India
India calculators
With the values in force in India, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Official sources
- 10 official documents
Pay and work
- In-hand salary calculator from CTCYour CTC is what you cost the company, not what reaches your bank. Enter it here and see your take-home pay a month, line by line.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Taxes
- Income tax calculator 2026-27: new vs old regimeEnter your salary and other income and see your tax under both regimes side by side, with cess, rebate and surcharge already worked in.
- GST calculatorEnter a price, pick the GST rate and see the tax and the final amount, split into CGST and SGST or shown as IGST.
Money and indexes
Money and indexes
Loans, savings and investing
- EMI calculator for home, car and personal loansAn EMI (equated monthly instalment) is the fixed amount you pay the bank every month until the loan is repaid. Part of it is interest and part is principal.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the down payment invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- HRA exemption calculator 2026-27If you live in a rented home and your salary includes house rent allowance, part of it can be tax free. Enter your numbers and see how much.
- Gratuity calculatorGratuity is a lump sum your employer pays when you leave after years of service. Enter your last wages and your years, and see the amount.
- SIP calculatorA systematic investment plan (SIP) puts a fixed amount into a mutual fund every month. Enter your SIP, the return you expect and the number of years.
- Capital gains tax calculator for shares and mutual fundsEnter your short-term and long-term gains from listed shares and equity mutual funds for the tax year, and see the tax with cess.
- Advance tax calculator 2026-27If TDS does not cover your tax, you pay the rest during the year in instalments. Enter your estimated tax and TDS to get each payment.
- PPF calculatorThe Public Provident Fund is a 15-year government savings scheme at the post office or a bank. Enter how much you deposit each year and see the maturity value.
- Sukanya Samriddhi Yojana calculatorSukanya Samriddhi Yojana is a savings scheme for a girl child. A parent or guardian opens the account before she turns 10 and deposits every year.
- NSC calculatorThe National Savings Certificate (VIII Issue) is a five-year deposit sold at post offices. Enter the amount and see what you get at maturity.
- SCSS calculatorThe Senior Citizens Savings Scheme pays interest every quarter on a deposit kept for five years. Enter the amount to see your quarterly payout.
- Post Office MIS calculatorThe Post Office Monthly Income Scheme pays you interest every month on a lump sum. Enter the amount to see your monthly and yearly income.
- Post Office RD calculatorA post office recurring deposit lets you save a fixed amount every month for five years. Enter your monthly deposit to see the maturity value.
- KVP calculatorKisan Vikas Patra is a post office certificate that doubles the amount you invest. Enter the amount to see the maturity value and when you get it.