FY 2025–26 · AY 2026–27

Which tax route actually
saves you money?

Presumptive (44AD / 44ADA) or normal books — put in your numbers and find out in 30 seconds. No CA required.

Indian content creators can file taxes in two broad ways: presumptive taxation (Sections 44AD or 44ADA), which taxes a fixed percentage of your receipts without requiring detailed expense records, or normal books, which taxes your actual net profit after deducting real business expenses. This free calculator runs both options — across both the old and new tax regimes — and tells you which one gives you the lowest tax bill for FY 2025–26.

Built by Sparkonomy — free for all Indian creators. Not a substitute for a CA.

Calculate your Tax Now

Tax route to testi44AD is for creators running a content business. 44ADA is for specified professionals (tech consultant, designer, architect, etc.). Pick 44AD if you're not sure — it's the most common for creators.

Your age bracketiOnly affects your old-regime tax. Under 60? That's almost everyone here — pick 'Below 60'.

Total creator receipts / turnoveriEverything you earned from creator work this year — brand deals, AdSense, YouTube payouts, platform fees, consulting. Your total gross income before any deductions.

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Received digitallyiPayments via bank transfer, UPI, NEFT, cheque. Most creator income is digital. This + cash should add up to your total receipts above.

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Received in cashiPhysical cash payments. Most creators: ₹0. Cash receipts are taxed at a slightly higher presumptive rate under 44AD (8% vs 6% for digital).

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Real work costs / expensesiCamera gear, editing software, studio rent, travel for shoots, freelancer payments — money you actually spent to do your work. Only used in the 'normal books' comparison.

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Other taxable incomeiSalary, rent, FD interest — income outside your creator work. Put ₹0 if creator income is your only income source.

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Old-regime deductionsiPPF, ELSS, LIC (80C), health insurance (80D), home loan interest — these only reduce your tax under the old regime. Leave ₹0 if you don't use the old regime.

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Affiliate / commission income?iIf a chunk of your earnings comes from affiliate links or acting as a brand agent, say Yes. That type of income usually can't use 44AD/44ADA, and it changes your eligibility.

Fits a specified profession?iOnly matters for 44ADA. Specified professions include tech consultants, doctors, lawyers, architects, engineers, accountants, interior designers, film artists. A content creator alone may not qualify.

Optional

Declare a higher presumptive profitiBy default we use the legal minimum (6%/8% for 44AD, 50% for 44ADA). If you want to test a custom declared profit amount, enter it here. Must be ≥ the minimum.

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Built by Sparkonomy · For Indian content creators · FY 2025–26

Estimate only. Tax laws are complex. Consult a qualified CA before filing.

Which tax route actually saves you money?

Calculate your Tax Now

Which tax route actually
saves you money?