https://calcsolver.in/blog Plain-English guides on income tax, GST, EPF, PPF and money maths for India. en-in https://calcsolver.in/blog/ctc-vs-in-hand-salary https://calcsolver.in/blog/ctc-vs-in-hand-salary Wed, 11 Nov 2026 18:30:00 GMT Salary and tax See how CTC turns into in-hand salary after PF, professional tax and income tax, with worked figures for ₹6, ₹12, ₹15 and ₹25 lakh CTC. Free calculator. https://calcsolver.in/blog/da-hike-63-percent-july-2026 https://calcsolver.in/blog/da-hike-63-percent-july-2026 Wed, 11 Nov 2026 18:30:00 GMT Government pay The Cabinet raised DA and DR from 60% to 63% from 1 July 2026. See the new DA on basic pay from ₹18,000 to ₹1,44,200 and what arrears you could be owed. https://calcsolver.in/blog/section-80c-explained https://calcsolver.in/blog/section-80c-explained Wed, 07 Oct 2026 18:30:00 GMT Income tax Section 80C lets you cut taxable income by up to ₹1.5 lakh. See every eligible investment and expense, the tax you save, and how the 2025 Act renames it. https://calcsolver.in/blog/home-loan-prepayment-vs-investing https://calcsolver.in/blog/home-loan-prepayment-vs-investing Wed, 07 Oct 2026 18:30:00 GMT Loans Should you prepay your home loan or invest the extra money? See the break-even return on a ₹50 lakh loan, with the full math and the risks on each side. https://calcsolver.in/blog/sip-vs-fd-vs-ppf https://calcsolver.in/blog/sip-vs-fd-vs-ppf Wed, 07 Oct 2026 18:30:00 GMT Investing basics Compare ₹10,000 a month in a SIP, a fixed deposit and PPF over 15 years, with tax and risk. See the numbers and which one suits which goal. With examples. https://calcsolver.in/blog/how-to-calculate-emi https://calcsolver.in/blog/how-to-calculate-emi Wed, 07 Oct 2026 18:30:00 GMT Loans Learn how to calculate EMI by hand with the formula and a ₹25 lakh example, see how EMI splits into interest and principal, and why flat rates cost more. https://calcsolver.in/blog/emergency-fund-how-much-do-you-need https://calcsolver.in/blog/emergency-fund-how-much-do-you-need Wed, 07 Oct 2026 18:30:00 GMT Money basics An emergency fund should cover 3 to 12 months of essential expenses. Use the simple formula and a table for monthly costs of ₹30,000 to ₹1.2 lakh. Free. https://calcsolver.in/blog/new-vs-old-tax-regime-fy-2025-26 https://calcsolver.in/blog/new-vs-old-tax-regime-fy-2025-26 Wed, 07 Oct 2026 18:30:00 GMT Income tax Compare the new and old tax regimes for FY 2025-26 (AY 2026-27), see how much less tax you pay than in FY 2024-25 and when the old regime wins. Free guide. https://calcsolver.in/blog/how-much-sip-for-1-crore-in-10-years https://calcsolver.in/blog/how-much-sip-for-1-crore-in-10-years Wed, 07 Oct 2026 18:30:00 GMT Investing basics See the monthly SIP needed to reach ₹1 crore in 10 years at 8%, 10%, 12% and 15% returns, with a step-up option and what ₹1 crore will really be worth. https://calcsolver.in/blog/how-to-improve-cibil-score https://calcsolver.in/blog/how-to-improve-cibil-score Wed, 07 Oct 2026 18:30:00 GMT Credit Learn how to improve your CIBIL score with 9 practical steps, from paying on time to cutting card use. See how a better score can cut your home loan EMI. https://calcsolver.in/blog/gratuity-calculation-formula https://calcsolver.in/blog/gratuity-calculation-formula Wed, 07 Oct 2026 18:30:00 GMT Salary and retirement Learn the gratuity formula (15 ÷ 26 × wages × years), who is eligible, how part years count and what is tax-free, with a table of examples. With examples. https://calcsolver.in/blog/gst-on-restaurant-bill https://calcsolver.in/blog/gst-on-restaurant-bill Wed, 07 Oct 2026 18:30:00 GMT GST See the GST on restaurant bills after GST 2.0: 5% for most restaurants, 18% in some hotels. Learn how to read your bill and work out the tax in rupees. https://calcsolver.in/blog/epf-interest-rate-8-25-percent https://calcsolver.in/blog/epf-interest-rate-8-25-percent Wed, 07 Oct 2026 18:30:00 GMT EPF and retirement EPFO has notified an EPF interest rate of 8.25% for FY 2025-26. See the rate history since 2020-21, how interest is calculated and what a 1% change does. https://calcsolver.in/blog/nps-vs-mutual-funds https://calcsolver.in/blog/nps-vs-mutual-funds Wed, 07 Oct 2026 18:30:00 GMT EPF and retirement Compare NPS and mutual funds on returns, tax, lock-in and withdrawal after the 2025 PFRDA changes. See which is settled fact and which you must check. https://calcsolver.in/blog/ppf-vs-epf https://calcsolver.in/blog/ppf-vs-epf Wed, 07 Oct 2026 18:30:00 GMT EPF and retirement Compare PPF and EPF on interest rate, who can invest, limits, tax and withdrawal, and see how ₹3,600 a month grows in each over 15 years. With examples. https://calcsolver.in/blog/50-30-20-rule-india https://calcsolver.in/blog/50-30-20-rule-india Wed, 07 Oct 2026 18:30:00 GMT Money basics Learn the 50-30-20 budgeting rule with Indian examples for take-home pay from ₹30,000 to ₹2 lakh, and how to adjust it when rent and EMIs are high. Free. https://calcsolver.in/blog/fd-vs-rd https://calcsolver.in/blog/fd-vs-rd Wed, 07 Oct 2026 18:30:00 GMT Savings basics FD or RD? Compare fixed and recurring deposits on returns, tax, TDS and safety, with a worked example of the same ₹3 lakh at 6.5% over 5 years. Free guide. https://calcsolver.in/blog/rule-of-72 https://calcsolver.in/blog/rule-of-72 Fri, 02 Oct 2026 18:30:00 GMT Investing basics The Rule of 72 tells you how many years money takes to double: divide 72 by the yearly return. See how accurate it is, with a table and worked examples. https://calcsolver.in/blog/old-vs-new-tax-regime-fy-2026-27 https://calcsolver.in/blog/old-vs-new-tax-regime-fy-2026-27 Fri, 02 Oct 2026 18:30:00 GMT Income tax Compare tax under the old and new regimes for FY 2026-27 at ₹8 lakh to ₹30 lakh salaries, and see how many deductions you need for the old regime to win. https://calcsolver.in/blog/epf-wage-ceiling-raised-to-25000 https://calcsolver.in/blog/epf-wage-ceiling-raised-to-25000 Fri, 02 Oct 2026 18:30:00 GMT EPF and retirement The EPF wage ceiling rose from ₹15,000 to ₹25,000 on 17 September 2026. See who is newly covered and how your PF and pension share change. With examples. https://calcsolver.in/blog/gst-slab-rates-explained https://calcsolver.in/blog/gst-slab-rates-explained Fri, 02 Oct 2026 18:30:00 GMT GST India now has four GST rates: 0%, 5%, 18% and 40%. See what changed on 22 September 2025, which items moved, and how to work out GST on a bill. Free guide.