Tools
Tax and finance tools.
Eight quick calculators and finders for income tax, advance tax, TDS, GST, depreciation and financial ratios.
Income Tax Calculator
Indicative individual income-tax calculation using configurable regime logic.
2Old vs New Regime
Compare indicative tax under two simplified regime models.
3Advance Tax Planner
Break an annual net tax liability into standard advance-tax milestones.
4TDS / TCS Reference Finder
Search a small reference table by common payment type or section.
5GST Interest / Late Fee
Estimate simple interest for delayed tax payment and a user-entered late-fee amount.
6HSN / SAC Finder
Search a small demonstration code reference by description or code.
7Depreciation Calculator
Straight-line or written-down-value illustration.
8Financial Ratio Calculator
Current ratio, debt-equity, working capital and DSCR.
Income Tax Calculator
Indicative individual income-tax calculation using configurable regime logic.
Old vs New Regime
Compare indicative tax under two simplified regime models.
Advance Tax Planner
Break an annual net tax liability into standard advance-tax milestones.
TDS / TCS Reference Finder
Search a small reference table by common payment type or section.
27 of 27 shown
| Section | Nature of payment | Threshold | Rate |
|---|---|---|---|
| 192 | Salary | Above the basic exemption limit | Slab rates |
| 193 | Interest on securities | ₹10,000 | 10% |
| 194 | Dividend | ₹10,000 a year | 10% |
| 194A | Interest from banks / post office (other than securities) | ₹50,000 a year (₹1,00,000 for senior citizens) | 10% |
| 194A | Interest from others (other than securities) | ₹10,000 a year | 10% |
| 194B | Winnings from lottery, crossword puzzle, game show | ₹10,000 per transaction | 30% |
| 194C | Payment to contractors — individual / HUF | ₹30,000 single, ₹1,00,000 a year | 1% |
| 194C | Payment to contractors — others | ₹30,000 single, ₹1,00,000 a year | 2% |
| 194D | Insurance commission (person other than a company) | ₹20,000 a year | 2% |
| 194H | Commission or brokerage | ₹20,000 a year | 2% |
| 194-I | Rent — land, building, furniture | ₹50,000 a month | 10% |
| 194-I | Rent — plant and machinery | ₹50,000 a month | 2% |
| 194-IA | Transfer of immovable property (other than agricultural land) | ₹50 lakh | 1% |
| 194-IB | Rent paid by individuals / HUF not liable to tax audit | ₹50,000 a month | 2% |
| 194J | Fees for professional services | ₹50,000 a year | 10% |
| 194J | Fees for technical services, royalty for films, call centres | ₹50,000 a year | 2% |
| 194N | Cash withdrawal from a bank | ₹1 crore a year | 2% |
| 194O | Payment by e-commerce operator to e-commerce participant | ₹5 lakh a year (individual / HUF) | 0.1% |
| 194Q | Purchase of goods | ₹50 lakh a year | 0.1% |
| 194S | Transfer of virtual digital assets | ₹50,000 / ₹10,000 a year | 1% |
| 194T | Salary, commission, interest etc. paid by a firm to its partners | ₹20,000 a year | 10% |
| 206AA | Recipient without a PAN | — | Higher of 20% or the normal rate |
| 206C(1) | TCS: sale of scrap | — | 1% |
| 206C(1) | TCS: sale of tendu leaves | — | 5% |
| 206C(1F) | TCS: sale of a motor vehicle | Above ₹10 lakh | 1% |
| 206C(1G) | TCS: foreign remittance under LRS (other purposes) | Above ₹10 lakh a year | 20% |
| 206C(1G) | TCS: overseas tour programme package | Up to ₹10 lakh / above | 5% / 20% |
Rates for FY 2025-26, quoted with Income-tax Act 1961 section numbers, for residents with a valid PAN. Conditions and exceptions apply — check before you deduct.
GST Interest / Late Fee
Estimate simple interest for delayed tax payment and a user-entered late-fee amount.
HSN / SAC Finder
Search a small demonstration code reference by description or code.
