Three decisions that cost Indian professionals real money, worked out properly — with every line of the arithmetic shown, so you can check it rather than trust it.
Enter your income once and see both regimes side by side — then the number that actually settles it: the exact deduction total at which the old regime starts to win.
Stop guessing what sounds reasonable. Work backwards from the income you need, through the hours you can genuinely bill, to the rate that supports it.
The comparison done honestly: stamp duty, maintenance, rising rent, the EMI split between interest and principal, and the year at which buying finally overtakes investing.
There isn't one. There is no sign-up wall, no "enter your email to see the result", and nothing you type is sent anywhere — the arithmetic runs inside your own browser, which you can verify by switching off your internet and watching the numbers still work.
What we ask instead: if a calculator saves you money, read the article behind it. Each one is built on a long-form guide that explains where the numbers come from and where they break down. That is the whole business model — useful things, honestly made, and some of you will eventually want writing or spreadsheet work done.
What these are not. They are decision aids, not filings, forecasts or advice. Tax figures should be confirmed on the Income Tax Department portal and with a chartered accountant. Investment assumptions are assumptions — Indian equity returns are volatile and past performance predicts nothing. Every calculator states its own limits at the bottom, in plain language, including the things it deliberately does not price.
I build financial and reporting models in Excel — amortisation schedules, pricing models, scenario tables and dashboards — formula-driven and documented, so you can change an assumption without breaking the sheet. Also SEO articles, technical explainers and business reports.
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