TDS Calculator

Company law

Effective Capital

Calculate effective capital for Schedule V managerial-remuneration analysis from the standard included and excluded balance-sheet components.

Paid-up share capital

Rs

Securities premium or share premium

Rs

Reserves and surplus excluding revaluation reserve

Rs

Long-term loans and deposits repayable after one year

Rs

Investments to be reduced

Rs

Accumulated losses

Rs

Preliminary expenses not written off

Rs

Positive components

₹1,80,00,000.00

Negative components

₹5,00,000.00

Effective capital

₹1,75,00,000.00

This calculator follows the Schedule V effective-capital structure used for managerial-remuneration analysis. Share application money, revaluation reserve, short-term working capital borrowings, overdrafts, and similar exclusions should not be added to these inputs.

RERA

Developers Calculator

Estimate the gross and net amount withdrawable from the 70% RERA separate account based on project completion and earlier withdrawals.

Total amount realised from allottees to date

Rs

Total estimated project cost

Rs

Total cost incurred to date

Rs

Amount already withdrawn from the separate account

Rs

70% separate-account requirement

₹3,15,00,000.00

Project completion

40%

Gross withdrawable amount

₹1,26,00,000.00

Net withdrawable amount

₹26,00,000.00

Excess withdrawal

₹0.00

This estimate uses the RERA rule that withdrawals from the separate 70% account should be in proportion to the percentage of project completion. Use certified project costs and actual allottee realisations for working figures.

RERA

Home Buyer Delay Interest

Estimate delay interest receivable by an allottee and adjust it against any delayed post-possession payment at the applicable RERA rate.

Agreement possession or completion dateActual possession date or current dateAmount paid till the completion date

Rs

Amount payable by buyer after completion date

Rs

Date on which the above amount was paidSBI highest MCLR

%

Applicable RERA rate

10.8%

Delay days

96

Promoter delay interest

₹99,419.18

Buyer delay interest

₹1,923.29

Net home-buyer delay interest

₹97,495.89

The applicable rate is computed as SBI highest MCLR plus 2%. The default SBI highest MCLR is 8.80%, based on SBI's official MCLR table effective April 15, 2026. Source checked on May 8, 2026: SBI MCLR table. Edit this input if SBI revises the benchmark later.

RERA

Home Buyer Refund

Estimate refund of principal, interest, and refundable stamp duty for a home-buyer exit scenario.

Amount paid towards flat cost

Rs

Date of paymentRefund calculation dateAnnual interest rate for refund

%

Stamp duty amount

Rs

Refundable stamp-duty percentage

%

Refund days

628

Principal refund

₹35,00,000.00

Interest refund

₹6,50,367.12

Stamp-duty refund

₹2,10,000.00

Total refund estimate

₹43,60,367.12

This refund estimate uses simple interest from the payment date to the selected refund date. If the allottee paid in multiple instalments, calculate each payment separately and add the results for a fuller working.

Direct tax

Tax Calculator

Estimate resident individual slab tax for AY 2026-27 on salary or pension income plus other slab-rate income.

Resident age categoryAnnual salary or pension income

Rs

Other slab-rate income

Rs

Allowed deductions in the new regime

Rs

Taxable income

₹11,25,000.00

Income tax before cess

₹0.00

Health and education cess

₹0.00

Total annual tax

₹0.00

Relief under 87A

₹52,500.00

Surcharge

₹0.00

Standard deduction is applied automatically when salary or pension income is entered. Use this calculator only for slab-rate resident individual income for AY 2026-27. Income taxed at special rates, such as capital gains or lottery winnings, should be excluded from these inputs. Source checked on May 8, 2026: Income Tax Department tax rates and computation.

Direct tax

Estimate salary TDS under section 192 from annual slab tax, previous deductions, and the remaining payroll cycle.

Resident age categoryAnnual salary or pension income

Rs

Other slab-rate income

Rs

Eligible deductions or exemptions

Rs

TDS already deducted

Rs

Months remaining in payroll cycle

months

Taxable income

₹11,25,000.00

Annual tax liability

₹0.00

TDS already deducted

₹0.00

Remaining TDS

₹0.00

Suggested monthly TDS

₹0.00

Months used

12

This calculator estimates salary TDS under section 192 by spreading the remaining annual slab tax across the remaining payroll months. It is intended for ordinary slab-rate income, not special-rate income. Source checked on May 8, 2026: Income Tax Department tax rates and computation.

Salary tax

HRA

Calculate exempt and taxable HRA under the old regime based on salary, rent, and metro or non-metro residence.

Annual HRA received

Rs

Annual rent paid

Rs

Annual basic salary

Rs

Dearness allowance forming retirement benefits

Rs

Turnover-based commission

Rs

Exempt HRA

₹2,40,000.00

Taxable HRA

₹0.00

Salary for HRA

₹6,00,000.00

Rent minus 10% of salary

₹2,40,000.00

50% city limit

₹3,00,000.00

HRA exemption is available only under the old regime. The exempt amount is the least of actual HRA received, rent paid minus 10% of salary, or 50% of salary for metro cities and 40% for non-metro cities.

