About Numvexa

Q: What is the difference between nominal rate and effective annual rate (EAR)?

The nominal rate is the stated annual interest rate. The Effective Annual Rate (EAR) accounts for compounding frequency and shows the true yearly return. For 12% compounded monthly, EAR = (1 + 0.12/12)^12 – 1 = 12.68%.

Q: Does PPF use compound interest?

Yes. PPF interest is calculated monthly but credited annually at the end of each financial year. The current PPF interest rate is 7.1% per annum compounded annually.

Q: Is interest on Fixed Deposits compound interest?

Cumulative FDs use compound interest — interest is added quarterly to the principal per RBI guidelines. Non-cumulative FDs pay out interest periodically, effectively acting like simple interest from the investor's perspective.

Numvexa was built with a single mission: give every Indian access to accurate, free, and easy-to-understand financial calculators.

Managing personal finance is hard. Banks often hide real numbers behind jargon. We cut through that with clear step-by-step formulas and instant results — no sign-up, no ads forced on you, no data collection.

Numvexa is owned and maintained by Raja Mahakul.

Our Values

🎯 Accuracy First – Every formula is verified against RBI & CBDT guidelines.
🔒 Privacy – All calculations happen in your browser. We store nothing.
📱 Accessibility – Works beautifully on ₹5,000 phones and ₹1,50,000 laptops alike.
🆓 Free Forever – Supported by non-intrusive advertising.

Contact Us

Have feedback, a bug report, or a suggestion for a new calculator? We'd love to hear from you.

✉️

Email Us Directly

rajamahakul90@gmail.com

We typically reply within 24 hours.

Frequently Asked Questions

How is EMI calculated?

EMI = [P × r × (1+r)ⁿ] / [(1+r)ⁿ – 1] where P = principal, r = monthly interest rate, n = tenure in months. Our calculator shows every step.

Which GST rates are available?

We support all four standard GST slabs: 5%, 12%, 18%, and 28%. You can both add GST to a base price or strip GST from a GST-inclusive price.

Is my data safe?

Absolutely. All calculations run entirely in your browser using JavaScript. No data is sent to any server. We have no database of user inputs.

Which tax regime should I choose?

It depends on your deductions. If you have significant 80C, HRA & home loan deductions, the old regime often saves more. Our Income Tax Calculator compares both regimes side-by-side.

How accurate are the SIP projections?

SIP projections assume a constant annual return rate compounded monthly. Actual mutual fund returns vary. Treat projections as indicative, not guaranteed.

How is HRA exemption calculated?

HRA exemption = Minimum of: (a) Actual HRA received, (b) 50%/40% of Basic Salary (metro/non-metro), (c) Actual rent paid minus 10% of Basic Salary.

Who is eligible for gratuity?

An employee is eligible for gratuity after completing 5 years of continuous service with the same employer, as per the Payment of Gratuity Act, 1972.

Can I use these calculators on mobile?

Yes! Numvexa is fully responsive and tested on Android and iOS. The layout adapts perfectly for small screens.

🔒

Privacy Policy

Effective Date: June 1, 2025 | Last Updated: June 1, 2025 | Owner: Raja Mahakul

Welcome to Numvexa (https://numvexa.in/). Your privacy is important to us. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website. By using Numvexa, you agree to the practices described in this policy.

1. Information We Collect

a) Information You Provide Voluntarily

When you use our Contact form, we may collect your name and email address solely to respond to your query. We do not store this information in any database — it is transmitted directly to our inbox.

b) Automatically Collected Information

Like most websites, we may automatically receive standard technical data such as your browser type, operating system, referring URLs, and pages visited. This is collected in aggregate and is not linked to any personally identifiable information.

c) Calculator Inputs

All calculator inputs (loan amounts, salaries, tax figures, etc.) are processed entirely within your browser. No calculation data is ever transmitted to our servers or stored by us.

2. Cookies and Third-Party Advertising

Numvexa uses Google AdSense to display advertisements. Google AdSense uses cookies to serve ads based on your prior visits to this website and other sites on the internet. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to Numvexa and/or other sites on the Internet.

You may opt out of personalised advertising by visiting Google Ads Settings. Alternatively, you may opt out of a third-party vendor's use of cookies for personalised advertising by visiting www.aboutads.info.

