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HisabKaro — हिसाब करो, भविष्य सँवारो 🇮🇳

Free EMI · GST · Income Tax · SIP · Salary · Family Budget Tracker — Sab kuch ek jagah. Bilkul Free.

✅ 100% Free 📱 Mobile Friendly 🔒 No Login Needed 📊 8 Live Charts ⚡ Instant Results

🏠 EMI Calculator India 2026

Calculate monthly EMI for Home Loan, Car Loan, Personal Loan instantly.
₹5,00,000
Min ₹1,000 — Max ₹1 Crore+
8.5%
5 yrs
Enter months (60 = 5 years, 240 = 20 years)
📊 EMI Calculation Result
Monthly EMI
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Total Payable
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Principal
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Total Interest
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* Disclaimer: Estimated figures. Consult your bank for exact loan terms.
Formula: EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1)  |  P=Principal  r=Monthly Rate  n=Months

Frequently Asked Questions — EMI

What is an EMI and how is it calculated in India?▼
EMI (Equated Monthly Installment) is a fixed monthly payment made to a bank or NBFC. It comprises both principal repayment and interest. The mathematical formula used globally and in India is EMI = [P x R x (1+R)^N] / [(1+R)^N-1], where P is Principal, R is the monthly interest rate, and N is the tenure in months.
What is the current home loan interest rate in India 2026?▼
As of 2026, home loan rates typically range from 8.35% to 9.5% p.a., depending on the RBI Repo Rate. Top banks like SBI, HDFC, and ICICI offer the best rates to individuals with a high CIBIL score (750+), stable income, and a lower loan-to-value (LTV) ratio.
How can I significantly reduce my home loan EMI burden?▼
You can reduce your EMI burden by: (1) Making a larger down payment to reduce the principal, (2) Opting for a longer tenure (though this increases total interest paid), (3) Doing partial prepayments every year to reduce the outstanding principal, or (4) Executing a Home Loan Balance Transfer to a bank offering a lower interest rate.

📊 GST Calculator India 2026

Add or remove GST. Supports all slabs: 3%, 5%, 12%, 18%, 28%.
📊 GST Calculation Result
Base Amount
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GST Amount
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CGST (50%)
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SGST (50%)
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Total Amount
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* Disclaimer: Estimated figures for general calculations.

Frequently Asked Questions — GST

What is GST (Goods and Services Tax) in India?▼
GST is India's unified, multi-stage, destination-based indirect tax system introduced on 1 July 2017. It replaced a complex web of older taxes like Value Added Tax (VAT), service tax, excise duty, and over a dozen other state and central levies to create a "One Nation, One Tax" economy.
What is the difference between CGST, SGST, and IGST?▼
For transactions happening within a single state (Intra-state), the tax is split 50/50 into CGST (Central GST, goes to the Centre) and SGST (State GST, goes to the State). For transactions happening between two different states (Inter-state), a single IGST (Integrated GST) is charged at 100% of the rate, which is collected by the Centre and shared with the destination state.

💰 Income Tax Calculator India 2026-27

Calculate your tax under New or Old Tax Regime. Standard deduction of ₹75,000 applied automatically.
📊 Income Tax Result
Gross Income
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Taxable Income
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Income Tax
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Total Tax Payable
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* Disclaimer: Always consult a certified CA before filing your ITR.

Frequently Asked Questions — Income Tax

New Tax Regime vs Old Tax Regime — which is better in FY 2026-27?▼
For most salaried individuals in India, the New Regime is more beneficial due to lower tax slab rates and the default ₹75,000 standard deduction. The Old Regime is typically only better if your total eligible deductions (like Section 80C investments, HRA, and home loan interest under Section 24b) exceed ₹3.5 to ₹4 lakh annually.
Is income up to ₹7 lakh completely tax-free in India?▼
Yes. Under the New Tax Regime, if your taxable income is up to ₹7 lakh, you get a full rebate under Section 87A, making your tax liability zero. Furthermore, since the New Regime includes a ₹75,000 standard deduction for salaried employees, an individual earning a gross salary of up to ₹7.75 lakh will effectively pay zero income tax.

📈 SIP Calculator — Mutual Fund Returns 2026

Calculate your SIP returns. See how monthly investments grow with the power of compounding.
₹5,000
12%
10 yrs
📊 SIP Returns Estimate
Total Invested
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Returns Earned
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Total Corpus
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Wealth Gain
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* Disclaimer: Mutual funds are subject to market risks. Past returns do not guarantee future performance.

