Guides
Indian tax, salary and savings rules in plain English, with worked examples in ₹.
- Old vs new tax regime FY 2026-27: which one saves you moreOld or new regime for FY 2026-27? See the break-even deductions at ₹10 lakh to ₹30 lakh salary, and when HRA, 80C and home-loan interest tip it.Updated 15 October 2026
- GST rates from 22 September 2025: 5%, 18% and 40% explainedGST moved to 5%, 18% and 40% from 22 September 2025. See where 12% and 28% items went, what got cheaper, and what now falls in the 40% slab.Updated 15 October 2026
- How HRA exemption is calculatedHRA exemption is the least of three amounts. Learn the rule with a worked example, the 8 cities now at 50%, and the documents you need to claim it.Updated 15 October 2026
- EPF contribution breakup: where your 12% goesYour 12% PF is split between EPF and EPS. See the new ₹25,000 wage ceiling from 17 Sep 2026, the ₹2,083 EPS cap and how 8.25% interest works.Updated 15 October 2026
- Gratuity under the new Labour CodesGratuity after 5 years, or 1 year for fixed-term staff, under the Labour Codes. How the 50% wage rule can raise payouts, and the ₹20 lakh limit.Updated 15 October 2026
- PPF vs FD for a safe long-term goalPPF or FD for a safe 15-year goal? Compare post-tax returns, lock-in, liquidity and safety, with a ₹1.5 lakh-a-year example at your tax slab.Updated 15 October 2026
What these guides cover
Each guide explains one rule that changes what you pay, save or take home. It starts with a short answer, then shows the working with real numbers.
Every guide links to the calculator for that rule, so you can try your own figures. Rates and limits come from official sources, and each guide says which financial year it follows.
For education only. Not investment, tax, legal or medical advice. Read the disclaimer.