# Kosh > Kosh is an AI CFO (personal finance assistant) for people in India, made by Primedepth Labs. It reads Indian bank, credit card and investment statements, maps a person's money, works out income tax under both regimes, finds spending leaks, plans goals and sends reminders before due dates. It also publishes 149 free financial calculators for India, updated for FY 2026-27. - Website: https://trykosh.com - Made by: Primedepth Labs, a partnership firm registered in India, Floor 4, R1 of D180-C, Industrial Area, Phase 8B, Sector 74, Mohali, SAS Nagar, Punjab 160055, India. GSTIN 03ABGFP4193E1ZD. - Contact: contact@trykosh.com - Pricing: Starter free (1 statement a month, your money summary and top recommendation); Pro ₹2,000/month or ₹19,999/year, with a free 7-day trial. - Not investment advice: Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting. - Free tools rules last checked: 25 October 2026. Tax year FY 2026-27 (1 April 2026 to 31 March 2027) under the Income-tax Act, 2025. ## Product - [Home](https://trykosh.com): what Kosh does, how it works, pricing and FAQs - [About](https://trykosh.com/about): mission, how Kosh is built and the company behind it - [Create a free account](https://trykosh.com/signup): upload a statement and get your money mapped - [Contact](https://trykosh.com/contact): support, billing, privacy and grievance officer ## Free tools - [All free tools](https://trykosh.com/tools): 149 calculators for income tax, salary, investing, government schemes, capital gains, loans, budgeting and small business in India - [Full text of every tool](https://trykosh.com/llms-full.txt): explanations, worked examples and FAQs in one file ### Income tax - [Income tax calculator](https://trykosh.com/tools/income-tax-calculator): Work out your income tax for FY 2026-27 under both regimes in one go. Kosh applies the current slabs, the ₹75,000 standard deduction, the 87A rebate, surcharge with marginal relief and 4% cess. - [Old vs new regime calculator](https://trykosh.com/tools/old-vs-new-tax-regime-calculator): Find out which regime leaves you more money this year, and exactly how many more rupees of deductions the old regime would need to catch up. - [New tax regime calculator](https://trykosh.com/tools/new-tax-regime-calculator): See your tax under the default new regime, slab by slab, including the rebate that makes income up to ₹12 lakh tax-free and the marginal relief just above it. - [Old tax regime calculator](https://trykosh.com/tools/old-tax-regime-calculator): Claim every deduction the old regime allows and see your tax slab by slab, side by side with what the new regime would charge for the same income. - [Senior citizen tax calculator](https://trykosh.com/tools/income-tax-calculator-for-senior-citizens): Built for pensioners and people living on interest: see your tax at 60+ or 80+ under both regimes, with 80TTB and the higher 80D limits applied. - [HRA exemption calculator](https://trykosh.com/tools/hra-exemption-calculator): Work out how much of your house rent allowance is tax-free, which of the three limits applies to you, and how much stays taxable. - [80C calculator](https://trykosh.com/tools/section-80c-calculator): Add up what already counts toward 80C, see how much of the ₹1.5 lakh limit is left, and what filling it would save at your slab. - [80D calculator](https://trykosh.com/tools/section-80d-calculator): Health insurance premiums for you and your parents can cut your old-regime tax by up to ₹1 lakh. See your exact deduction and what it's worth. - [In-hand salary calculator](https://trykosh.com/tools/in-hand-salary-calculator): Turn a CTC offer into what actually lands in your bank account each month, after PF, gratuity, professional tax and income tax. - [Salary breakup calculator](https://trykosh.com/tools/salary-breakup-calculator): See how a typical Indian employer would split your CTC into basic, HRA, special allowance, PF and gratuity, month by month. - [Advance tax calculator](https://trykosh.com/tools/advance-tax-calculator): Split this year's tax into the four advance-tax instalments, net of TDS, so you pay on time and avoid interest. - [TDS on salary calculator](https://trykosh.com/tools/tds-on-salary-calculator): Estimate the income tax your employer will deduct from each month's salary, and why it jumps or drops partway through the year. - [87A rebate calculator](https://trykosh.com/tools/section-87a-rebate-calculator): See whether the 87A rebate wipes out your tax, and if you're just over ₹12 lakh, how much marginal relief you get. - [Surcharge calculator](https://trykosh.com/tools/surcharge-calculator): For incomes above ₹50 lakh: see your surcharge band, how much marginal relief saves you at the threshold, and your total tax with cess. - [Tax on bonus calculator](https://trykosh.com/tools/tax-on-bonus-calculator): Find out how much of a bonus survives tax, and watch out for the ₹12 lakh line, where a modest bonus can lose nearly half to tax. - [Salary hike calculator](https://trykosh.com/tools/salary-hike-calculator): A 15% hike rarely means 15% more in your account. See the raise after tax, per month. - [NPS tax benefit calculator](https://trykosh.com/tools/nps-tax-benefit-calculator): NPS is one of the few tax breaks left in the new regime. See what your employer's contribution and your own ₹50,000 save under each regime. - [Home loan tax benefit calculator](https://trykosh.com/tools/home-loan-tax-benefit-calculator): See how much your home loan cuts your tax this year, whether the house is self-occupied or rented out, and in which regime. - [ESOP tax calculator](https://trykosh.com/tools/esop-tax-calculator): ESOPs are taxed twice: once when you exercise, as salary, and again when you sell, as capital gains. See both. - [Leave encashment calculator](https://trykosh.com/tools/leave-encashment-calculator): When you retire or resign, cash