Frequently Asked Questions — SIP

What is a Systematic Investment Plan (SIP) in mutual funds?▼
A SIP (Systematic Investment Plan) allows you to invest a fixed amount of money in mutual funds at regular intervals, usually monthly. It is one of the best wealth-creation tools because it enforces financial discipline and utilizes 'rupee cost averaging'—automatically buying more mutual fund units when the stock market is low, and fewer units when the market is high.
What is the minimum amount required to start a SIP in India?▼
You can start a SIP with an amount as low as ₹100 or ₹500 per month through most major Indian brokerage apps like Groww, Zerodha Coin, or Paytm Money. Many popular top-performing mutual funds, like Parag Parikh Flexi Cap or Mirae Asset, accept initial monthly investments starting at ₹1,000.

💼 Salary Calculator — CTC to In-Hand 2026

Convert your CTC to actual take-home salary with PF, gratuity, and tax deductions.
📊 Salary Breakdown
Annual CTC
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Employee PF (12%)
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Income Tax
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Professional Tax
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Annual In-Hand
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Monthly In-Hand
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* Disclaimer: Your company's HR policy might structure basic pay differently. Check your offer letter.

Frequently Asked Questions — Salary

What is the difference between CTC and In-Hand Salary?▼
CTC (Cost to Company) represents the total gross amount an employer spends on an employee annually, which includes fixed components like basic salary, as well as the employer's contribution to your PF and gratuity. In-Hand (or take-home) salary is the actual net amount deposited into your bank account after mandatory deductions like Employee PF (EPF), Income Tax (TDS), and Professional Tax are removed.
How is Employee Provident Fund (EPF) calculated?▼
EPF requires a 12% contribution of your Basic Salary from you (the employee), and a matching 12% contribution from the employer. The employee's 12% is deducted directly from the gross salary every month. This money is deposited into your EPF account and earns compounding, tax-free interest annually.

💼 Monthly Income Details

Enter all income sources your family earns every month.

🏠 Housing & Accommodation

⚡ Utilities & Monthly Bills

🎓 Children Education Expenses

Click "+ Add Child" to add each child's expenses.

🛒 Food, Grocery & Other Expenses

🏆 Financial Health Score

📋 Monthly Budget Summary

🥧 Expense Breakdown

📊 Category-wise Spending

📋 Detailed Expense Table

CategoryAmount (₹)% of Income% of ExpensesVisual

📈 5-Year Salary vs Expense Projection

🌡️ Inflation Impact on Expenses

💰 Income Allocation (Doughnut)

📊 Fixed vs Variable Expenses

💡 Smart Savings Suggestions

📌 About HisabKaro

Welcome to HisabKaro, India's most trusted suite of free financial calculators and budget trackers. Our mission is to promote financial literacy across the country by providing tools that are completely free, incredibly fast, and strictly private.

Managing finances in India can be complicated—from navigating changing GST slabs to calculating the difference between the New and Old Tax Regimes. We built HisabKaro to simplify these complexities so you can make informed decisions about your money, your loans, and your investments.

  • 100% Free: No paywalls, no hidden fees, and no subscriptions.
  • 100% Private: Your financial data never leaves your device. We do not store your salary or expense details on our servers.
  • Accurate for 2026: Our calculators are updated to reflect the latest RBI Repo Rates and the FY 2026-27 Union Budget tax slabs.

Start tracking your expenses and calculating your EMI today. Hisab Karo, Bhavishya Sanwaro!

🔒 Privacy Policy

At HisabKaro, we value your privacy above all else. This policy outlines how we handle data when you visit hisabkaro.online.

1. Data Processing and Storage: All calculations, including your EMI details, income tax numbers, and family budget tracker inputs, are processed locally on your device using JavaScript. We do NOT collect, transmit, or store your personal financial data on our servers.

2. Cookies & Analytics: We may use standard non-identifying analytics tools (like Google Analytics) to understand how many users visit our site and which tools are the most popular. This helps us improve our website's performance.

3. Third-Party Links: Our website may contain links to external sites. We are not responsible for the privacy practices of those external websites.

By using HisabKaro, you consent to this privacy policy. If you have any questions, feel free to contact us.

⚖️ Terms of Service & Disclaimer

By using the tools provided on HisabKaro.online, you agree to the following terms and conditions:

1. Informational Purposes Only: All calculators (EMI, GST, Income Tax, SIP, Salary) and the Budget Tracker are provided strictly for educational and informational purposes. The results generated are estimates based on standard mathematical formulas and the inputs you provide.

2. Not Financial Advice: The information generated by HisabKaro does not constitute professional financial, tax, or legal advice. We highly recommend consulting a certified Chartered Accountant (CA) or a registered financial advisor before making any major financial decisions or filing your taxes.

3. Accuracy of Information: While we strive to keep our tax slabs, formulas, and GST rates up to date with the Government of India's latest notifications, we make no warranties regarding the absolute accuracy or completeness of the results.

4. Limitation of Liability: HisabKaro and its developers shall not be held liable for any financial losses, damages, or legal implications arising from the use of our calculators.