We may also use Google Analytics to understand how visitors use our site. Analytics data is collected in anonymised, aggregate form and does not identify individuals.

3. How We Use Your Information

To respond to your contact messages or feedback.
To improve website performance and user experience.
To display relevant advertisements via Google AdSense.
To comply with legal obligations.

4. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share anonymised, aggregate data with analytics providers. We may disclose information if required by law or to protect our legal rights.

5. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies before providing any personal information.

6. Children's Privacy

Numvexa is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

7. Security

We implement reasonable technical measures to protect any information processed on our site. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

You have the right to access, correct, or request deletion of any personal information you have provided to us. To exercise these rights, please contact us via the Contact page.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of Numvexa after changes constitutes your acceptance of the revised policy.

10. Contact Us

If you have questions about this Privacy Policy, please reach out through our Contact page. This website is owned and operated by Raja Mahakul.

📋

Terms & Conditions

Effective Date: June 1, 2025 | Last Updated: June 1, 2025 | Owner: Raja Mahakul

Please read these Terms & Conditions ("Terms") carefully before using Numvexa at https://numvexa.in/, operated by Raja Mahakul. By accessing or using Numvexa, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By using this website, you confirm that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. If you are using the site on behalf of an organisation, you represent that you have authority to bind that organisation.

2. Use of the Website

Numvexa grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the website for personal, non-commercial purposes. You agree not to:

Reproduce, duplicate, copy, sell, or resell any portion of the website without express written permission.
Use automated bots, scrapers, or similar tools to extract data from the site.
Attempt to gain unauthorised access to any part of the website or its related systems.
Use the website for any unlawful purpose or in violation of applicable laws.
Transmit any viruses, malware, or other harmful code.

3. Calculators and Financial Information

All calculators on Numvexa are provided for informational and educational purposes only. Results are estimates based on the data you enter and the mathematical formulas applied. They do not constitute financial, tax, investment, or legal advice. We strongly recommend consulting a qualified financial advisor, chartered accountant, or legal professional before making any financial decisions.

4. Intellectual Property

All content on Numvexa — including but not limited to text, graphics, logos, icons, images, and software — is the intellectual property of Raja Mahakul or its licensors and is protected under applicable Indian and international copyright laws. Unauthorised use is strictly prohibited.

5. Third-Party Services

Numvexa uses Google AdSense for advertising and may use Google Analytics for usage tracking. These third-party services are governed by their own terms and privacy policies. We are not responsible for the practices of these third parties.

6. Limitation of Liability

To the maximum extent permitted by law, Numvexa and Raja Mahakul shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the website or its calculators — even if advised of the possibility of such damages.

7. Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Indemnification

You agree to indemnify, defend, and hold harmless Numvexa and Raja Mahakul from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the website or violation of these Terms.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of Numvexa following any changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in India.

11. Contact

For any questions regarding these Terms, please contact us via the Contact page. This website is owned by Raja Mahakul.

⚠️

Disclaimer

Effective Date: June 1, 2025 | Last Updated: June 1, 2025 | Owner: Raja Mahakul

The information and tools provided on Numvexa (https://numvexa.in/), owned by Raja Mahakul, are intended solely for general informational and educational purposes. By using this website, you acknowledge and agree to the following:

1. Not Professional Advice

Nothing on Numvexa constitutes professional financial, investment, tax, legal, accounting, or any other professional advice. The calculators and content are general tools and should not be relied upon as a substitute for advice from a licensed professional. Always seek the advice of a qualified expert before making financial or legal decisions.

2. Accuracy of Calculations

While we strive to ensure that all calculators produce accurate results based on standard formulas, Numvexa makes no representation or warranty — express or implied — as to the accuracy, completeness, reliability, or suitability of any calculation result. Financial formulas and tax rules are subject to change. Results may differ from those computed by banks, financial institutions, or government portals.

3. No Guarantee of Results

Investment projections (such as SIP or mutual fund growth estimates) are based on hypothetical assumptions and historical average returns. Past performance does not guarantee future results. Actual returns will vary based on market conditions, fund performance, and other factors outside our control.

4. Tax Calculations

Tax calculations on Numvexa are based on publicly available tax slabs and rules for Indian taxpayers. Tax laws change frequently and may be subject to amendments by the Government of India. Numvexa is not responsible for errors or omissions resulting from changes in the law after the date of publication. Always verify with a Chartered Accountant or the Income Tax Department of India.