for unused leave can be tax-free up to ₹25 lakh. See how much of yours is exempt. - [234A, 234B, 234C interest calculator](https://trykosh.com/tools/income-tax-interest-calculator): Paid advance tax late or not at all? Estimate the interest you owe under 234A, 234B and 234C before you file. - [Lottery and winnings tax calculator](https://trykosh.com/tools/lottery-tax-calculator): Won a lottery, a contest or a game show? Winnings are taxed at a flat 30% plus cess. See what you actually keep. - [Tax on ₹10 lakh salary](https://trykosh.com/tools/income-tax-on-10-lakh-salary): On a ₹10 lakh salary you pay no income tax in the new regime. The calculator is preset to ₹10 lakh with typical old-regime deductions so you can compare. - [Tax on ₹12 lakh salary](https://trykosh.com/tools/income-tax-on-12-lakh-salary): Yes: a ₹12 lakh salary pays no tax in the new regime, and so does anything up to ₹12.75 lakh. Here's the maths, and what happens just above. - [Tax on ₹15 lakh salary](https://trykosh.com/tools/income-tax-on-15-lakh-salary): A ₹15 lakh salary pays ₹97,500 in the new regime, about ₹8,125 a month. The old regime needs big deductions to beat it. - [Tax on ₹20 lakh salary](https://trykosh.com/tools/income-tax-on-20-lakh-salary): A ₹20 lakh salary pays ₹1,92,400 in the new regime. On a 20 LPA CTC, that's about ₹1.29 lakh a month in hand. - [Tax on ₹25 lakh salary](https://trykosh.com/tools/income-tax-on-25-lakh-salary): A ₹25 lakh salary pays ₹3,19,800 in the new regime. On a 25 LPA CTC, expect about ₹1.56 lakh a month in hand. - [Tax on ₹30 lakh salary](https://trykosh.com/tools/income-tax-on-30-lakh-salary): A ₹30 lakh salary pays ₹4,75,800 in the new regime. This is the salary range where the old regime starts to win for people paying high rent. - [Tax on ₹50 lakh salary](https://trykosh.com/tools/income-tax-on-50-lakh-salary): A ₹50 lakh salary pays ₹10,99,800 in the new regime and stays just under the surcharge line. Go above it and a 10% surcharge kicks in. - [Rent receipt generator](https://trykosh.com/tools/rent-receipt-generator): Make monthly rent receipts for your HRA claim in a minute. Fill in the tenancy once, pick the months, and print one receipt per month, ready for your landlord to sign. ### Salary and retirement - [Gratuity calculator](https://trykosh.com/tools/gratuity-calculator): Gratuity is a lump sum your employer pays when you leave after long service. Enter your last basic + DA and years of service to see the amount, how the new Labour Codes change it, and how much is tax-free. - [Retirement calculator](https://trykosh.com/tools/retirement-calculator): Find out how big a retirement corpus your lifestyle needs and what you must invest each month to get there. The calculator inflates today's expenses, funds them for every year of retirement, and credits the savings you already have. - [FIRE calculator](https://trykosh.com/tools/fire-calculator): FIRE stands for financial independence, retire early: having enough invested that work becomes optional. Enter your expenses and how much you invest to see your FIRE number and the age you could reach it. - [Annuity calculator](https://trykosh.com/tools/annuity-calculator): An annuity turns a lump sum into a pension paid for life. Enter the amount and the annuity rate an insurer quotes to see your monthly pension, the tax on it, and what it will be worth in real terms as prices rise. - [8th Pay Commission salary calculator](https://trykosh.com/tools/pay-commission-salary-calculator): Estimate what your central government pay could look like under the 8th Pay Commission. Enter your current basic and try any fitment factor; the calculator resets DA and shows the real rise in gross pay. This is an estimate: as of October 2026 nothing about the new pay has been announced. - [3 LPA in-hand salary](https://trykosh.com/tools/3-lpa-in-hand-salary): On a 3 LPA CTC you take home about ₹21,190 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [4 LPA in-hand salary](https://trykosh.com/tools/4-lpa-in-hand-salary): On a 4 LPA CTC you take home about ₹28,323 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [5 LPA in-hand salary](https://trykosh.com/tools/5-lpa-in-hand-salary): On a 5 LPA CTC you take home about ₹35,456 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [6 LPA in-hand salary](https://trykosh.com/tools/6-lpa-in-hand-salary): On a 6 LPA CTC you take home about ₹42,589 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [7 LPA in-hand salary](https://trykosh.com/tools/7-lpa-in-hand-salary): On a 7 LPA CTC you take home about ₹49,722 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [8 LPA in-hand salary](https://trykosh.com/tools/8-lpa-in-hand-salary): On an 8 LPA CTC you take home about ₹56,855 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [9 LPA in-hand salary](https://trykosh.com/tools/9-lpa-in-hand-salary): On a 9 LPA CTC you take home about ₹63,988 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [10 LPA in-hand salary](https://trykosh.com/tools/10-lpa-in-hand-salary): On a 10 LPA CTC you take home about ₹71,121 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [12 LPA in-hand salary](https://trykosh.com/tools/12-lpa-in-hand-salary): On a 12 LPA CTC you take home about ₹85,387 a month in FY 2026-27, with no income tax in the new regime. Change the basic share, PF, variable pay or regime below to match your offer letter. - [14 LPA in-hand salary](https://trykosh.com/tools/14-lpa-in-hand-salary): On a 14 LPA CTC you take home about ₹99,017 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [15 LPA in-hand salary](https://trykosh.com/tools/15-lpa-in-hand-salary): On a 15 LPA CTC you take home about ₹1,00,299 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [16 LPA in-hand salary](https://trykosh.com/tools/16-lpa-in-hand-salary): On a 16 LPA CTC you take home about ₹1,06,242 