Every salaried employee in India ends up needing to understand at least three numbers: CTC, take-home, and income tax liability. The six calculators below cover the full picture, from decoding an offer letter to squeezing out tax savings before the financial year closes.
Overview
Salary calculators in India have to handle more than gross-minus-tax arithmetic. They need to unpack CTC structure (employer EPF and gratuity sitting inside CTC), work out HRA exemption based on city and rent, run two tax regimes with different deduction rules, smooth TDS across 12 months, and compute gratuity on its own separate formula. The tools below handle all of it without a spreadsheet or an accountant in the loop.
What to Look For
FY 2026-27 tax slabs. The new regime's slabs changed meaningfully for FY 2025-26 and carried forward into FY 2026-27. A calculator still running older rates will hand you the wrong number.
Support for both regimes. Which regime saves you money depends entirely on your own deduction profile, so a calculator covering only one regime tells half the story.
A clear CTC-to-take-home breakdown. This is what most people actually need: given an offer letter with a CTC figure, what actually lands in the bank each month?
No login wall. A salary calculation shouldn't require an account first.
Our Picks
Salary Calculator
The Salary Calculator is where any CTC analysis should start. Enter your annual CTC and salary structure (basic percentage, HRA percentage, allowances), and it breaks out gross monthly salary, EPF deductions on both the employee and employer side, TDS, professional tax, and net take-home, in both monthly and annual views.
It earns its place when you've just received an offer and want to know what ₹15 lakh CTC actually means for monthly cash flow. The calculator accounts for the employer EPF and gratuity provisions that sit inside CTC and that most people gloss over, so you get a realistic in-hand number instead of a flattering CTC-divided-by-12 figure.
Good for evaluating job offers, making sense of your salary slip, and budgeting against what actually hits your account.
Income Tax Calculator
The Income Tax Calculator works out your full annual tax under both old and new regimes side by side. Enter salary income, other income sources (FD interest, rental income, capital gains), and your deductions (80C, 80D, HRA, home loan interest, NPS), and it shows tax liability, effective rate, and marginal rate under each regime.
Where employer TDS only covers salary, this calculator handles mixed income too, which matters if you're salaried but also have freelance income, rental income, or capital gains to declare.
Good for annual tax planning, choosing a regime before the financial year starts, and getting ready for ITR filing in July.
HRA Calculator
The HRA Calculator works out your HRA exemption under Section 10(13A), probably the single most miscalculated part of salary taxation. Enter basic salary, actual HRA received, monthly rent paid, and city type, and it shows the exempt and taxable portions right away.
A lot of salaried employees either skip claiming this (no rent receipts submitted) or get the three-way minimum wrong. This calculator rules out both mistakes. Under the old regime, HRA is often the second biggest deduction after 80C.
Good for salaried employees paying rent, checking your employer's HRA math, and figuring out how much rent gets you the maximum exemption.
Old vs New Tax Regime Calculator
The Old vs New Tax Regime Calculator is arguably the most decision-critical tool here for FY 2026-27. It runs both regimes at once using your actual numbers, salary, HRA, 80C investments, home loan interest, NPS, 80D premium, and shows which one saves more and by how much.
Where the old regime starts winning depends on total deductions. Below roughly ₹3 to ₹3.5 lakh in deductions, the new regime tends to come out ahead. Employees with home loan interest, a full 80C, metro HRA, and NPS contributions can see the old regime save ₹30,000 to ₹80,000 a year instead.
Good for choosing a regime at the start of the year, checking whether a home loan EMI changes the decision, and comparing offers built around different regimes.
TDS Calculator
The TDS Calculator shows the monthly TDS your employer should be withholding based on your projected annual salary and declared investments. If your actual salary slip doesn't match what this calculator produces, that's a sign of either a missing investment declaration or a payroll error worth chasing down.
It's also handy mid-year if you haven't submitted investment proofs yet. It shows exactly how much TDS jumps in the remaining months if declarations don't get submitted by the employer's deadline, usually January or February.
Good for verifying monthly TDS, planning declarations to avoid a year-end spike, and understanding why TDS shifted after you submitted Form 12BB.
Gratuity Calculator
The Gratuity Calculator computes your entitlement under the Payment of Gratuity Act, 1972. Enter your last drawn basic salary (plus DA if it applies) and completed years of service, and it applies the formula: basic plus DA, times 15/26, times years of service.
People tend to underestimate gratuity because the formula uses 15/26, not 15/30 or a flat half, accounting for 26 working days a month. On a ₹60,000 basic after 10 years, that's ₹60,000 times 15/26 times 10, or ₹3,46,154, fully tax-exempt up to ₹20 lakh for private sector employees.
Good for checking entitlement before resigning, understanding the cost of leaving before 5 years, and estate planning around death or disability scenarios.
How We Evaluated
All six calculators were checked against the same criteria.
FY 2026-27 accuracy: tax slabs, standard deduction amounts, and EPF rates verified against current rules.
Support for both regimes: old and new tax regimes covered wherever it's relevant.
No sign-up required: results appear immediately, no account needed.
Shareable URL: inputs get encoded in the link so you can send a specific calculation to your CA or HR team.
Transparent formula: the calculation logic is visible, not hidden behind a single output number.