5. Third-Party Links and Advertisements

Numvexa may display advertisements served by Google AdSense and may contain links to third-party websites. We do not endorse or take responsibility for the content, accuracy, or practices of any advertiser or linked website. Visiting those websites is entirely at your own risk.

6. Limitation of Liability

Numvexa and Raja Mahakul shall not be held liable for any loss, damage, or inconvenience arising as a consequence of any use of, or inability to use, the information or tools on this website. This includes but is not limited to financial losses, missed tax deadlines, or erroneous investment decisions made in reliance on our calculator results.

7. Errors and Omissions

Despite our best efforts, Numvexa may occasionally contain typographical errors, inaccuracies, or information that is out of date. We reserve the right to correct any errors and update information at any time without prior notice.

8. Governing Jurisdiction

This Disclaimer is governed by the laws of India. Any disputes shall fall under the exclusive jurisdiction of Indian courts.

9. Contact

If you believe any content on Numvexa is inaccurate or have concerns, please reach out via the Contact page. This website is owned and operated by Raja Mahakul.

📊

Old vs New Tax Regime 2026: Which One Saves You More?

By Raja Mahakul · Published: June 10, 2026 · 6 min read

1. Introduction

Every salaried Indian faces the same question at the start of every financial year: Old Tax Regime or New Tax Regime? With the Union Budget 2025-26 making the New Regime even more attractive — raising the basic exemption limit to ₹4 lakh and restructuring slabs — the choice has never been more important. This guide breaks down both regimes, compares them side-by-side, and helps you decide which one puts more money in your pocket for FY 2025-26 (AY 2026-27).

2. Old Tax Regime

The Old Tax Regime has been the default system for Indian taxpayers for decades. Its key feature is a rich set of deductions and exemptions that can significantly reduce your taxable income if you invest and plan well.

Key deductions available:

Section 80C – Up to ₹1.5 lakh (PPF, ELSS, LIC, home loan principal, etc.)
Section 80D – Health insurance premium up to ₹25,000 (₹50,000 for senior citizens)
HRA Exemption – House Rent Allowance for salaried employees in rented accommodation
Section 24(b) – Home loan interest up to ₹2 lakh
Standard Deduction – ₹50,000 for salaried individuals
NPS (80CCD) – Additional ₹50,000 over the 80C limit

Old Regime slabs (FY 2025-26): 0% up to ₹2.5L · 5% (₹2.5L–₹5L) · 20% (₹5L–₹10L) · 30% above ₹10L. A rebate under Section 87A makes income up to ₹5L effectively tax-free.

3. New Tax Regime (Default from FY 2024-25)

Introduced in Budget 2020 and made the default regime from FY 2023-24, the New Tax Regime offers lower slab rates in exchange for forgoing most deductions and exemptions.

Revised slabs for FY 2025-26:

Up to ₹4,00,000 – Nil
₹4,00,001 – ₹8,00,000 – 5%
₹8,00,001 – ₹12,00,000 – 10%
₹12,00,001 – ₹16,00,000 – 15%
₹16,00,001 – ₹20,00,000 – 20%
₹20,00,001 – ₹24,00,000 – 25%
Above ₹24,00,000 – 30%

Under the New Regime, income up to ₹12 lakh is effectively tax-free for resident individuals (after the enhanced Section 87A rebate of ₹60,000). The standard deduction of ₹75,000 is also available, making the effective zero-tax threshold ₹12.75 lakh for salaried taxpayers.

4. Comparison Table

Feature	Old Regime	New Regime
Basic Exemption	₹2.5 Lakh	₹4 Lakh
80C Deduction	✅ Up to ₹1.5L	❌ Not available
HRA Exemption	✅ Available	❌ Not available
Standard Deduction	₹50,000	₹75,000
Section 87A Rebate	Up to ₹5L income	Up to ₹12L income
Home Loan Interest (24b)	✅ Up to ₹2L	❌ Not available
Best suited for	High deduction earners	Most salaried taxpayers

5. Which One is Better?

The answer depends on your total deductions. Here is a practical rule of thumb for FY 2025-26:

Income up to ₹12.75 lakh? → New Regime is almost always better (zero tax after rebate + standard deduction).
Income ₹12.75L–₹18L with large deductions? → Run both calculations. Old Regime can win if 80C + HRA + 80D together exceed ₹4–5 lakh.
Income above ₹18L with heavy investments? → Old Regime often saves more if deductions exceed ₹5.5L+.
No investments or renting without HRA? → New Regime will almost always be cheaper.