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [18 LPA in-hand salary](https://trykosh.com/tools/18-lpa-in-hand-salary): On an 18 LPA CTC you take home about ₹1,18,126 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [20 LPA in-hand salary](https://trykosh.com/tools/20-lpa-in-hand-salary): On a 20 LPA CTC you take home about ₹1,29,330 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [25 LPA in-hand salary](https://trykosh.com/tools/25-lpa-in-hand-salary): On a 25 LPA CTC you take home about ₹1,56,126 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [30 LPA in-hand salary](https://trykosh.com/tools/30-lpa-in-hand-salary): On a 30 LPA CTC you take home about ₹1,80,685 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [40 LPA in-hand salary](https://trykosh.com/tools/40-lpa-in-hand-salary): On a 40 LPA CTC you take home about ₹2,28,200 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. - [50 LPA in-hand salary](https://trykosh.com/tools/50-lpa-in-hand-salary): On a 50 LPA CTC you take home about ₹2,75,714 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. ### Investing - [SIP calculator](https://trykosh.com/tools/sip-calculator): See what a monthly SIP could grow to. Enter how much you invest each month, an assumed yearly return and how long you'll stay invested. - [Step-up SIP calculator](https://trykosh.com/tools/step-up-sip-calculator): Raise your SIP a little every year and watch the gap with a flat SIP grow. Enter a starting amount, the yearly increase, an assumed return and the period. - [Lumpsum calculator](https://trykosh.com/tools/lumpsum-calculator): Work out what a one-time investment could grow to. Enter the amount, an assumed yearly return and how long you'll hold it. - [SWP calculator](https://trykosh.com/tools/swp-calculator): Plan a monthly income from your investments. Enter the corpus, the withdrawal, an assumed return and how long you want it to last. - [STP calculator](https://trykosh.com/tools/stp-calculator): Spread a lump sum into equity over several months instead of all at once. Enter the amount, the transfer period and an assumed return for each fund. - [SIP vs lumpsum calculator](https://trykosh.com/tools/sip-vs-lumpsum-calculator): Compare spreading money through a SIP with investing the same total at once. Both are grown at the same assumed return so the difference is purely about timing. - [SIP goal calculator](https://trykosh.com/tools/sip-goal-calculator): Work backwards from a goal to the monthly SIP that gets you there. Inflate the goal to future prices and count what you've already saved. - [Cost of delay calculator](https://trykosh.com/tools/sip-delay-cost-calculator): Find out what waiting to start a SIP really costs. Enter the SIP, the date you need the money and how long you plan to wait. - [CAGR calculator](https://trykosh.com/tools/cagr-calculator): Turn a start value and an end value into one yearly growth rate. Works for investments, property, a business's revenue or anything that grows. - [XIRR calculator](https://trykosh.com/tools/xirr-calculator): Find the real yearly return on a SIP you've been running. Enter the monthly amount, when it started, and today's value from your statement. - [Mutual fund returns calculator](https://trykosh.com/tools/mutual-fund-returns-calculator): Estimate what a mutual fund investment could be worth, and what you'd keep after tax if you redeemed it. Works for a SIP or a lump sum, in an equity or debt fund. - [ELSS calculator](https://trykosh.com/tools/elss-calculator): Work out what an ELSS investment could save you in tax and grow to. It tracks the 3-year lock-in on every instalment and the tax when you sell. - [SIP vs FD calculator](https://trykosh.com/tools/sip-vs-fd-calculator): Compare an equity fund with a fixed deposit on what you actually keep after tax. Choose monthly investing or a lump sum, your slab, and a rate for each. - [FD calculator](https://trykosh.com/tools/fd-calculator): Work out the interest and maturity value of a bank fixed deposit. Choose a cumulative FD or a monthly or quarterly payout, and add the senior citizen rate if it applies. - [RD calculator](https://trykosh.com/tools/rd-calculator): See what a bank recurring deposit pays at maturity. Enter your monthly instalment, the bank's RD rate and the tenure in months. - [Compound interest calculator](https://trykosh.com/tools/compound-interest-calculator): Work out compound interest on any amount, compounded yearly, half-yearly, quarterly, monthly or daily, and see how much of it is interest on interest. - [Simple interest calculator](https://trykosh.com/tools/simple-interest-calculator): Calculate simple interest for any period, in years, months or days, and see the total you'll repay or receive. - [Inflation calculator](https://trykosh.com/tools/inflation-calculator): See how inflation changes the value of money, forwards or backwards. Find what something will cost in future, or what an old amount is worth today. - [Rule of 72 calculator](https://trykosh.com/tools/rule-of-72-calculator): Divide 72 by the yearly return and you get roughly how many years it takes money to double. Check the shortcut against the exact answer here. - [Present value calculator](https://trykosh.com/tools/present-value-calculator): Find what money you'll receive in future is worth today. Discount one future amount, or a series of monthly payments, at a rate you choose. - [Real return calculator](https://trykosh.com/tools/real-return-calculator): See what your investment really earns once inflation, and tax if it's charged yearly, are taken out. - [Crorepati calculator](https://trykosh.com/tools/crorepati-calculator): Find the monthly SIP that could take you to ₹1 crore by the age you choose, and what that crore will really be worth by then. - [Stock average calculator](https://trykosh.com/tools/stock-average-calculator): Find your average buy price across