Money maths for India, done right.
Salary, tax, investing and loan calculators built on official rules, with every source and assumption shown.
Salary & tax
- CTC to in-hand salaryMonthly take-home from your CTC, with PF, professional tax and TDS, under both regimes.
- Income tax: old vs new regimeSide-by-side tax for tax year 2026-27, with deductions, rebate, surcharge and cess shown.
- HRA exemptionHow much of your house rent allowance is tax-free under the old regime.
- GratuityGratuity under the Labour Code, the ₹20 lakh cap, and how much is tax-free.
- EPF balanceProject your EPF corpus at retirement with the new ₹25,000 wage ceiling.
- 8th Pay Commission estimateEstimate revised basic pay for a fitment factor you choose. Not official.
- TDS on salaryHow much tax your employer should deduct each month for the rest of the year.
Equity pay
Investing
- SIPDaily, weekly, monthly or quarterly SIP: value, goal amount or time needed, after tax and inflation.
- Step-up SIPSIP that rises every year by a percentage or a fixed amount.
- Lumpsum and returnsGrowth of a one-time investment, the amount for a goal, or your CAGR.
- PPFPPF maturity at the current 7.1% rate, with 5-year extensions.
- FD and RDFixed and recurring deposit maturity with your bank’s rate and compounding.