8 professional CA-grade tools — free, updated for FY 2025-26
New Regime: ₹75,000 standard deduction auto-applied for salaried. Zero tax up to ₹12.75L income (87A rebate).
| Income | Rate |
|---|---|
| Up to ₹4L | 0% |
| ₹4L – ₹8L | 5% |
| ₹8L – ₹12L | 10% |
| ₹12L – ₹16L | 15% |
| ₹16L – ₹20L | 20% |
| ₹20L – ₹24L | 25% |
| Above ₹24L | 30% |
| Income | Rate |
|---|---|
| Up to ₹2.5L | 0% |
| ₹2.5L – ₹5L | 5% |
| ₹5L – ₹10L | 20% |
| Above ₹10L | 30% |
Exclusive: GST added on top of base. Inclusive: GST extracted from total MRP. Intra-state splits into CGST+SGST equally.
SIP returns are indicative. Mutual fund investments are subject to market risk. Historical equity returns in India have been 12–15% CAGR over long periods.
HRA exemption = Minimum of: (1) Actual HRA received, (2) 50% of Basic+DA (metro) / 40% (non-metro), (3) Rent paid minus 10% of Basic+DA. Only available under Old Regime.
Threshold limits and rates as per Income Tax Act. Surcharge and cess may apply on salary TDS for higher incomes.
Advance tax is required when estimated tax liability exceeds ₹10,000. Pay in 4 instalments. Seniors (60+) with no business income are exempt.
Shows the compounded impact of revenue growth AND cost reduction on your net profit. Even a 5% cost reduction alongside 20% revenue growth can double profits.
Our CA team provides personalised tax optimisation, advance tax planning, and compliance management.
Book Free Consultation