Find out what your CTC really pays each month, how much tax you owe under each regime, what your PF and gratuity add up to, and what the 8th Pay Commission could mean for you. Every result shows the formula behind it.
15 tools for salaried employees, government staff and savers.
Turn your CTC into the exact monthly take-home, with PF and tax.
Open calculator →Work backwards from the take-home you need to the CTC to ask for.
Open calculator →Hike % and the real change in your monthly in-hand pay.
Open calculator →Old vs new regime tax for FY 2026-27, side by side.
Open calculator →Monthly TDS your employer should deduct this year.
Open calculator →EPF contributions and retirement corpus at 8.25%.
Open calculator →15/26 formula, eligibility and the ₹20 lakh limit.
Open calculator →Maturity value and tax at the 7.7% NSC rate.
Open calculator →Sovereign Gold Bond returns, interest and tax.
Open calculator →Nisab check and 2.5% zakat on your savings.
Open calculator →Basic, 60% DA, HRA and TA for any pay level.
Open calculator →Project your new basic with any fitment factor.
Open calculator →Dearness allowance on basic at 60% or any rate.
Open calculator →Lump sum owed after a DA hike or pay revision.
Open calculator →What your salary is worth in purchasing power abroad.
Open calculator →Monthly take-home for popular CTCs, each with a full breakdown.
Most salary pages give you one figure and ask you to trust it. Every calculator here shows the formula, the rule it is based on (Income Tax Act, EPF scheme, Payment of Gratuity Act, small-savings notifications) and each intermediate number, so you can check it against your own payslip.
Roughly 70% to 85% of CTC for most salaries up to ₹13.5 lakh, because employer PF, gratuity, your own PF and professional tax are deducted and the new regime charges no tax up to ₹12 lakh of taxable income. Use the CTC to in-hand calculator for your exact figure.
Yes. They use the FY 2026-27 rules: new-regime slabs unchanged by Budget 2026, ₹75,000 standard deduction, the ₹12 lakh rebate limit with marginal relief, 8.25% EPF interest, 60% DA and the 7.7% NSC rate for October–December 2026.
No. Every calculation runs in your browser and nothing you type is sent to a server.
