Trust and accuracy
Calculator assumptions and sources
Analyze Daily is built for practical planning. We keep assumptions visible so users can understand where estimates are strong and where real-life payroll, lender, tax, or product details may change the final number.
Last reviewed: June 12, 2026
Income Tax and Salary
- Income tax estimates are designed for Indian salaried users below 60 years of age unless stated otherwise.
- The FY 2026-27 model uses the new-regime rates continued in the Union Budget 2026-27: nil up to Rs 4L, then 5%, 10%, 15%, 20%, 25%, and 30% slabs.
- The old tax regime uses the under-60 slab assumptions: nil up to Rs 2.5L, 5% up to Rs 5L, 20% up to Rs 10L, and 30% above Rs 10L.
- The calculator applies standard deduction, Section 87A rebate where applicable, surcharge tiers, marginal relief, and 4% health and education cess.
- Salary calculators estimate common payroll deductions such as employee PF, professional tax, selected tax regime, and user-entered deductions. Exact employer salary structures can vary.
PF, HRA, and Gratuity
- PF estimates use 12% employee contribution and the statutory wage-cap option where selected.
- HRA exemption uses the standard minimum-of-three method based on HRA received, rent paid minus 10% of basic salary, and 40% or 50% of basic salary depending on city type.
- Gratuity estimates use the common formula: last drawn basic salary x 15 x completed years of service / 26.
SIP, FD, RD, Compound Interest, and EMI
- SIP and investment calculators use standard compound-growth formulas. Investment returns are assumptions, not guarantees.
- EMI calculators use the standard reducing-balance loan EMI formula based on loan amount, annual interest rate, and tenure.
- FD, RD, and compound-interest outputs can differ from banks because products may use different compounding frequency, rounding, tax treatment, premature withdrawal rules, or special rates.
GST and Utility Calculators
- GST calculator outputs are arithmetic estimates for inclusive or exclusive tax treatment.
- Business and utility calculators such as margin, discount, percentage, age, and time duration are mathematical tools and do not replace professional advice.
Important limitation
These tools are estimates for education and planning. For tax filing, loan sanction, investment selection, legal interpretation, or payroll disputes, verify the result with your employer, lender, bank, broker, Chartered Accountant, or the relevant official source.