Live Policy Clarity

Decode the policies
that shape Bharat.

From Budget 2026 tax calculations to scheme eligibility, real wage analysis, and policy advisory powered by Niti — everything a citizen, student, or researcher needs.

Ask Niti anything about tax, schemes & policy

₹12L

Zero Tax Threshold

6.00%

RBI Repo Rate (Mar 2026)

4.3%

CPI Inflation (Feb 2026)

₹11.1T

Budget 2026 Capex

नीति

Policy Tools

Budget 2026-27 · Updated Mar 2026

Budget 2026 — Personal Impact Calculator

See exactly how Union Budget 2026–27 affects your finances — taxes, sector benefits, and key announcements relevant to you.

Updated Feb 2026

Annual Income (₹)

Employment Type

Sector

Home Loan Outstanding (₹)

Planning to buy EV?

Has NPS Account?

Government Scheme Eligibility Finder

6 questions → matched Central Government schemes you can actually apply for right now.

50+ Schemes

1. Annual household income?

Below ₹1L

₹1–3L

₹3–8L

Above ₹8L

2. Occupation?

Farmer

Daily Wage / Labour

Student

Small Business

Salaried

3. Own agricultural land?

Yes

4. Gender?

Female

Male

Other

5. Have BPL / Ration Card?

Yes

6. Age group?

Under 18

18–35

35–60

60+

Inflation & Real Wage Tracker

How much of your salary hike was actually real? Compare your income growth vs. RBI/MoSPI CPI data.

RBI Data

Salary in 2021 (₹/month)

Your Salary in 2026 (₹/month)

Spending Category

Income Tax Calculator

FY 2025-26 · AY 2026-27

New vs Old Regime — With All Deductions

HRA, 80C, 80D, NPS, Home Loan — full calculation to find which regime saves you more.

AY 2026-27

Basic Details

Gross Annual Income (₹)

Employment Type

Age

Deductions (Old Regime)

HRA Received (₹/yr)

Rent Paid (₹/yr)

Metro City?

80C Investments (₹)

80D Health Insurance (₹)

NPS 80CCD(1B) (₹)

Home Loan Interest (₹)

Other Deductions (₹)

Policy Column

Monthly Analysis · 2026

Ask NitiVaad to write a policy explainer or analysis on any current topic.

Ask Niti

Your Virtual Policy Advisor

Niti · Policy Advisor