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PHMG & Associates

Resources

Work out the numbers yourself

Calculators that show their working, reference tables for the rates and dates that come up most often, and links to the official sources behind them. No sign-up.

Calculators Reference tablesOfficial sources
Calculators

14 calculators

Each one states the basis it works on and what it does not model, because an estimate you cannot check is no use.

Tax

Income tax, TDS and HRA.

Income Tax Calculator (Old vs New Regime)

Compare tax under the old and new regimes.

Open

HRA Exemption Calculator

Work out how much of your HRA is exempt from tax.

Open

TDS Calculator

Work out the tax to deduct on a payment.

Open

GST

Add or remove GST, and work back from an MRP.

GST Calculator

Add GST to an amount or remove it from one.

Open

GST MRP Calculator

Work back from a retail price to the taxable value.

Open

Loans and interest

EMI, tenure, prepayment and delay interest.

EMI Calculator

Monthly instalment on a loan.

Open

Home Loan Calculator with Prepayment

EMI, total interest, and what a prepayment saves.

Open

Loan Tenure Calculator

How many instalments it takes to clear a loan.

Open

RERA Delay Interest Calculator

Interest on money paid for a delayed possession.

Open

Business and investment

Profit, net worth, effective capital and savings.

SIP Calculator

Projected value of a monthly investment.

Open

NSC Calculator

Maturity value of a National Savings Certificate.

Open

Net Profit Calculator

From revenue down to profit after tax.

Open

Net Worth Calculator

What you own less what you owe.

Open

Effective Capital Calculator

Schedule V effective capital, for managerial remuneration.

Open
Reference tables

Rates, dates and comparisons

The tables we look up most often, each with the official source alongside it.

Income Tax Rates

Slabs under both regimes, with the standard deduction and rebate.

Open

GST Rate Structure

The rate slabs, how the tax splits, and where cess applies.

Open

Section 80TTA and 80TTB Compared

Which deduction applies to interest income, and to whom.

Open

TDS Return and Payment Due Dates

Quarterly return dates, payment dates and certificate dates.

Open

Provident Fund and ESI: Rates and Dates

Contribution structure, due dates and the professional tax position by state.

Open

Recurring Compliance Due Dates

The monthly, quarterly and annual dates in one place.

Open
Official sources

Where the rules actually live

Acts, rules and forms are maintained by the departments that make them. Rather than copy them, we link the source.

Directory of official sources

Direct tax, GST, company law, exchange control, labour, not-for-profit and small business, grouped by subject, with what each source is good for.

Open the directory

What we deliberately do not reproduce

Some data changes too often, or runs to too many records, for a copy on this site to be reliable. A stale rate table is worse than no rate table, so these link straight to the authority that maintains them.

  • IFSC and MICR codes

    Tens of thousands of records that change as branches open, merge and close.

    Reserve Bank of India

  • Gold and silver rates

    Change daily, so any published table is wrong by the time it is read.

    Income Tax Department

  • Full HSN and SAC rate schedules

    Thousands of entries, amended by notification through the year.

    CBIC – GST

  • Stamp duty rates

    Set by each state and amended in state budgets.

    India Code

  • National Industries Classification codes

    A large published classification used mainly during registration.

    Udyam registration portal

  • Cost inflation index

    A long published series where a single wrong figure produces a wrong capital gain.

    Income Tax Department

  • Depreciation rates and useful lives

    Block rates under the Income-tax Act and useful lives under Schedule II both run to long schedules.

    Income Tax Department

  • ROC and LLP filing fees

    Fee slabs depend on nominal capital and on how late a filing is, and are revised by notification.

    Ministry of Corporate Affairs
Who we serve

Whoever you are, we’ve got you covered

Pick the one closest to you and see how a qualified chartered accountant can help. From salaried individuals to growing businesses, we handle tax, compliance and advisory so you can focus on what matters.

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Chartered accountant consulting a client

Startup founder

Register your company, set up GST and keep compliance on track.

Business owner

GST returns, bookkeeping, audit and ROC filings in one place.

Salaried or professional

File your ITR correctly and choose the better tax regime.

Trader or investor

Capital gains and trading income reported the right way.

NRI or overseas Indian

Tax filing and compliance for income and assets in India.

NGO or trust

Registration, exemptions and annual compliance.

Freelancer or consultant

Advance tax, presumptive taxation and clean invoicing for your professional income.

Property owner

Rental income, property sale gains and TDS handled without surprises.

Other calculators and reference tables

Speak to a chartered accountant

Need the exact numbers?

Calculators give estimates. A chartered accountant can work out your actual position and the deductions and reliefs available to you.

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