SmartTaxCalc — India Income Tax Planner - 2026 Pricing, Features, Reviews & Alternatives

SmartTaxCalc is a free suite of 38 India-focused income-tax and personal-finance

calculators for FY 2026-27 (AY 2027-28), built for individual taxpayers, salaried

employees, and non-resident Indians. It is a self-serve calculation and planning

utility for your own taxes — not tax-practice management or client-workflow software.

Everything runs client-side in the browser (Blazor WebAssembly). The salary, deduction,

and investment figures you type are never transmitted to a server. There is no account,

no signup wall, and no email gate.

Coverage includes:

- Regime planning and compliance: Old vs New Regime comparison, Section 87A rebate,

Tax-Saving Optimizer, Advance Tax, Section 234 interest and penalties

- Salary and CTC: CTC breakup with Rule 3 perquisite valuation, HRA exemption, gratuity,

leave encashment, Section 89(1) arrears relief, salary-offer comparison

- Investments: NPS, PPF, SIP, FD, compound interest, FIRE, goal-based savings,

RSU vesting, crypto gains, net-worth tracking

- Property and loans: home-loan tax benefit (Section 24(b) ₹2L interest ceiling),

EMI, mortgage affordability

- NRI and cross-border: residency / 182-day test, RNOR transition, NRO-to-NRE

repatriation, NRI property TDS, Form 27Q and Schedule FA helpers, FBAR penalty,

and India-US / India-UK / India-Canada DTAA calculators

- GST, currency conversion, and general utilities

Calculations follow the Finance Act, CBDT notifications, and RBI rules. Site content is

reviewed by a practising Chartered Accountant registered with the ICAI, and a public

corrections log records every substantive fix with its commit reference.

Alongside the calculators there are 20 long-form explainer guides covering ITR filing,

Form 16, AIS vs 26AS, capital gains, NRI remittance, and regime selection — including

Hindi and Gujarati versions of the Old vs New Regime guide.