several purchases of the same share, your break-even after charges and where you stand at today's price. - [Rental yield calculator](https://trykosh.com/tools/rental-yield-calculator): Work out what a rented property really earns as a percentage of its value, before and after the costs owners usually forget. ### Government schemes - [PPF calculator](https://trykosh.com/tools/ppf-calculator): See what your Public Provident Fund grows to at the current 7.1% rate, year by year, including how much the timing of your deposit matters. - [Sukanya Samriddhi Yojana calculator](https://trykosh.com/tools/sukanya-samriddhi-yojana-calculator): Plan your daughter's Sukanya Samriddhi account: see what yearly deposits grow to by maturity at 21 years, at today's 8.2% rate, and how much she can draw at 18 for studies. - [NSC calculator](https://trykosh.com/tools/nsc-calculator): Work out what a National Savings Certificate pays after 5 years, the interest each year, and how the tax works under the old and new regimes. - [KVP calculator](https://trykosh.com/tools/kvp-calculator): Kisan Vikas Patra doubles your money in a fixed period. At today's 7.5% rate that's 115 months; enter your amount and date to see when, and what it's worth along the way. - [Post office MIS calculator](https://trykosh.com/tools/post-office-monthly-income-scheme-calculator): See the fixed monthly income from the Post Office Monthly Income Scheme at 7.4%, for a single or joint account, and what you get back if you close it early. - [SCSS calculator](https://trykosh.com/tools/scss-calculator): Work out the quarterly income from the Senior Citizens Savings Scheme at 8.2%, the TDS on it, and what you keep after tax. - [Post office RD calculator](https://trykosh.com/tools/post-office-rd-calculator): Find out what a monthly post office recurring deposit grows to at 6.7%, compounded quarterly, over 5 years or with a 5-year extension. - [Post office FD calculator](https://trykosh.com/tools/post-office-time-deposit-calculator): Compare post office time deposits for 1, 2, 3 and 5 years at the October to December 2026 rates, and see the interest paid each year. - [EPF calculator](https://trykosh.com/tools/epf-calculator): Project your Employees' Provident Fund balance at retirement, with yearly raises, the employer's split between EPF and EPS, and any voluntary PF you add. - [NPS calculator](https://trykosh.com/tools/nps-calculator): Estimate what your National Pension System account could grow to, how it splits between lump sum and annuity at exit, and the monthly pension the annuity might pay. Returns and annuity rates are your assumptions. ### Capital gains - [Capital gains tax calculator](https://trykosh.com/tools/capital-gains-tax-calculator): Pick the asset, enter the purchase and sale dates and prices, and Kosh tells you whether the gain is short-term or long-term and works out the tax under the FY 2026-27 rules. - [LTCG tax calculator](https://trykosh.com/tools/ltcg-tax-calculator): Find the tax on long-term gains from shares and equity mutual funds, with the ₹1.25 lakh yearly allowance, the 31 January 2018 grandfathering rule, and how much tax-free room you have left this year. - [STCG tax calculator](https://trykosh.com/tools/stcg-tax-calculator): Sold shares or equity funds within a year? See the short-term capital gains tax at 20%, after brokerage and any short-term losses you can set off. - [Property capital gains calculator](https://trykosh.com/tools/property-capital-gains-calculator): Selling a flat, house or plot? Kosh works out the gain both ways the law now allows, picks the lower tax, and accounts for the circle rate, improvements and section 54 reinvestment. - [Cost inflation index calculator](https://trykosh.com/tools/cost-inflation-index-calculator): The Cost Inflation Index for FY 2026-27 is 384 (base year 2001-02 = 100). Use it to inflate what you paid for a property to today's terms and see whether indexation lowers your tax. - [Section 54 exemption calculator](https://trykosh.com/tools/section-54-exemption-calculator): Find out how much of your long-term capital gain you can shelter by buying a new home under section 54 or 54F, plus 54EC bonds, and how much tax is left to pay. - [Mutual fund tax calculator](https://trykosh.com/tools/mutual-fund-tax-calculator): How a mutual fund redemption is taxed depends on the type of fund, when you bought it and how long you held it. Choose your fund type and Kosh applies the right rule. - [Crypto tax calculator](https://trykosh.com/tools/crypto-tax-calculator): Profits on crypto and other virtual digital assets are taxed at a flat 30% plus cess in India, with 1% TDS on sales. Enter your trade to see the tax and what's left to pay. - [Tax on FD interest calculator](https://trykosh.com/tools/tax-on-fd-interest-calculator): Fixed deposit interest is taxed at your slab rate, and banks deduct TDS above a threshold. See the real tax on your FD, the TDS, and whether you'll owe more or get a refund. - [Dividend tax calculator](https://trykosh.com/tools/dividend-tax-calculator): Dividends are taxed in your hands at your slab rate. Enter your dividends and salary to see the real tax, the TDS companies deduct, and what you still need to pay. - [Tax on gold calculator](https://trykosh.com/tools/gold-tax-calculator): Gold is taxed differently depending on the form you hold it in. Pick jewellery, ETF, fund or Sovereign Gold Bond to see how long you need to hold it and the tax on your gain. ### Loans and credit cards - [EMI calculator](https://trykosh.com/tools/emi-calculator): Find the monthly instalment on any loan, how much of it is interest, and how the balance falls year by year. Works for home, car, personal, bike and business loans quoted on a reducing balance. - [Home loan EMI calculator](https://trykosh.com/tools/home-loan-emi-calculator): Work out the EMI on a home loan and see how