Salary calculators that show the full payslip, not one number
In-hand pay, income tax, HRA, gratuity and regime comparison — built on the tax year 2026–27 slabs and the actual CTC structure, with the working visible.
All Salary & Tax calculators
Enter your annual CTC and get the monthly amount that actually reaches your bank account — with employer PF…
Open calculatorTurn a hike percentage into the actual new CTC, annual increase and monthly difference — the arithmetic your offer…
Open calculatorEnter basic, DA, HRA received and rent paid to get the exempt HRA — the least of the three Schedule III, Sl. 11…
Open calculatorEnter your last monthly basic and DA and your years of service to get gratuity under the Payment of Gratuity Act —…
Open calculatorEnter salary and other income to estimate tax year 2026–27 tax under the new regime — with the exact slabs…
Open calculatorRun the same salary through both tax year 2026–27 regimes and see which one costs less — with HRA exemption…
Open calculatorEnter basic pay plus DA, your age and your current balance to estimate your provident fund at retirement — with…
Open calculatorEnter your yearly salary and the tax already deducted to see how much your employer should deduct each remaining…
Open calculatorWhat this vertical covers
A salary number only means something when you know which salary it is. CTC includes employer PF and gratuity, gross salary is what the offer letter calls salary, and take-home is what reaches the bank after PF, professional tax and TDS. These calculators keep the three separate.
Every page is dated and sourced. Income tax uses the tax year 2026–27 new-regime slabs with the Rs 75,000 standard deduction, the section 156 rebate, surcharge and 4% cess shown as separate lines. HRA shows the three section 11 and Schedule III tests, gratuity applies the Payment of Gratuity Act formula, and the old-vs-new comparison runs the same income through both regimes.
Worth knowing before you calculate
Employer PF and gratuity sit inside CTC
Employer PF (12% of basic) and gratuity provision (4.81% of basic) are costs to the company, not money in your bank. The in-hand calculator removes them before it starts.
Rs 12.75 lakh salary can mean zero tax
Under the tax year 2026–27 new regime, a Rs 75,000 standard deduction plus the section 156 rebate can wipe out tax on salary up to about Rs 12,75,000. The calculator shows the rebate line.
HRA and gratuity are not in the new regime
HRA exemption under section 11 and Schedule III exists only in the old regime. Gratuity is handled by the Payment of Gratuity Act and section 19 of the Income-tax Act, 2025 (Table, Sl. Nos. 3–6), not by the income-tax slab choice.
Salary & Tax — frequently asked questions
Which salary calculator should I use first?+
Are the income tax slabs for tax year 2026–27 the same as last year?+
Is HRA exemption available under the new tax regime?+
How is gratuity calculated in India?+
Do these calculators work for government employees?+
Every calculator, dated and sourced.
Each calculator on this page is generated from one verified record: its inputs, formula, tests, sources and the date the numbers were checked. When an official rate changes, the record changes and the page is rebuilt with a new verified date.
Sources for this vertical
This hub
- Last verified: 29 October 2026
- Calculators live: 8
- Read the methodology
How we handle errors
- Spotted a mistake? Report it — we correct and log it.
- Each page keeps its own changelog.
- See the disclaimer.