Blog & Guides
82 practical guides — what VixitAI builds, plus GST, income tax, mortgage, 401(k), UK stamp duty & more, written for Indian, US & UK professionals.
Latest Guides
Leave Encashment Tax in India: The ₹25 Lakh Exemption Explained
Taxable in service, exempt on exit up to ₹25 lakh — and the four-limit formula that decides how much.
Income TaxIncome Tax Refund Delayed? How to Check Status and Fix It
What each refund status means, the five usual reasons it is stuck, and how to unstick it.
GSTHSN Code on GST Invoices: 4, 6 or 8 Digits — What You Need
How many digits your invoices need, how to classify correctly, and why GST 2.0 means re-checking every code.
VixitAI Products & Company
What is VixitAI? Products, Tools & Company Explained (2026)
Every VixitAI product on one page — HMS, Cortex, Studios, the free tools, and who each is for.
VixitAI HMSVixitAI HMS: Clinic & Hospital Management Software Explained
What each module does — queue, EMR, billing, pharmacy, lab, IPD and the patient portal.
PricingVixitAI HMS Pricing 2026: Plans, Modules & What's Included
All four plans from ₹1,999/mo, what lands in each tier, and how to pick between them.
Free ToolsVixitAI Free Financial Tools: All 81 Calculators Explained
The full map of every calculator, which one you actually want, and why they run in your browser.
CortexVixitAI Cortex: Enterprise AI That Answers From Your Own Data
Cited answers from your own records — who it's for, how to evaluate it, and what it is not.
StudiosVixitAI Studios: AI-Native SaaS & Web Development
What the studio builds, what "AI-native" actually means, and what to ask before commissioning one.
QuizVixitAI Quiz: Free Current Affairs & GK Practice for Exams
Free MCQ practice for SSC, Bank PO, Railway and UPSC — and how to use it without wasting a year.
RentleloRentlelo by VixitAI: How the P2P Rental Marketplace Works
Rent bikes, cameras and tools from local owners — plus the rent-or-buy arithmetic most people skip.
ExplainerVixitAI vs Civitai: Two Different Companies, Explained
Similar names, unrelated companies. Which one you were looking for, settled in a minute.
Tax & Compliance
What is GST? Complete Guide for Beginners [2026]
Learn everything about GST — rates, registration, returns filing, input tax credit.
Income TaxIncome Tax Slabs 2026-27: Old vs New Regime Compared
Complete comparison with examples. Find out which regime saves you more tax.
Tax SavingBest Tax Saving Instruments 2026 — Save Up to ₹4.5 Lakh
Section 80C, 80D, 80CCD, NPS, ELSS, PPF — all deductions explained.
80CSection 80C Deductions Complete List [2026]
All 80C instruments: PPF, ELSS, LIC, NSC, SSY, EPF with limits and examples.
ITRHow to File ITR Online 2026 — Step by Step Guide
Complete ITR filing walkthrough with screenshots and common mistakes to avoid.
Tax SavingHow to Save Income Tax: 15 Legal Ways [2026]
Practical tax saving strategies for salaried employees and freelancers.
CryptoCrypto Tax India 2026: 30% Tax on Bitcoin & Crypto
Section 115BBH, 1% TDS, how to report crypto income in ITR.
GSTGST Registration Process 2026 — Online Application
Step-by-step GST registration, documents required, timeline, common errors.
GSTGST Return Filing: GSTR-1, GSTR-3B Guide [2026]
Which return to file when, deadlines, late fees, and filing process.
Income TaxNew Tax Regime Benefits 2026: Should You Switch?
Detailed comparison of old vs new regime with deduction analysis.
TDSTDS Guide 2026: Rates, Sections, Thresholds & How to Claim It Back
Why too much gets deducted, how to read Form 26AS, and the only route to a refund.
Capital GainsCapital Gains Tax India 2026: Property, Shares, Gold & Exemptions
Short vs long term, the indexation change and who still gets it, plus the exemptions that work.
NRINRI Taxation India 2026: Residency, Slabs, DTAA & Repatriation
The day-count test that decides everything, NRE vs NRO, and why TDS is harsher for NRIs.
GSTGST Invoice Format 2026: Mandatory Fields, Rules & Time Limits
Every required field, tax invoice vs bill of supply, and the errors that cost your buyer credit.
GSTGST Changes 2026: New Rules, Rates & Updates You Must Know
New rules, rate changes, e-invoicing and return changes — the complete update for businesses.