the interest and principal split each year over a 15 to 30 year loan. The yearly split is what you need for the 24(b) and 80C tax claims. - [Car loan EMI calculator](https://trykosh.com/tools/car-loan-emi-calculator): Check the EMI and total interest on a car loan before you visit the showroom. Try different tenures to see how much a longer loan really costs. - [Personal loan EMI calculator](https://trykosh.com/tools/personal-loan-emi-calculator): Personal loans are unsecured, so rates and fees are higher than on home or car loans. See the EMI, the fee that comes off your disbursal, and what the loan really costs each year. - [Education loan EMI calculator](https://trykosh.com/tools/education-loan-emi-calculator): An education loan doesn't start with EMIs. Interest builds up while you study and for a few months after, then gets added to the loan. See what that does to your EMI and how much 80E gives back. - [Bike loan EMI calculator](https://trykosh.com/tools/bike-loan-emi-calculator): Check the EMI on a motorcycle or scooter loan, month by month. Two-wheeler loans are small and short, so fees and dealer offers move the real cost more than you'd expect. - [Gold loan calculator](https://trykosh.com/tools/gold-loan-calculator): Find out how much you can borrow against your gold jewellery and what it will cost to get it back. Gold rate, purity and LTV are all inputs, because they change daily and differ by lender. - [Home loan prepayment calculator](https://trykosh.com/tools/loan-prepayment-calculator): See what a bonus, an inheritance or a small extra each month does to your home loan. Compare reducing the tenure with reducing the EMI. - [Home loan eligibility calculator](https://trykosh.com/tools/home-loan-eligibility-calculator): Estimate how large a home loan banks may offer you, based on your income, the EMIs you already pay, your age and the property's value. - [Home loan balance transfer calculator](https://trykosh.com/tools/home-loan-balance-transfer-calculator): Find out whether moving your home loan to a lower rate is worth it once the fees and paperwork are paid. - [Flat vs reducing rate calculator](https://trykosh.com/tools/flat-vs-reducing-interest-rate-calculator): A flat rate of 7% is not a 7% loan. Convert any flat rate into its real reducing-balance rate and see how much more it costs. - [Loan comparison calculator](https://trykosh.com/tools/loan-comparison-calculator): A lower rate with a big fee can cost more than a higher rate with none. Compare two offers on what you actually pay. - [No-cost EMI calculator](https://trykosh.com/tools/no-cost-emi-calculator): No-cost EMI is a loan whose interest is paid by the seller as a discount. You still pay GST on that interest, plus a processing fee. Here's the real number. - [Credit card interest calculator](https://trykosh.com/tools/credit-card-interest-calculator): Pay anything less than the full bill and the interest-free period vanishes. See what carrying a balance adds to your next statement. - [Credit card EMI calculator](https://trykosh.com/tools/credit-card-emi-calculator): Turning a large card purchase into EMIs is far cheaper than revolving it, but not free. See the full cost including the fee and GST. - [Credit card minimum due calculator](https://trykosh.com/tools/credit-card-minimum-due-calculator): Paying the minimum due keeps your card in good standing but barely touches the debt. See how long it would take and what it would cost. - [Credit utilisation calculator](https://trykosh.com/tools/credit-utilization-calculator): Your credit utilisation is how much of your card limits you're using. It is one of the factors in your credit score that you can change fastest. - [Debt payoff calculator](https://trykosh.com/tools/debt-payoff-calculator): Juggling a credit card, a personal loan and an app loan? See when you'll be debt-free and which order saves the most. - [Debt-to-income ratio calculator](https://trykosh.com/tools/debt-to-income-ratio-calculator): How much of your income already goes to EMIs and card dues? This ratio decides whether a lender says yes to your next loan, and whether you should ask. - [Rent vs buy calculator](https://trykosh.com/tools/rent-vs-buy-calculator): Compare your net worth after buying a home with a loan against renting a similar home and investing what you'd otherwise spend. - [Home affordability calculator](https://trykosh.com/tools/home-affordability-calculator): A bank may lend you more than you should borrow. Set the EMI you're comfortable with, add your savings, and see the home price that fits. - [Car affordability calculator](https://trykosh.com/tools/car-affordability-calculator): Find a car budget that won't crowd out your savings, using a simple rule of thumb adapted for Indian incomes and loans. ### Budgeting and planning - [Monthly budget planner](https://trykosh.com/tools/budget-planner): List what comes in and what goes out each month, in the categories Indian households actually spend on. The planner shows your savings rate, ranks your expenses and checks them against the 50/30/20 rule. - [50/30/20 budget calculator](https://trykosh.com/tools/50-30-20-budget-calculator): The 50/30/20 rule splits take-home pay into three buckets: half for needs, 30% for wants and 20% for savings. Enter your salary to see the rupee amounts, adjust the split for your city, and check how your current spending measures up. - [Emergency fund calculator](https://trykosh.com/tools/emergency-fund-calculator): An emergency fund pays the bills if your income stops or a big unplanned cost lands. This calculator sizes yours from your essential spending, EMIs and how steady your income is, and shows a simple way to park it. - [Net worth calculator](https://trykosh.com/tools/net-worth-calculator): Your net worth is everything you own minus everything you owe. Fill in the assets and loans Indian households usually