Tax & Salary Calculators

Know your real take-home before you negotiate, and compare the old and new tax regimes on your own income instead of a rule of thumb.

Income Tax CalculatorCompare the old and new regimes on your income for FY 2026-27.
In-Hand Salary CalculatorTurn your annual CTC into a real monthly take-home figure.
HRA Exemption CalculatorThe minimum-of-three rule, computed live — see exactly how much of your HRA escapes tax.
Gratuity CalculatorEstimate the gratuity your employer owes you when you leave.
GST CalculatorAdd GST to any price and see the CGST/SGST or IGST split instantly.
Reverse GST CalculatorStrip GST out of an inclusive price to see the base value and the tax inside it.
GST Input Tax Credit (ITC) CalculatorSee how much of your GST bill your purchases already paid — and what’s actually due in cash.
GST Rate FinderPick what you’re buying, see the exact GST rate it attracts — and what it adds to the bill.

Old vs new regime: a choice, not a default

India now runs two parallel income-tax systems. The new regime offers lower slab rates but strips out most deductions; the old regime keeps the deductions — HRA, home-loan interest, insurance, PPF and the rest — at higher rates. Which one leaves you more money depends entirely on how much you actually claim: heavy users of deductions often still win under the old regime, while everyone else tends to do better in the new one. The income tax calculator computes your liability under both side by side; the regime comparison guide and the saving tax under the new regime guide cover the decision in depth. Salaried taxpayers can switch their choice each year at filing, so it is worth re-running the comparison annually.

CTC is not your salary

The number in your offer letter is cost-to-company: it bundles the employer’s PF contribution, gratuity provision, insurance premiums and sometimes one-off joining benefits — money you never see in a monthly credit. What lands in your account is basic plus allowances, minus your own PF, professional tax and TDS. The gap between CTC and in-hand routinely surprises people by 20% or more, which makes the in-hand salary calculator the tool to run before accepting any offer, and our salary slip guide the decoder for each line once you are paid. Negotiating? Compare offers on projected in-hand, not CTC — structures differ enough to reorder them.

HRA and gratuity: the two most-miscalculated components

HRA exemption is the minimum of three quantities — actual HRA received, rent paid less a tenth of basic salary, and half of basic in a metro (40% elsewhere) — a formula almost nobody applies correctly by hand, and only relevant if you stay in the old regime. The HRA calculator applies it for you. Gratuity, on the other side of the employment relationship, becomes payable after five years of continuous service and is computed from your last-drawn basic and years served; the gratuity calculator shows what a resignation date is actually worth — sometimes staying three more months crosses a year boundary worth real money.

The GST toolkit

Three small tools cover most day-to-day GST arithmetic: the GST calculator adds tax to a base price, the reverse GST calculator extracts the tax already inside an inclusive price (the one invoicing freelancers reach for), and the ITC calculator nets input credit against output liability to show what you actually remit. Rates by category live in the GST rate finder. If you bill clients yourself, start with the GST for freelancers guide — it covers registration thresholds, composition, and when charging GST is actually optional.