GSTGST Cancellation Process 2026: How to Cancel GST Registration
Voluntary cancellation, suo moto cancellation and revocation — step by step.
ITRITR Filing Last Date 2026: Due Date, Late Fee & How to File
The AY 2026-27 deadline, the Section 234F late fee, and how to file a belated return.
Professional TaxProfessional Tax Rates by State 2026
Complete state-wise professional tax rates for all Indian states.
Salary & EPF
Salary Breakup Explained: CTC vs In-Hand Salary
Understand CTC, basic, HRA, PF, ESI, professional tax. Know your in-hand salary.
EPFEPF Guide 2026: Interest Rate, Withdrawal Rules & Tax Benefits
EPF interest rate history, withdrawal rules, tax benefits, EPF vs PPF vs NPS comparison.
EPFEPF Withdrawal Rules 2026 — When Can You Withdraw?
EPF withdrawal conditions, tax implications, partial vs full withdrawal rules.
EPFEPF Transfer Process — How to Transfer PF Balance Online
Step-by-step EPF transfer via EPFO portal, Form 13, common issues.
EPFHow to Check EPF Balance — 5 Methods [2026]
EPFO portal, missed call, SMS, UMANG app, and passbook methods.
ComparisonEPF vs NPS vs PPF — Which is Better for Retirement?
Returns, tax benefits, liquidity, risk comparison of three retirement schemes.
HRARent Receipt for HRA 2026: Format, Landlord PAN & Proof Rules
What a valid receipt must show, when the landlord's PAN is required, and if you have none.
ExitFull & Final Settlement India 2026: Components, Timeline & Rights
What you are owed on leaving a job, what can be deducted, and what to do before you sign.
HRAHRA Exemption Rules 2026: Complete Guide with Examples
Section 10(13A) explained with examples. Metro vs non-metro, documents, HRA + home loan.
GratuityGratuity Calculator: Formula, Rules & Tax Exemption
Gratuity formula, Payment of Gratuity Act, ₹20L exemption rules.
Investment & Savings
SIP Calculator: How SIP Returns are Calculated [2026]
SIP formula, step-up SIP, SIP vs lump sum, best strategies for wealth creation.
SIPSIP vs Lump Sum: Which is Better for Mutual Funds?
Returns comparison in bull, bear, and sideways markets with data.
SIPSIP Returns Comparison: 1yr, 3yr, 5yr, 10yr Returns
Historical SIP returns across fund categories and time horizons.
FDFD Calculator: How Fixed Deposit Interest is Calculated [2026]
FD formula, cumulative vs non-cumulative, bank rates table, tax on FD interest.
FDFixed Deposit Rates 2026: Bank-wise Comparison
Latest FD rates from SBI, HDFC, ICICI, PNB, and other banks.
RDRD Calculator: How Recurring Deposit Returns are Calculated
RD formula, bank rates comparison, tax on RD interest. Complete guide.
NPSNPS Calculator: Returns & Tax Benefits [2026]
NPS tax benefits, returns history, NPS vs EPF vs PPF comparison.
NPSNPS vs ELSS: Which Saves More Tax?
Returns, lock-in, tax benefits, risk comparison of NPS and ELSS.
PPFPPF Calculator: Returns & Rules [2026]
PPF interest rate history, loan & withdrawal rules, PPF vs FD vs ELSS.
Mutual FundMutual Fund Taxation 2026: LTCG, STCG & Tax on SIP
Equity, debt, hybrid fund tax rules. LTCG, STCG rates, dividend tax.
RetirementRetirement Planning India 2026: How Much Corpus Do You Need?
The inflation trap, why the 4% rule needs adjusting for India, and what starting late costs.
SWPSWP Guide 2026: Systematic Withdrawal Plans, Tax & Safe Rates
Why an SWP is taxed better than an FD, and how to pick a rate that survives a bad market.
InsuranceTerm Insurance Calculator Guide 2026: How Much Cover Do You Need?
Work out the right cover with the HLV method, and compare premiums across age groups.
InvestmentBest Investment Options in India 2026 — Complete Guide
Top investment options by risk profile: low, moderate, and high risk.
ELSSBest Tax Saving Mutual Funds 2026 — ELSS Funds
Top ELSS funds by returns, risk, and expense ratio. 80C tax benefit.