Savings

NSC

Project five-year NSC maturity using the currently notified rate and yearly compounding.

Amount invested

Rs

Current build uses the notified NSC rate of 7.7% with a five-year term and yearly compounding. Source checked on May 8, 2026: DEA Q1 FY 2026-27 small-savings memorandum.

Maturity value

₹1,44,903.38

Total interest

₹44,903.38

Annual interest rate

7.7%

Term

5 years

Year 1

Opening balance ₹1,00,000.00

Interest ₹7,700.00Closing ₹1,07,700.00

Year 2

Opening balance ₹1,07,700.00

Interest ₹8,292.90Closing ₹1,15,992.90

Year 3

Opening balance ₹1,15,992.90

Interest ₹8,931.45Closing ₹1,24,924.35

Year 4

Opening balance ₹1,24,924.35

Interest ₹9,619.18Closing ₹1,34,543.53

Year 5

Opening balance ₹1,34,543.53

Interest ₹10,359.85Closing ₹1,44,903.38

This is a maturity estimate based on the current notified rate and yearly compounding. The DEA memorandum dated March 30, 2026 kept Q1 FY 2026-27 rates unchanged from Q4 FY 2025-26; actual issue-date pricing and later rate changes should still be checked if scheme terms are revised after purchase.

Indirect tax

GST Calculator

Estimate GST on a taxable amount or back-calculate the taxable base from an inclusive figure.

Taxable amount

Rs

GST rate

%

Base amount

₹1,00,000.00

GST amount

₹18,000.00

Total amount

₹1,18,000.00

GST tools perform arithmetic only: exclusive value plus tax, inclusive value back-calculation, and base/tax split. They do not decide HSN/SAC classification, place of supply, exemptions, reverse charge, or eligibility of input tax credit.

Indirect tax

GST Rate Calculator

Find the implied GST rate when you know the taxable amount and GST amount.

Taxable amount

Rs

GST amount

Rs

Implied GST rate

18%

Taxable value

₹1,00,000.00

GST value

₹18,000.00

Indirect tax

GST MRP Calculator

Break a tax-inclusive MRP into base value and GST amount.

MRP including GST

Rs

GST rate

%

Base price

₹1,00,000.00

GST inside MRP

₹18,000.00

MRP

₹1,18,000.00

Loan math

EMI Calculator

Estimate monthly instalments, total payment, and interest for any amortized loan.

Loan principal

Rs

Annual interest rate

%

Tenure

months

Monthly EMI

₹12,398.57

Total repayment

₹14,87,828.27

Interest outgo

₹4,87,828.27

Loan math

Home Loan Calculator

Use home-loan defaults for tenure-heavy financing scenarios.

Home loan amount

Rs

Annual interest rate

%

Tenure

months

Monthly EMI

₹38,342.95

Total repayment

₹92,02,309.04

Interest outgo

₹47,02,309.04

Loan math

Auto Loan Calculator

Use vehicle-loan defaults for shorter financing cycles.

Vehicle loan amount

Rs

Annual interest rate

%

Tenure

months

Monthly EMI

₹18,791.91

Total repayment

₹11,27,514.51

Interest outgo

₹2,27,514.51

Loan math

Installment Counter

Estimate how many months a fixed EMI will take to clear a loan balance.

Outstanding principal

Rs

Annual interest rate

%

Monthly EMI

Rs

Estimated months

40

Estimated years

3.27 years

Rule

EMI must be greater than monthly interest

Business math

Net Profit Calculator

Measure operating surplus and margin from revenue and expense totals.

Revenue

Rs

Expenses

Rs

Net profit

₹5,60,000.00

Net margin

31.11%

Revenue base

₹18,00,000.00

Business math

Net Worth Calculator

Compare total assets and liabilities to estimate net worth.

Total assets

Rs

Total liabilities

Rs

Net worth

₹15,00,000.00

Liability ratio

37.5%

Asset base

₹24,00,000.00

TDS Calculator

Working calculators built directly into the Hari Consultancy site.

Effective Capital

Developers Calculator

Home Buyer Delay Interest

Home Buyer Refund

Tax Calculator

TDS Calculator

HRA

NSC

GST Calculator

GST Rate Calculator

GST MRP Calculator

EMI Calculator

Home Loan Calculator

Auto Loan Calculator

Installment Counter

Net Profit Calculator

Net Worth Calculator

TDS Calculator

Working calculators built directly into the Hari Consultancy site.

Effective Capital

Developers Calculator

Home Buyer Delay Interest

Home Buyer Refund

Tax Calculator

TDS Calculator

HRA

NSC

GST Calculator

GST Rate Calculator

GST MRP Calculator

EMI Calculator

Home Loan Calculator

Auto Loan Calculator

Installment Counter

Net Profit Calculator

Net Worth Calculator