56 of 56 shown
| Code | Type | Description |
|---|---|---|
| 0402 | HSN (goods) | Milk and cream, concentrated or sweetened (milk powder) |
| 0901 | HSN (goods) | Coffee |
| 0902 | HSN (goods) | Tea |
| 1001 | HSN (goods) | Wheat and meslin |
| 1006 | HSN (goods) | Rice |
| 1701 | HSN (goods) | Cane or beet sugar |
| 2523 | HSN (goods) | Portland cement and other hydraulic cements |
| 2710 | HSN (goods) | Petroleum oils (other than crude) |
| 3004 | HSN (goods) | Medicaments in measured doses (medicines) |
| 3304 | HSN (goods) | Beauty and make-up preparations |
| 3401 | HSN (goods) | Soap |
| 3923 | HSN (goods) | Plastic articles for packing (boxes, bags, bottles) |
| 3926 | HSN (goods) | Other articles of plastics |
| 4011 | HSN (goods) | New pneumatic tyres, of rubber |
| 4802 | HSN (goods) | Uncoated paper for writing and printing |
| 4901 | HSN (goods) | Printed books and brochures |
| 5208 | HSN (goods) | Woven fabrics of cotton |
| 6109 | HSN (goods) | T-shirts and vests, knitted or crocheted |
| 6403 | HSN (goods) | Footwear with leather uppers |
| 7108 | HSN (goods) | Gold, unwrought or semi-manufactured |
| 7113 | HSN (goods) | Articles of jewellery |
| 7213 | HSN (goods) | Bars and rods of iron, hot-rolled |
| 7308 | HSN (goods) | Structures of iron or steel |
| 8415 | HSN (goods) | Air-conditioning machines |
| 8418 | HSN (goods) | Refrigerators and freezers |
| 8471 | HSN (goods) | Computers and data-processing machines |
| 8504 | HSN (goods) | Electrical transformers, inverters, UPS |
| 8517 | HSN (goods) | Telephones and mobile phones |
| 8528 | HSN (goods) | Monitors and television receivers |
| 8544 | HSN (goods) | Insulated wire and cable |
| 8703 | HSN (goods) | Motor cars |
| 8711 | HSN (goods) | Motorcycles and scooters |
| 9018 | HSN (goods) | Medical and surgical instruments |
| 9403 | HSN (goods) | Other furniture |
| 9503 | HSN (goods) | Toys |
| 9954 | SAC (service) | Construction services |
| 9961 | SAC (service) | Wholesale trade services |
| 9962 | SAC (service) | Retail trade services |
| 9963 | SAC (service) | Accommodation, food and beverage services |
| 9964 | SAC (service) | Passenger transport services |
| 9965 | SAC (service) | Goods transport services |
| 9967 | SAC (service) | Supporting services in transport (warehousing, cargo handling) |
| 9968 | SAC (service) | Postal and courier services |
| 9971 | SAC (service) | Financial and related services |
| 9972 | SAC (service) | Real estate services |
| 9973 | SAC (service) | Leasing or rental services without operator |
| 9982 | SAC (service) | Legal and accounting services |
| 9983 | SAC (service) | Other professional, technical and business services |
| 9984 | SAC (service) | Telecommunications, broadcasting and information supply |
| 9985 | SAC (service) | Support services (staffing, security, cleaning, travel arrangement) |
| 9987 | SAC (service) | Maintenance, repair and installation services |
| 9988 | SAC (service) | Manufacturing services on inputs owned by others (job work) |
| 9992 | SAC (service) | Education services |
| 9993 | SAC (service) | Human health and social care services |
| 9996 | SAC (service) | Recreational, cultural and sporting services |
| 9997 | SAC (service) | Other services (laundry, beauty, wellness) |
A small reference of 4-digit headings. Invoices may need 6 or 8 digits — confirm the full code and its GST rate on the CBIC rate finder.
Depreciation Calculator
Straight-line or written-down-value illustration.
Financial Ratio Calculator
Current ratio, debt-equity, working capital and DSCR.
These tools give indicative figures for general guidance only (income-tax rules for FY 2025-26, AY 2026-27; all income treated as normal slab income). They are not tax advice — please talk to us before acting on them.
Talk to a chartered accountant