hold to see the number, how it is spread and how much of it you could actually use. - [Savings goal calculator](https://trykosh.com/tools/savings-goal-calculator): Pick a goal, a date and an expected return, and see the monthly saving that gets you there. Or flip it: enter what you can save each month and find out how long it will take. - [Child education planner](https://trykosh.com/tools/child-education-planner): College fees in India have been rising far faster than general prices. Enter today's cost of the course you have in mind and your child's age to see the future bill and the monthly investment that covers it. - [Wedding cost planner](https://trykosh.com/tools/wedding-cost-planner): Build a wedding budget line by line, from catering for every function to jewellery and guest travel. The planner adds a buffer for overruns, projects the cost to the wedding date and shows what to save each month. - [Term insurance calculator](https://trykosh.com/tools/term-insurance-calculator): A term policy should leave your family able to live as they do now, clear the loans and still fund the big goals. This calculator works out that amount from your own numbers instead of a rough multiple of salary. - [Health insurance cover calculator](https://trykosh.com/tools/health-insurance-cover-calculator): Hospital bills depend on where you get treated, how old you are and how many people share the policy. This guide turns those into a suggested sum insured and shows how far your current cover falls short. - [Home down payment calculator](https://trykosh.com/tools/down-payment-calculator): A home loan never covers the full price. Work out the down payment RBI's lending rules require, add stamp duty, registration and other costs, and see how much to save each month until you buy. - [Subscription cost calculator](https://trykosh.com/tools/subscription-cost-calculator): Small monthly plans are easy to forget and easy to keep paying. Add them up, flag the ones you barely use, and see what that money could become if it were invested instead. ### Business and GST - [GST calculator](https://trykosh.com/tools/gst-calculator): Add GST to a price or strip it out of one, at the slabs in force since 22 September 2025. You also see how the tax splits between CGST and SGST, or goes as IGST to another state. - [Reverse GST calculator](https://trykosh.com/tools/reverse-gst-calculator): Start from a price that already includes GST, such as an MRP, a quote or a bill, and find the taxable value and the tax inside it. It's the number you need for input tax credit claims and for pricing. - [GST invoice generator](https://trykosh.com/tools/gst-invoice-generator): Make a clean tax invoice in your browser: fill in your details and your buyer's, add up to ten items, and print it or save it as a PDF. Nothing is uploaded; the invoice is built on your device. - [GST late fee calculator](https://trykosh.com/tools/gst-late-fee-calculator): Work out the late fee on a GST return filed after its due date, with the reduced per-day rates and caps that apply to small businesses and nil returns. - [GST interest calculator](https://trykosh.com/tools/gst-interest-calculator): Work out the interest you owe when GST is paid after the due date, or when input tax credit was wrongly claimed and used. Interest runs day by day at 18% a year. - [Profit margin calculator](https://trykosh.com/tools/profit-margin-calculator): See what share of each sale you actually keep, before and after the other costs of selling. Or work backwards from the margin you want to the price you should charge. - [Markup calculator](https://trykosh.com/tools/markup-calculator): Turn a cost into a selling price with the markup you want, see what margin it really gives you, and what the customer pays once GST is added. - [Break-even calculator](https://trykosh.com/tools/break-even-calculator): Find how many units you need to sell each month before the business stops losing money, and how many more it takes to earn the profit you want. - [ROI calculator](https://trykosh.com/tools/roi-calculator): Measure what an investment really returned: total ROI on everything you put in, and the annualised figure that lets you compare it with an FD, a fund or another project. - [Business loan EMI calculator](https://trykosh.com/tools/business-loan-emi-calculator): See the EMI on a business loan and what it really costs you once the processing fee, the GST on that fee and the tax saving on interest are counted. - [Presumptive tax calculator (44AD)](https://trykosh.com/tools/presumptive-tax-calculator): Small traders and businesses can skip detailed books and pay tax on a fixed share of turnover. This calculator works out that deemed profit and the tax on it under both regimes for FY 2026-27. - [Freelancer tax calculator (44ADA)](https://trykosh.com/tools/freelancer-tax-calculator): Freelancers and consultants can pay tax on half their gross receipts without keeping detailed books. See what that means for you in FY 2026-27, how it compares with your real profit, and what's left after TDS. - [TDS on rent calculator](https://trykosh.com/tools/tds-on-rent-calculator): Work out the TDS you must deduct when you pay rent above ₹50,000 a month, whether you're a tenant paying for a home or a business paying for an office or machinery. - [TDS on property purchase calculator](https://trykosh.com/tools/tds-on-property-calculator): Buying a flat, house or plot worth ₹50 lakh or more from a resident seller? You must deduct 1% TDS and deposit it. Here's how much, and how to split it between joint buyers. - [E-commerce profit calculator](https://trykosh.com/tools/ecommerce-profit-calculator): Find what you really make on each order sold through an online marketplace, after commission, shipping, returns, ads and taxes. Every fee is an input, because each platform and category sets its own. - [Depreciation