India market
India salary and tax calculators
Calculate in-hand salary from CTC for FY 2026-27, compare the new and old tax regimes, and verify the deductions on your salary slip.
Calculators
11 calculators
Guides
5 guides
India guide
CTC vs in-hand salary: where the money actually goes
A worked breakdown of a Rs 12,00,000 package: what employer PF, gratuity and tax take out, and why your bank account sees far less than the offer letter.
India guide
New regime or old regime: which one leaves you more
Slab rates for both regimes, the Section 87A rebate and its marginal relief, and the deduction level at which the old regime overtakes the new one on a real salary.
India guide
HRA exemption: the three tests, and why rent decides everything
How Section 10(13A) with Rule 2A works: the least of three figures, which cities count as metro, and why HRA with no rent paid gives no exemption.
India guide
How monthly TDS on salary is worked out
Why Indian salary TDS is an annual projection split across the months remaining, and what a mid-year job change or bonus does to your monthly deduction.
India guide
What the labour codes did to Indian salary structures
What the Code on Wages 50 per cent rule actually says, why it is an add-back rather than a floor on basic pay, and its effect on PF, gratuity and take-home.
What these use
Every India calculator runs the same engine, with rule data confirmed against the Income Tax Department, the Ministry of Labour and Employment, EPFO, ESIC, and Article 276(2) of the Constitution for professional tax. Where a state professional tax schedule has not been confirmed against that state's own notification, the result says so rather than assuming a figure.
Read the calculation methodology and sources and assumptions.
About these calculators
India runs on its own rules and its own hub, kept entirely separate from the United States paycheck engine. Take-home pay here is not a translation of the American calculation: it starts from cost to company rather than gross salary, and the deductions between the two are specific to Indian payroll.
The gap between the number on an offer letter and the amount reaching a bank account is usually substantial, because employer provident fund and gratuity accrual sit inside cost to company without ever being paid as cash. The tools below work that gap out line by line, under either tax regime.
Which tool answers what
| Calculator | What it estimates |
|---|---|
| In-Hand Salary Calculator | Calculate monthly in-hand salary from CTC for FY 2026-27. Compares new and old tax regimes with EPF, HRA, professional tax, gratuity, ESI and TDS. |
| New vs Old Tax Regime | Compare the new and old tax regimes on your own salary, and see how much extra deduction the old regime would need to come out ahead. |
| Salary Hike Take-Home | See what a raise is actually worth in your bank account. A 10 per cent CTC hike is rarely 10 per cent more in hand once tax and PF scale with it. |
| Salary Slip TDS Checker | Check the tax and deductions on your salary slip line by line against what the rules produce. Amounts only, no login and no uploads. |
| HRA Exemption Calculator | Work out how much of your House Rent Allowance is exempt from tax: the least of HRA received, 50% or 40% of salary, and rent less 10% of salary. Uses the right city list for the year — Bengaluru, Hyderabad, Pune and Ahmedabad moved to 50% from FY 2026-27 — and tells you the rent that would exempt all of it. |
| Gratuity Calculator | Work out the gratuity due after five years of service under the Payment of Gratuity Act — 15/26 of last drawn basic + DA per year, part-years over six months rounded up — or the 15/30 formula for employers outside the Act, with the ₹20 lakh ceiling and the section 10(10) exemption. |
| Home Loan EMI Calculator | Work out your home loan EMI on the reducing-balance method, then see what a lump-sum or monthly prepayment saves in interest and months, and what a floating-rate reset does to the tenure or the EMI. Full month-by-month schedule with CSV export. |
| PPF Calculator | Work out what a Public Provident Fund account reaches over 15, 20 or 25 years at the current 7.1% rate, with interest computed the way the scheme actually does it: monthly, on the lowest balance between the 5th and month end, credited each 31 March. See what late deposits cost. |
| EPF Calculator | Project your Employees’ Provident Fund balance at retirement from basic pay, with the employer’s 8.33% EPS diversion (capped at ₹1,250), VPF, yearly increments and interest computed monthly on the running balance at the declared 8.25%. Year-by-year table with CSV export. |
| NPS Calculator | Project your National Pension System corpus from monthly contributions at a return you choose, then apply the exit rules: at least 40% to an annuity, up to 60% as a tax-free lump sum, and the monthly pension the annuity buys at the rate you enter. Year-by-year table. |
| GST Calculator | Add GST to a price or extract it from an inclusive one, split into CGST + SGST for a sale within the state or IGST across states, using the slabs in force since GST 2.0 on 22 September 2025: 0%, 5%, 18% and 40%, plus the 0.25% and 3% special rates. Old 12% and 28% rates flagged for pre-reform invoices. |
Common questions
Why is my in-hand salary so much lower than my CTC?
Cost to company includes amounts the employer spends that never reach you as monthly cash — employer provident fund contribution and gratuity accrual in particular — alongside your own provident fund deduction, professional tax, and income tax deducted at source. The in-hand calculator itemises each of these against the package entered.
What is the difference between the new and old tax regimes?
The new regime applies lower slab rates with most exemptions and deductions removed. The old regime keeps deductions such as house rent allowance exemption, Section 80C, and home loan interest, at higher slab rates. Which leaves more depends on the deductions actually claimed, which is what the comparison calculator evaluates.
How is monthly TDS on salary worked out?
Tax deducted at source is an annual liability projected across the financial year and divided by the months remaining, not a flat monthly percentage. This is why a mid-year job change or a bonus can move the monthly deduction sharply even when the salary itself has not changed.
How much HRA exemption can be claimed?
The exemption is the least of three figures: the allowance actually received, rent paid less ten per cent of basic salary, and a percentage of basic salary that depends on whether the city counts as metro. Rent actually paid is required — an allowance with no rent behind it gives no exemption.
Other decisions
What do I actually take home?
Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.
Can I buy this home?
Estimate home affordability, mortgage payments, down payment, loan-to-value, and closing costs.
How do I manage or improve my existing mortgage?
See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.
Should I refinance or use home equity?
Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.
What will this loan cost me?
Estimate payment, APR, repayment schedule and total loan cost for personal, auto and student loans, and compare two offers on the same basis.
How do I get out of debt?
Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.
How will my money grow?
Saving, Investing & Retirement
Project compound interest, investment growth and retirement savings, and see how much the return and inflation assumptions move a long-horizon result.
Does the business make money?
Find the break-even point, price for a margin or a markup, measure a return over its holding period, and set a freelance rate from the hours you can actually bill.
What do these health measurements mean?
Use browser-only screening tools with visible formulas, limitations, medical sources, and review dates.
What is the everyday answer, worked properly?
Percentages, fractions and units; tips, discounts and fuel; dates, ages and time; grades and GPA — each one stating the convention it applied rather than hiding it.