against its section
About the author
Free tax & finance calculators

Calculate first. Understand second.

Each tool shows its working, runs in your browser, and can be shared as a link or a PDF. No sign-up, nothing stored.

Income Tax calculator Old and new regime side by side, slab by slab. CTC Breakup calculator From cost-to-company to in-hand, with EPF, ESI and gratuity. TDS calculator The section, the rate and the net, for whatever you are paying. Investment Returns calculator Lump sum, SIP or step-up SIP, and the real annualised return. EMI calculator Monthly instalment and total interest the way banks charge it.

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The method

Four steps. One accountant. No hot takes.

Every piece on this site goes through the same four steps, and the calculators are built to the same rule: the working is on the page so it can be checked.

01Read

Start from the statute, not the summary.

A rule is quoted from the section it lives in, with the section named — old number and new, where the 2025 Act renumbered it.

 02Work

Worked through, not asserted.

If a piece says a figure, the arithmetic is on the page. The calculators show the formula they use rather than hiding it.

 03Check

Four rules, and I'd like to be held to them.

No affiliate links or sponsored posts. Sources named. Numbers checked against the current Finance Act before anything is published.

 04Correct

Fixed where it stands, and noted.

Corrections go into the piece itself and are recorded at its foot, so a later reader sees the right figure and an earlier one sees what changed.
Latest

The newest piece.

Direct Tax
Featured DIRECT TAXOld Regime or New:How to ActuallyDecideFind your break-even deduction D; old regimewins only if real deductions exceed it.CA Akhilesh Kumar· caakhilesh.inTAX PAYABLE · OLD VS NEW REGIMENIL₹8L₹12L₹16L₹20L₹24LOLDNEWILLUSTRATIVE · INCOME →1 numberBreak-evendeduction DYearlySalaried canswitchOnceBusinessincome:near-fixedTAX PAYABLE · OLD VS NEW REGIMENIL₹8L₹12L₹16L₹20L₹24LOLDNEWILLUSTRATIVE · INCOME →Nº 41
Direct Tax 18 Aug 2026 · 8 min read

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 the piece
Recent

The last six pieces.

All 61 articles, by subject
Personal Finance 20 Oct 2026 01 Diwali Week Money Calendar: Market Holidays, Muhurat Trading on 8 November, Bank Holidays Diwali falls on Sunday 8 November 2026. The stock market opens that afternoon for Muhurat trading, 2:20 to 3:30 pm, and shuts on Tuesday 10 November for Balipratipada. Banks close on different days in different cities: Mumbai and Ahmedabad on the 10th, Lucknow and Kanpur on the 9th and 11th, Delhi not at all that week. Every date from NSE, MCX and RBI, a pick-your-city calendar, when your trades settle, and the tax and GST dates that fall in between. Read more Personal Finance 20 Oct 2026 02 Silver vs Gold for Dhanteras: ETF, Coin or Digital Silver, and the Tax on Each Silver has run ahead of gold: up 55.8% in the year to 30 September against 28.6% for gold, by the domestic prices the ETFs track. It has also fallen harder this month, 5.3% since 9 October against 2.1%. On IBJA's rate of 19 October, ₹1 lakh buys about 463 grams of silver or 6.6 grams of gold after GST. Here is what each form costs to get in and out of, coin, articles, ETF or digital, why a 925 diya holds less silver than its weight, and the tax on each when you sell. Read more Markets 19 Oct 2026 03 France Riots: Why the Cost-of-Living Protests Turned Violent, What Was Looted (Louis Vuitton, Rolex, Hermès), and the Impact on Markets, the Euro and India Hundreds of thousands marched across France on 17 October over fuel prices, an austerity budget and crumbling schools. On the sidelines, masked groups burned a town hall and looters emptied Louis Vuitton, Rolex and Hermès stores in Marseille and Bordeaux. Nearly 2,400 people were arrested. On Monday French bond yields rose, the gap over Germany widened to 143 basis points and luxury shares fell, the day before a budget vote the government may lose. Why it happened, what it costs, and what it means for India. Read more Markets 19 Oct 2026 04 Jio IPO Review: Apply or Not? Price Band, Lot Size, Shareholder Quota, Allotment Odds and Tax, Read From the RHP Jio Platforms sells shares at ₹1,065 to ₹1,119. One lot of 12 costs ₹13,428. Buying Reliance shares now does not get you the shareholder quota: eligibility was fixed when the RHP dated 14 October was filed. At the top price Jio is valued at 33.3 times its earnings, below Airtel's 40.7 but well above the 22.4 sector average, and it earns half Airtel's return on equity. Eight points for, eight against, the allotment odds and the tax on a listing gain, every figure from the prospectus. Read more Personal Finance 18 Oct 2026 05 Festive Car Loans and “Zero-Cost EMI”: The Real Interest Rate Behind the Offer, With Worked Examples A ₹60,000 phone on a 6-month No Cost EMI still costs ₹598 to ₹898 more than its price, in GST on the interest and the bank's processing fee. Give up a ₹3,000 discount for paying in full and it becomes a loan at 23% a year. A car loan quoted at 5.5% flat is really 10%. Worked examples, the GST on each charge, late fees, and the RBI rules that protect you. Read more Personal Finance 18 Oct 2026 06 Your Home Loan EMI Is Going Up: What RBI’s Rate Rise Costs on a ₹30, ₹50 and ₹75 Lakh Loan, and Whether to Raise the EMI or the Tenure RBI raised the repo rate to 5.50% on 7 October 2026 and banks passed it on within days: Bank of India’s repo-linked rate is now 8.35% and SBI’s benchmark 8.15%. On a ₹50 lakh home loan with 20 years left, 0.25% adds ₹781 to every EMI. Here is the cost on ₹30, ₹50 and ₹75 lakh, why paying the higher EMI beats stretching the loan, the one prepayment that cancels the rise, and what happens to a car loan. Read more