Use Numvexa's Income Tax Calculator to enter your actual numbers and compare both regimes instantly.

6. Frequently Asked Questions

Can I switch regimes every year?

Salaried individuals (without business income) can switch between regimes every financial year. Those with business income can switch only once — from New to Old — and cannot switch back.

Is NPS deduction available in the New Regime?

The employer's contribution to NPS (Section 80CCD(2)) is still available as a deduction in the New Regime. The employee's own contribution under 80CCD(1B) is not.

What happens if I don't choose a regime?

From FY 2023-24 onward, the New Tax Regime is the default. If you do not submit Form 10-IEA, your employer will deduct TDS under the New Regime automatically.

Which regime is better for a ₹10 lakh salary?

For a ₹10 lakh gross salary, the New Regime typically results in zero or very low tax after the ₹60,000 rebate and ₹75,000 standard deduction. The Old Regime may save slightly more only if you have ₹1.5L in 80C + significant HRA + 80D deductions.

7. Conclusion

The New Tax Regime 2026 is a strong default choice for most Indian salaried employees — especially those earning up to ₹12.75 lakh or those with limited deductions. For higher earners with substantial investments, HRA, and home loans, the Old Regime may still offer meaningful tax savings.

The smartest move? Calculate both. Use Numvexa's free Income Tax Calculator to get an instant, accurate comparison — no sign-up needed.

Disclaimer: This article is for informational purposes only and does not constitute professional tax advice. Tax laws are subject to change. Consult a Chartered Accountant for personalised guidance.

📊 Investment Calculator

Compound Interest Calculator

Calculate how your investment grows with the power of compounding — monthly, quarterly, or annually.

🔢 Enter Your Details

Principal Amount (₹)

₹

Annual Interest Rate (%)

% p.a.

Time Period (Years)

yrs

Compounding Frequency

Maturity Amount

—

Principal Invested

—

Total Interest Earned

—

Interest / Principal Ratio

—

Effective Annual Rate

—

Composition Breakdown

Formula Used

📈

Results appear here

Fill in the inputs on the left and click Calculate Now

What is Compound Interest?

Compound interest is the process of earning interest on both your original principal and the interest you've already accumulated. Unlike simple interest — which pays only on the original sum — compounding means your money earns returns on an ever-growing base, leading to exponential rather than linear growth over time.

Albert Einstein reportedly called compound interest the "eighth wonder of the world," and with good reason. A one-time investment of ₹1 lakh at 10% compounded annually will grow to nearly ₹6.73 lakh in 20 years — that's ₹5.73 lakh of pure interest, almost 6× the original investment, without adding a single rupee.

In India, compounding is the backbone of instruments like Fixed Deposits (FDs), Public Provident Fund (PPF), National Savings Certificate (NSC), Recurring Deposits, and equity mutual funds through SIP. Understanding how to calculate and compare compounding frequencies helps you make smarter investment choices and maximise your wealth-building potential.

How Compound Interest Works

Compound interest works by reinvesting the interest earned at the end of each compounding period back into the principal. So in the next period, you earn interest on a larger amount. The shorter the compounding period — monthly vs. annually — the more frequently this reinvestment happens, and the faster your money grows.

For example, ₹1 lakh at 12% compounded annually gives you ₹1,12,000 after year one. But at 12% compounded monthly (1% per month), you'd have ₹1,12,682 — ₹682 more, simply because interest was computed 12 times instead of once.

Compound Interest Formula Explanation

The standard compound interest formula is:

A = P × (1 + r/n)^(n×t)

Where:

A = Maturity Amount (future value)

P = Principal Amount (initial investment)

r = Annual Interest Rate (as a decimal, e.g. 10% = 0.10)

n = Number of times interest compounds per year

t = Time Period in years

Compound Interest (CI) = A – P

The key insight is the exponent n×t — the total number of compounding periods. Increasing either n (frequency) or t (time) dramatically amplifies growth due to the exponential nature of the formula.

