Salary and tax calculators for India
Four free calculators covering the money questions every Indian salary raises: what a CTC pays in hand each month, what income tax you owe under the new and old regimes, what gratuity you have earned, and how much HRA (House Rent Allowance) is exempt. Every rate is updated for FY 2026-27.
Free, with no sign-up
No email gate and no limit on how often you use them.
Runs in your browser
The figures you type are never sent to our servers, stored or shared.
One statutory configuration
All four read the same FY 2026-27 rates, so they never disagree.
Pick your question
Four calculators, the working shown line by line
These are the same engines we run client payroll with, opened up for everyone: exact slabs, Indian grouping, and every intermediate step visible.
CTC to take-home calculator
See your monthly in-hand from any CTC, with PF, ESI, PT and TDS worked out.
Example: ₹12,00,000 CTC in Karnataka, new regime
₹91,515a month in hand
- Take-home (in-hand)
- ₹10,98,176
- Deductions: employee PF, ESI, PT and TDS
- ₹38,500
- Employer costs inside CTC
- ₹63,324
Income tax calculator
New and old regime side by side, with the exact slab-wise working.
Example: ₹15,00,000 salary, ₹1,50,000 invested under section 123 (earlier 80C)
₹1,13,100saved a year under the new regime
New regime (default)Lower tax
₹97,500
Old regime
₹2,10,600
Gratuity calculator
The (15 ÷ 26) formula on last drawn wages, the service rules and the ₹20,00,000 ceiling.
Example: ₹50,000 last drawn monthly wages, 7 years of service
₹2,01,923gratuity after 7 years
Completed years of service
- Empty tiles: gratuity needs 5 years of continuous service for this type of employment
HRA exemption calculator
The least-of-three rule under the old regime, the proof checklist and the landlord PAN cutoff.
Example: ₹50,000 basic, ₹25,000 HRA and ₹20,000 rent a month
₹1,80,000of HRA exempt a year
Actual HRA received
₹3,00,000
Rent paid minus 10% of basic
₹1,80,000
Smallest: your exemption
40% of basic (non-metro)
₹2,40,000
- Dashed line: the smallest of the three, ₹1,80,000, which is the HRA exempt from tax. Of the HRA received, ₹1,20,000 stays taxable.
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Frequently asked questions
Are these calculators free?
Yes, all four calculators are completely free, with no sign-up, no email gate and no limits on how often you use them. They run on the same calculation engines we use to process client payroll every month.
Which financial year do these calculators use?
All four calculators use FY 2026-27 rates: the income tax slabs for both regimes, PF (Provident Fund), ESI (Employees' State Insurance), professional tax by state and the gratuity ceiling. When a rate changes, we update the single statutory configuration behind every tool.
Do you store my inputs?
No, calculations run in your browser. The salary, rent and deduction figures you type are never sent to our servers, stored or shared. Close the tab and they are gone.
Can I rely on these numbers for filing or payroll?
The calculators are accurate for standard salaried cases and follow the statutory formulas exactly. For edge cases such as multiple employers, ESOPs or arrears, or before you file, have a professional check the working. That is the work we do daily, so ask us.
Want these numbers handled for you, every month?
The calculators show the working. Our payroll team owns it: salaries credited on the 1st, PF, ESI and TDS filed before due dates. Book a 30-minute scoping call.
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