Latest tax & finance updates

Curated · updated 21 Oct 2026

Links to reporting published elsewhere, selected for relevance. The original reporting belongs to each publisher.

RBI Money Market Operations as on October 20, 2026 — opens RBI in a new tab 21 Oct 2026 RBI Result of the Overnight Variable Rate Repo (VRR) auction held on October 21, 2026 — opens RBI in a new tab 21 Oct 2026 RBI Money Market Operations as on October 19, 2026 — opens RBI in a new tab 21 Oct 2026 Mint — Money Government securities tax rules: How are interest income and capital gains taxed for resident and foreign investors? — opens Mint — Money in a new tab 21 Oct 2026 Mint — Markets Down 25% in 3 months, but market expert Sumeet Bagadia sees recovery, gains in Fortis - Check target price, stop-loss — opens Mint — Markets in a new tab 21 Oct 2026

All curated updates →

Frequently asked

What people ask before they read on — or run a number.

Something else? Write to hello@caakhilesh.in and the accountant who wrote the piece will reply.

Who writes this, and is any of it advice?

CA Akhilesh Kumar, a Chartered Accountant qualified with the ICAI in 2022 and a Senior Finance Manager in industry in Gurgaon; every article, calculator and tool here is his own work. None of it is tax, financial, investment or legal advice, and it takes no account of your circumstances. For your own position, engage a professional who can.

What is on the site besides the writing?

18 calculators for Indian income tax, TDS, GST, salary, loans and investing; the Tax & Money Lab with the Tax Decision Engine, Business Tax Decision Intelligence (LLP vs Pvt Ltd vs HUF), and Investing Intelligence — research on 430-plus mutual funds, side-by-side comparison, and goal and retirement planners; Career Intelligence with sourced salary evidence, a market radar and a job-fraud checker; and a curated news page explained in plain words.

Where does the mutual fund data come from, and does the site recommend funds?

Scheme identity, category, daily NAV and NAV history come from AMFI and carry provenance — source, observation date and collection date on every figure. Expense ratio, AUM, portfolio, manager, riskometer and benchmark series are shown as Insufficient data until the official record is on file; nothing is estimated and no proxy index is substituted. The site does not recommend buying, selling or holding any scheme and never ranks funds: "best" is answered as a research question with the dimensions shown.

Do the calculators and tools store what I type?

No. Every calculator, the decision engines, the fund comparison and the planners run in your browser; the site's security policy allows the page no connection to any other server. A share link carries the figures after the # in the address, which browsers never send; a PDF is built on your device. No PAN, Aadhaar, bank or broker details are asked for anywhere.

How current is the tax content?

Articles name the provision they rest on. The calculators and the Tax Decision Engine follow the Income-tax Act, 2025 where it applies from 1 April 2026 (tax year 2026-27), and the business-structure tool states the assessment or tax year on every rate. The law moves with every Finance Act, so check the date on a piece before relying on it.

Are the returns in the planners forecasts?

No. The goal and retirement planners show 8%, 10% and 12% as illustrative scenarios you can change; inflation is an assumption shown in the input and never applied silently, and every target is also shown in today's purchasing power.

Can I quote a figure or link to a page?

Yes. Every calculator has a ready-made credit line, and articles and tools can be linked freely; a link back is all that is asked. Republishing data tables wholesale is not permitted.

Are there affiliate links, sponsored pieces or adverts?

None. No affiliate links, sponsored posts, referral codes, adverts or paid rankings — on the writing, the calculators or the fund research.

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