calculator](https://trykosh.com/tools/depreciation-calculator): Work out depreciation on a business asset year by year, the income-tax way (written-down value at block rates) and the straight-line way most company books use. - [Freelance rate calculator](https://trykosh.com/tools/freelance-hourly-rate-calculator): Work backwards from the income you want to the rate you need to charge. The calculator adds your business costs, a buffer for lean months and income tax, then divides by the hours you can actually bill. - [MSME delayed payment interest calculator](https://trykosh.com/tools/msme-delayed-payment-interest-calculator): If you're a micro or small enterprise and a buyer pays you late, the law entitles you to steep compound interest. Work out how much you're owed. ## Guides - [What is an AI CFO, and do you need one?](https://trykosh.com/learn/what-is-an-ai-cfo): What an AI CFO for your personal finances actually does, what it can't do, how it differs from a CA or adviser, and how to judge one before you trust it. - [Old vs new tax regime for FY 2026-27: how to pick the right one](https://trykosh.com/learn/old-vs-new-tax-regime-fy-2026-27): How to choose between the old and new tax regimes for FY 2026-27: break-even deductions at each salary, worked examples, and when switching is allowed. - [Income tax slabs for FY 2026-27, explained](https://trykosh.com/learn/income-tax-slabs-fy-2026-27): Income tax slabs for FY 2026-27 under the new and old regimes, with the 87A rebate, marginal relief, surcharge, cess and the tax at common incomes. - [How to claim HRA exemption, step by step](https://trykosh.com/learn/how-to-claim-hra-exemption): How HRA exemption is calculated, the proofs your employer needs, paying rent to parents, missed declarations, and when HRA is worth claiming at all. - [Section 80C deductions: the full list and how to use it](https://trykosh.com/learn/section-80c-deductions-guide): Every investment and expense that counts under 80C (section 123 of the new Act), with lock-ins, current rates, tax on returns, and when 80C saves nothing. - [How to save tax on salary in FY 2026-27](https://trykosh.com/learn/how-to-save-tax-on-salary): A plan to cut tax on salary in FY 2026-27: pick the right regime, use employer NPS, restructure pay, and claim old-regime deductions in the right order. - [CTC vs in-hand salary: where the money goes](https://trykosh.com/learn/ctc-vs-in-hand-salary): Why in-hand salary is lower than CTC: PF, gratuity, variable pay, professional tax and TDS, with worked examples for ₹12 lakh and ₹20 lakh offers. - [How to file your ITR as a salaried person](https://trykosh.com/learn/how-to-file-itr-salaried): How salaried people file an ITR: picking the form, checking AIS against Form 16, choosing the regime, paying tax due and e-verifying within 30 days. - [Advance tax: who pays, when, and how much](https://trykosh.com/learn/advance-tax-guide): Who must pay advance tax in FY 2026-27, the four due dates, how to estimate and pay online, and the interest under 234B and 234C if you don't. - [Freelancer tax in India: a complete guide for FY 2026-27](https://trykosh.com/learn/freelancer-tax-guide-india): How freelancers are taxed in India for FY 2026-27: the 50% presumptive scheme, its limits, client TDS, advance tax by 15 March, GST and the ITR form. - [GST for freelancers: when to register and how it works](https://trykosh.com/learn/gst-for-freelancers): When freelancers must register for GST, how exports are zero-rated under a LUT, what a GST invoice must show, and the returns you file afterwards. - [Capital gains tax on shares and mutual funds](https://trykosh.com/learn/capital-gains-tax-on-shares-and-mutual-funds): How gains on shares and mutual funds are taxed in FY 2026-27: 20% STCG, 12.5% LTCG above ₹1.25 lakh, debt funds at slab, and loss harvesting. - [NRI income tax in India: what's taxed and how to file](https://trykosh.com/learn/nri-income-tax-india): How NRIs are taxed in India: residential status day tests, which Indian income is taxable, NRE vs NRO, TDS, no 87A rebate, and how to file. - [How much emergency fund do you need?](https://trykosh.com/learn/how-much-emergency-fund-do-i-need): Emergency fund kitna hona chahiye? Work out your number from essentials and EMIs, how your job changes it, where to keep it and how to build it. - [How to read a credit card statement](https://trykosh.com/learn/how-to-read-a-credit-card-statement): Statement date vs due date, total vs minimum due, interest-free days, finance charges, GST, late fees, reward points and how to spot unauthorised charges. - [The credit card minimum due trap](https://trykosh.com/learn/credit-card-minimum-due-trap): Paying only the minimum due on ₹1 lakh takes 31 years and costs ₹4 lakh in interest and GST. Why, and the simple change that ends it in 41 months. - [How to get out of credit card debt](https://trykosh.com/learn/how-to-get-out-of-credit-card-debt): A step-by-step plan to clear credit card debt in India: avalanche vs snowball in real numbers, card EMIs, balance transfers, loans and your bank. - [How to build a monthly budget that actually works](https://trykosh.com/learn/how-to-build-a-monthly-budget): A monthly budget planner for Indian households: start from take-home, sort needs, wants and savings, plan for yearly bills and review in 20 minutes. - [How to track expenses from your bank statements](https://trykosh.com/learn/how-to-track-expenses-from-bank-statements): How to track expenses in India from bank and card statements: download them, pick categories, handle UPI noise, and run a 20-minute monthly review. - [SIP vs lump sum: which is better?](https://trykosh.com/learn/sip-vs-lumpsum): SIP vs lumpsum with real numbers: why lump sums win on paper, when SIPs win in practice, and what to do when you already have a large amount to invest. - [PPF vs ELSS vs NPS: which one, and