Step-by-Step Example

Let's calculate compound interest on a ₹2,00,000 investment at 8% per annum compounded quarterly for 3 years.

Given: P = ₹2,00,000 | r = 8% = 0.08 | n = 4 (quarterly) | t = 3 years

Step 1: Rate per period = r/n = 0.08/4 = 0.02 (2% per quarter)

Step 2: Total periods = n×t = 4×3 = 12

Step 3: A = 2,00,000 × (1 + 0.02)^12

Step 4: A = 2,00,000 × (1.02)^12 = 2,00,000 × 1.2682

Result: A = ₹2,53,647 | CI = ₹53,647

Benefits of Compound Interest

Exponential growth: Returns accelerate over time — the longer you invest, the faster your corpus grows.
Wealth multiplier: Even modest, consistent savings can build significant wealth over 10–30 year horizons.
Inflation beating: At higher compounding frequencies, your effective annual returns exceed the nominal rate.
Passive income: Your money works for you 24/7 without any active effort once invested.
Reinvestment effect: Dividends and interest automatically get reinvested in instruments like ELSS and FDs.
Early-start advantage: Starting 5 years earlier can double your final corpus, thanks to the power of exponents.

Simple Interest vs Compound Interest

The fundamental difference: Simple Interest (SI) calculates returns only on the original principal every year, while Compound Interest (CI) calculates returns on the growing balance — principal plus accumulated interest.

Parameter	Simple Interest	Compound Interest
Interest Basis	Original Principal	Principal + Accumulated Interest
Growth Type	Linear	Exponential
Formula	SI = P × r × t	A = P × (1 + r/n)^(n×t)
₹1L @ 10% for 10 yrs	₹1,00,000 interest	₹1,59,374 interest
Best for	Short-term loans	Long-term investments
Where used	Car loans, personal loans	FD, PPF, mutual funds

Common Mistakes to Avoid

Ignoring compounding frequency: A 10% FD compounded monthly gives more than 10% compounded annually. Always compare APY (Annual Percentage Yield), not just the nominal rate.
Withdrawing interest early: Taking out interest defeats compounding. Let it accumulate to harness exponential growth.
Short time horizons: Compounding really shines after 10+ years. Starting late — even by 5 years — can cost lakhs in lost returns.
Not accounting for inflation: A 7% FD during 6% inflation delivers only ~1% real return. Always compare against inflation.
Ignoring tax on interest: FD interest is fully taxable. Post-tax returns may be significantly lower. Consider tax-efficient instruments like PPF or ELSS.
Overestimating equity returns: Mutual fund returns are not guaranteed. Use conservative rates (10–12%) for long-term equity projections.

Investment Tips for Maximising Compound Returns

🕐 Start early: The first 5–10 years matter most. Even small amounts invested at 25 outperform large amounts invested at 35.
🔁 Reinvest everything: Opt for cumulative FDs over non-cumulative ones. Choose growth plans in mutual funds over dividend plans.
📆 Choose higher compounding frequency: Monthly or quarterly compounding beats annual compounding at the same nominal rate.
📊 Use SIPs for equity: Systematic Investment Plans (SIPs) in equity mutual funds combine the benefits of rupee-cost averaging with compounding.
🏦 PPF for tax-free compounding: Public Provident Fund offers EEE (Exempt-Exempt-Exempt) tax status — contributions, returns, and withdrawals are all tax-free.
💳 Avoid compound interest on debt: Credit card debt compounds monthly at 24–48% p.a. Pay off high-interest debt before investing.
🔒 Lock in for longer: Longer lock-ins (5-year FDs, PPF) prevent premature withdrawal and let compounding work uninterrupted.

Frequently Asked Questions

What is the difference between nominal rate and effective annual rate (EAR)?

The nominal rate is the stated annual interest rate (e.g. 12%). The Effective Annual Rate (EAR) accounts for compounding frequency and shows the true yearly return. For 12% compounded monthly, EAR = (1 + 0.12/12)^12 – 1 = 12.68%. The more frequently interest compounds, the higher the EAR relative to the nominal rate.

Which compounding frequency gives the highest returns?

More frequent compounding always yields higher returns at the same nominal rate. The order from lowest to highest return is: Annually → Half-Yearly → Quarterly → Monthly → Daily → Continuously. However, the difference diminishes at higher frequencies. Monthly vs quarterly compounding at 10% for 10 years differs by less than 0.5% in final value.

