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17 free calculators · no sign-inCalculators

Work it out on your numbersCalculators for salaried India

17 free calculators, no sign-up. They take your figures and show the working — they never supply a rate of return.

Salary & tax

CTC to in-handCTC to take-home after PF, tax and PT.8.5 LPA is about ₹62,133 a month in hand — CTC to take-home after PF, tax and PT.Old vs new regimeBoth regimes side by side on your salary.FY 2026-27 tax regime calculator — enter salary and deductions, see new vs old tax side by side.HRA exemptionThe least-of-three rule, computed.How much of your HRA is tax-free — the least-of-three rule, computed instantly.Advance taxEach instalment and its due date.Tax year 2026-27 — each instalment, its due date, and whether any advance tax is due at all.

Loans & EMI

EMIWhat a loan costs a month, and over its life.₹50 lakh at 8.5% for 20 years is ₹43,391 a month — enter any amount, rate and tenure.PrepaymentWhat a lump sum saves in interest.What a lump sum or extra EMI saves in interest — reduce the EMI or the tenure, side by side.AmortizationEvery EMI split into interest and principal.Every EMI split into interest and principal, with the balance left — by year or by month.Debt-free dateThe month your loan clears.When will I be debt free? The month your loan clears, and how extra payments bring it forward.

Home & rent

Home I can affordWhich limit binds: income or deposit.How much home your salary and savings buy — and which of the two is the limit.Rent vs buyThe year the two lines cross.True cost of renting vs buying a home, counting the equity you build.Home buying costEverything on top of the price.What a home costs beyond its price — stamp duty, registration, brokerage, interiors, interest and upkeep.

Save & plan

Monthly savingWhat a monthly amount grows to, at your rate.See how your monthly SIP grows over time, at the return you assume.FD maturityWhat a deposit is worth at maturity.What a fixed deposit is worth at maturity — quarterly compounding, at the rate your bank offers.Emergency fundA 3, 6, 9 or 12-month target.How much emergency fund you need — a 3, 6, 9 or 12-month target from your essential monthly expenses.RetirementThe corpus your spending needs.The corpus your spending needs, with inflation — and when your savings reach it, at the return you assume.

Changing jobs

GratuityWhat you are owed when you leave.What you are owed when you leave — Code wages, the 5-year / 1-year rule, and the ₹20L ceiling.Life coverWhat your family would need, and the gap.What your family would need if your income stopped, what they would have, and the gap — no rule of thumb.

Calculators never assume a rate of growth for you — any return box starts blank.