when?](https://trykosh.com/learn/ppf-vs-elss-vs-nps): PPF vs ELSS vs NPS: lock-ins, tax in the old and new regimes, returns as assumptions, NPS exit rules at 60, and how ₹1.5 lakh a year grows in each. - [Should you prepay your home loan or invest?](https://trykosh.com/learn/home-loan-prepay-or-invest): Prepay your home loan or invest the money? A fair side-by-side with real numbers, the tax angle in both regimes, and a checklist before you prepay. - [How much term insurance do you need?](https://trykosh.com/learn/how-much-term-insurance-do-i-need): How much term insurance do you need? Why 10x income often falls short, a step-by-step method with worked numbers, policy term and edge cases. - [How much health insurance cover do you need?](https://trykosh.com/learn/how-much-health-insurance-do-i-need): How much health insurance cover do you need? Size it by city, age and family, why employer cover isn't enough, base plus super top-up, and what to check. - [How much money do you need to retire in India?](https://trykosh.com/learn/how-much-money-to-retire-in-india): How much do you need to retire in India? Work out your corpus from today's expenses, see which assumptions change it most, and find the SIP to get there. ## Comparisons - [Kosh vs a chartered accountant](https://trykosh.com/compare/kosh-vs-chartered-accountant): Kosh, an AI CFO, vs a chartered accountant: what each does, what each costs, where a CA is essential, and why most salaried people do best with both. - [Kosh vs a fee-only financial adviser](https://trykosh.com/compare/kosh-vs-fee-only-financial-adviser): How a SEBI-registered, fee-only investment adviser differs from Kosh, an AI CFO: what each may do, what each costs, and when it's worth hiring an RIA. - [Kosh vs a personal finance spreadsheet](https://trykosh.com/compare/kosh-vs-excel-google-sheets): Should you track money in Excel or Google Sheets, or let an AI CFO read your statements? An honest look at what spreadsheets do well and what they cost. - [The best AI CFO and AI financial advisor apps in India](https://trykosh.com/compare/best-ai-cfo-apps-india): A fair guide to AI money apps in India: what to check before you upload anything, the kinds of apps available, what each does well, and where Kosh fits. - [A personal CFO for salaried professionals](https://trykosh.com/compare/personal-cfo-for-salaried-professionals): What a personal CFO does for a salaried professional through the year, from regime choice in April to ITR in July, the hours it takes, and how Kosh helps. - [Kosh vs INDmoney: which one do you need?](https://trykosh.com/compare/kosh-vs-indmoney): Kosh vs INDmoney, compared plainly: what each is built for, how each gets your data, how each earns money, and when it makes sense to use both. - [Kosh vs ET Money: what each one is for](https://trykosh.com/compare/kosh-vs-et-money): Kosh vs ET Money: an AI CFO for spending, tax and goals, and a direct mutual fund platform with paid advisory. What each does and when to use both. - [Kosh vs neobank money insights (Fi, Jupiter and similar)](https://trykosh.com/compare/kosh-vs-neobank-insights): Fi wound down its banking app in 2026; Jupiter still offers accounts, cards and money insights. How Kosh differs, and how to keep your money picture. - [Kosh vs CRED: paying card bills vs planning your money](https://trykosh.com/compare/kosh-vs-cred): Kosh vs CRED: a card bill payment and rewards app with lending partners, and an AI CFO that plans spending and tax. What each does and when to use both. - [Kosh vs expense tracker apps (Walnut, Money Manager and similar)](https://trykosh.com/compare/kosh-vs-expense-tracker-apps): Walnut is now part of axio. How Kosh compares with SMS and manual expense trackers: where your data comes from, tax, leaks, and who should use which. - [Kosh vs Groww and Zerodha: planning vs investing](https://trykosh.com/compare/kosh-vs-groww-zerodha): Looking for an AI investment advisor in India? How Kosh differs from brokers like Groww and Zerodha, why they're complementary, and who does what. ## Kosh for - [Salaried professionals](https://trykosh.com/for/salaried-professionals): An AI CFO for salaried employees in India: picks your tax regime from real numbers, finds leaks in your bank and card statements and plans every goal. - [Freelancers and consultants](https://trykosh.com/for/freelancers-and-consultants): An AI CFO for freelancers in India: sorts client receipts from your bank statements, tracks irregular income and reminds you before advance tax is due. - [Doctors](https://trykosh.com/for/doctors): Financial planning for doctors in India: salary plus consulting fees, 194J TDS, 44ADA, advance tax and a late start on savings, all from your statements. - [Founders and small business owners](https://trykosh.com/for/founders-and-small-business-owners): Personal finance for business owners in India: separate your money from the business, plan drawings and advance tax, and build your own safety net. - [NRIs](https://trykosh.com/for/nris): NRI financial planning for your Indian money: NRE vs NRO, TDS on NRO interest, when you must file in India, and one view of your Indian bank statements. - [Newly married couples](https://trykosh.com/for/newly-married-couples): Financial planning for newly married couples in India: merge money without losing track, plan a home and joint goals, fix insurance and nominees. - [First-jobbers](https://trykosh.com/for/first-jobbers): First salary financial planning for India: why in-hand is less than CTC, your first credit card, an emergency fund, first SIP and your first tax return. ## Policies - [Privacy policy](https://trykosh.com/legal/privacy) - [Terms of service](https://trykosh.com/legal/terms) - [Refunds and cancellation](https://trykosh.com/legal/refunds) - [Financial disclaimer](https://trykosh.com/legal/disclaimer) - [Security](https://trykosh.com/legal/security)