Does PPF use compound interest?

Yes. PPF interest is calculated monthly on the minimum balance between the 5th and last day of each month, but it is credited annually at the end of each financial year (March 31). The current PPF interest rate is 7.1% per annum (compounded annually). Over a 15-year lock-in, ₹1.5 lakh invested annually can grow to approximately ₹40 lakh.

Is interest on Fixed Deposits compound interest?

Cumulative FDs use compound interest — the interest is added to the principal quarterly (as per RBI guidelines for most banks) and the combined amount earns interest in subsequent quarters. Non-cumulative FDs pay out interest at regular intervals (monthly, quarterly, or annually), so only the principal earns interest — effectively simple interest from the investor's perspective.

How does the Rule of 72 relate to compound interest?

The Rule of 72 is a quick mental shortcut for compound interest. Divide 72 by the annual interest rate to estimate how many years it takes to double your money. For example, at 8% p.a., your investment doubles in roughly 72/8 = 9 years. At 12% p.a., it doubles in about 6 years. This rule works best for rates between 6% and 20%.

Can compound interest work against you?

Absolutely. Compound interest is a double-edged sword — it accelerates wealth accumulation on investments but exponentially increases debt burden on loans. Credit card debt at 40% p.a. compounded monthly can more than double in under 2 years if only minimum payments are made. This is why paying off high-interest debt should always precede investing for most individuals.

What is continuous compounding and does it matter?

Continuous compounding is the theoretical maximum — interest is calculated and added at every infinitesimally small moment. The formula is A = P × e^(r×t) where e ≈ 2.71828. In practice, no Indian bank offers continuous compounding. Monthly compounding is the most frequent you'll encounter for retail products, and the difference from continuous compounding at typical rates is less than 0.1% annually.

Smart Financial Calculators

📰 Latest Articles

TDS Rules & Changes in India for FY 2026-27 — Complete Guide

ELSS vs PPF: Which is Better for Tax Saving in 2026?

Best Tax Saving Investments Under Section 80C in India (2026 Guide)

New Tax Slabs 2026: Complete Guide for Salaried Employees in India

Form 16 Explained 2026: Meaning, Part A & B, ITR Filing Guide

₹50,000 Salary in India: Is It Enough in 2026?

₹10,000 SIP per Month: Future Value in 10, 20, and 30 Years

No Emergency Fund Yet? Advisors Warn This Could Be a Major Problem

Ignoring Your EPF Balance? Experts Say This Could Hurt Your Retirement Savings

Old vs New Tax Regime 2026: Which One Saves You More?

🧰 PDF Tools

JPG to PDF

PDF to JPG

Merge PDF

Split PDF

Compress PDF

Rotate PDF

📄 Document Tools

PDF to Word

Word to PDF

Excel to Word

Word to Excel

Excel to PDF

PDF to Excel

All Calculators

EMI Calculator

GST Calculator

Salary Calculator

Salary & Overtime Calculator

Age Calculator

SIP Calculator

Compound Interest Calculator

PF Calculator

HRA Calculator

Gratuity Calculator

Income Tax Calculator

📄 Free Resume Builder

Build Your Professional Resume — Free

About Numvexa

Our Values

Contact Us

Frequently Asked Questions

Privacy Policy

1. Information We Collect

a) Information You Provide Voluntarily

b) Automatically Collected Information

c) Calculator Inputs

2. Cookies and Third-Party Advertising

3. How We Use Your Information

4. Data Sharing and Disclosure

5. Third-Party Links

6. Children's Privacy

7. Security

8. Your Rights

9. Changes to This Policy

10. Contact Us

Terms & Conditions

1. Acceptance of Terms

2. Use of the Website

3. Calculators and Financial Information

4. Intellectual Property

5. Third-Party Services

6. Limitation of Liability

7. Disclaimer of Warranties

8. Indemnification

9. Modifications to Terms

10. Governing Law

11. Contact

Disclaimer

1. Not Professional Advice

2. Accuracy of Calculations

3. No Guarantee of Results

4. Tax Calculations

5. Third-Party Links and Advertisements

6. Limitation of Liability

7. Errors and Omissions

8. Governing Jurisdiction

9. Contact

Smart Financial
Calculators