Loans & Home
EMI Calculator: How EMI is Calculated — Formula & Examples
EMI formula, amortization explained, tips to reduce EMI, fixed vs floating rate.
EMIEMI Prepayment Guide: How Much Can You Save?
Partial vs full prepayment, savings examples, prepayment charges.
Home LoanHome Loan Eligibility 2026: How Much Can You Actually Borrow?
The FOIR rule, LTV caps, what counts as income, and the levers that genuinely raise a sanction.
PropertyRent vs Buy a House in India 2026: The Honest Calculation
Why EMI vs rent is the wrong comparison, the rent-to-price test, and when buying really wins.
Home LoanHome Loan Tax Benefits 2026: Section 24b & 80C
Interest deduction, principal deduction, joint home loan benefits.
Home LoanHome Loan Interest Rates 2026: Bank-wise Comparison
Latest home loan rates from SBI, HDFC, ICICI, and other banks.
Home LoanHome Loan Prepayment: Should You Pay Off Early?
Prepayment strategy, savings calculation, partial vs full prepayment.
Freelancer & Documents
Freelancer Tax Guide India 2026 — Everything You Need to Know
ITR filing, advance tax, GST for freelancers, deduction options.
DocumentsHow to Download Form 26AS — Step by Step Guide
TRACES portal walkthrough, what 26AS shows, how to verify TDS.
DocumentsHow to Link Aadhaar with PAN — Online & Offline Methods
Step-by-step Aadhaar-PAN linking, deadline, penalty, status check.
DocumentsPAN Card Status Check — Track Your PAN Application
NSDL, UTIITSL portals, track PAN status, common issues and solutions.
DocumentsDownload PAN Card Online — e-PAN PDF in 10 Minutes
NSDL e-PAN download, instant e-PAN, verify PAN details online.
EPFUAN Activation — How to Activate UAN Online
Step-by-step UAN activation on EPFO portal, common issues, UAN status check.
USA Financial Tools
Mortgage Calculator Guide 2026: PITI, Amortization & US Home Buying
How PITI works, amortization schedules, fixed vs adjustable rates, 2026 US mortgage rates.
401(k)401(k) Calculator Guide 2026: Maximize Your Retirement Savings
Employer match, catch-up contributions, 2026 limits, investment options, withdrawal rules.
Roth IRARoth IRA Calculator Guide 2026: Tax-Free Retirement Growth
Roth vs Traditional IRA, 2026 limits, income limits, 5-year rule, conversion strategies.
Student LoanStudent Loan Calculator Guide 2026: Repayment Plans & PSLF
Federal repayment plans, SAVE/IDR, PSLF eligibility, refinancing, 2026 policy updates.
Credit ScoreCredit Score Simulator Guide 2026: How to Improve Your FICO Score
FICO factors, how actions affect score, simulation examples, improvement tips.
DebtDebt Payoff Planner Guide 2026: Snowball vs Avalanche Method
Snowball vs Avalanche, pros/cons, real examples, debt consolidation options.
HSAHSA Calculator Guide 2026: Triple Tax Advantage Health Savings
HSA triple tax advantage, 2026 limits, eligibility, HSA as retirement account.
FIRECoast FIRE Calculator Guide 2026: When Your Savings Can Coast to Retirement
What is Coast FIRE, how to calculate, vs regular FIRE, investment allocation.
RMDRMD Calculator Guide 2026: Required Minimum Distributions Explained
Age requirements, IRS tables, SECURE 2.0 changes, penalty avoidance strategies.
RothBackdoor Roth Calculator Guide 2026: Tax Impact & Pro-Rata Rule
Pro-rata rule, step-by-step process, tax implications, common mistakes.
UK Financial Tools
UK Stamp Duty Calculator Guide 2026/27: SDLT Rates & Reliefs
SDLT rates, first-time buyer relief, additional property surcharge, Scotland/Wales.
National InsuranceUK National Insurance Calculator Guide 2026/27: NIC Rates & Thresholds
NIC Class 1 & 4, 2026/27 thresholds, self-employed NIC, voluntary contributions.
UK PensionUK Pension Calculator Guide 2026: Auto-Enrolment & State Pension
Auto-enrolment minimums, tax relief, State Pension forecast, workplace vs personal pension.
Buy-to-LetBuy-to-Let Calculator Guide 2026: Rental Yield & Section 24 Tax
Gross vs net yield, Section 24, SDLT surcharge, cash flow analysis.
Need a Calculator?
Try our free financial tools — no login required.