The old tax law is gone.
Your tools should know that.
India replaced the Income-tax Act, 1961 with the Income-tax Act, 2025. ITR Saral builds calculators for freelancers and independent professionals directly on the new Act — every rule traced to its section, every page dated.
Tip of the day: Presumptive filers pay advance tax in one instalment — 15 March — instead of four (s.408(2)). →
Tools
Presumptive eligibility checker
Are you a 50% "profession" or a 6%/8% "business" under Section 58 — or neither? The one answer most blogs get wrong.
LivePresumptive tax calculator
Gross receipts → presumed income → tax, old and new regime side-by-side.
LiveAdvance tax scheduler
Your instalments — including the single 15 March date presumptive filers get.
LiveOld vs new regime comparator
Your real deductions against the ₹75k standard deduction — which regime actually wins.
LiveITR-4 vs ITR-3 decider
Fourteen conditions — including the new two-house rule — decide your form.
LiveExport invoice generator
LUT-ready invoices for foreign clients — built in your browser, nothing uploaded.
LivePlatform TDS reconciler
The 0.1% platforms deduct is a credit, not your tax — see the real gap.
LiveGST: register or not?
Turnover + client location → whether you actually need GST registration.
LiveExport of services checker
The five zero-rating conditions, and whether you need an LUT.
LivePPF calculator
Yearly deposit → 15/20/25-year maturity at 7.1%, tax-free, year by year.
LiveEPF calculator
Your 12%, the employer split with EPS, raises → provident-fund corpus at 8.25%.
LiveSukanya Samriddhi calculator
The 8.2% scheme for a daughter: deposit 15 years, mature at 21.
LiveIncome tax calculator
Both regimes end to end: rebate, marginal relief, surcharge, cess, monthly TDS.
LiveHRA exemption calculator
Least of three — how much of your HRA is tax-free in the old regime.
LiveTDS on salary
What your employer should deduct each month under s.192, with catch-up.
LiveCapital gains calculator
Shares, funds, property — LTCG/STCG at 12.5% / 20% with the ₹1.25 lakh exemption.
LiveGratuity calculator
15/26 formula, five-year rule, ₹20 lakh tax-free limit.
LiveLeave encashment calculator
Least-of-four exemption up to ₹25 lakh on retirement or resignation.
LiveRent receipt generator
A year of HRA receipts in one go — built in your browser, printed to PDF.
LiveNPS calculator
Corpus at 60, the 60% tax-free lump sum, monthly pension — and both regimes' deductions.
LiveFD / RD calculator
Quarterly compounding, payout option, and the ₹50,000 / ₹1 lakh TDS line.
LiveNSC calculator
5-year maturity at 7.7% and the accrued-interest 80C trick, year by year.
LiveSCSS calculator
8.2% quarterly for 60+, ₹30 lakh cap, TDS above ₹1 lakh.
LivePost office MIS
Monthly income at 7.4% on up to ₹9 / ₹15 lakh — taxable, no TDS.
LiveSIP / lumpsum calculator
Future value with step-up, and the 12.5% LTCG on the way out.
LiveGST calculator
Inclusive or exclusive at 5 / 18 / 40%, split into CGST + SGST or IGST.
LiveSAC / HSN lookup
48 freelance service codes with rates — type what you do, copy the code.
LiveComposition scheme checker
1% / 5% / 6% flat tax — the limits and the inter-state bar, in seven questions.
LiveForeign income converter
SBI TT rate, Rule 115, platform fees — the rupee figure that goes in the return.
LiveTDS certificate matcher
Form 16A against 26AS/AIS, line by line — what to claim, whom to chase.
Why most freelancers get Section 44ADA wrong
The famous "50% presumptive scheme" was never for every freelancer. The eligible-professions list — now in Section 62(4) — is a closed one: legal, medical, engineering, architecture, accountancy, technical consultancy, interior decoration, information technology and company secretary, plus a small set of CBDT-notified professions.
A writer, designer, video editor, marketer or translator is usually a business under the same Section 58 — presumed profit of 6% (digital receipts) or 8% (cash), with a much higher ₹2 crore limit — not a 50% profession. Most blog posts get this wrong. Check where your work actually falls →