Blog & Guides
79 practical guides — what VixitAI builds, plus GST, income tax, mortgage, 401(k), UK stamp duty & more, written for Indian, US & UK professionals.
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.
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