India Salary & Income Tax Calculators FY 2025-26
CTC to in-hand salary, income tax old vs new regime, HRA, EPF, GST, and home/car loan EMI—47+ free calculators for Indian salaried professionals. Instant, no signup.
47+ free calculators for Indian salaried professionals: CTC to in-hand salary, income tax old vs new regime, HRA exemption, EPF returns, GST calculator, home/car loan EMI. Updated for FY 2025-26 with ₹75K standard deduction + ₹60K rebate = ZERO tax up to ₹12L.
Which Calculator Do You Need? (FY 2025-26)
- Job offer CTC? → CTC to In-Hand Calculator (HRA, EPF, PT, tax breakup)
- Filing ITR? → Income Tax Calculator (old vs new regime comparison)
- Home loan? → Home Loan EMI Calculator (principal + interest)
- Govt employee? → 8th Pay Commission Calculator (DA, HRA, TA)
- Rent paid? → HRA Calculator (metro vs non-metro exemption)
- Retirement? → EPF Calculator + PPF Calculator
FY 2025-26 Income Tax Highlights
New Regime (Default): ₹75K standard deduction + ₹60K rebate u/s 87A = ₹0 tax up to ₹12L income
- ₹0-4L: 0%, ₹4-8L: 5%, ₹8-12L: 10%, ₹12-16L: 15%
- ₹16-20L: 20%, ₹20-24L: 25%, ₹24L+: 30% + 4% cess
- Old Regime: ₹2.5L exemption + ₹1.5L 80C = ₹4L tax-free
Use our calculators to compare old vs new regime and see exact tax savings.
Income Tax Slabs FY 2025-26 (New vs Old Regime)
| Income Slab | New Regime | Old Regime |
|---|---|---|
| 0 - ₹4L | 0% | 0% |
| ₹4L - ₹8L | 5% | 5% |
| ₹8L - ₹12L | 10% | 20% |
| ₹12L - ₹16L | 15% | 30% |
| ₹16L - ₹20L | 20% | 30% |
| ₹20L - ₹24L | 25% | 30% |
| Above ₹24L | 30% | 30% |
*New regime: ₹75K standard deduction + ₹60,000 rebate u/s 87A = ZERO tax up to ₹12L income. Old regime: ₹2.5L basic exemption, ₹1.5L u/s 80C.
→ Calculate exact tax with deductionsMost Used India Calculators 2026
| Calculator | Monthly Searches | Best For |
|---|---|---|
| Income Tax FY25-26 | 2.4M/mo | Old vs New regime |
| Salary CTC to In-Hand | 1.8M/mo | Salaried employees |
| Loan EMI Calculator | 2.4M/mo | Home/car loans |
| GST Calculator | 823K/mo | Businesses, GST 2.0 |
| SIP Calculator | 550K/mo | Mutual fund planning |
| FD Calculator | 673K/mo | Fixed deposit returns |
| PPF Calculator | 450K/mo | Tax-free savings |
| EPF Calculator | 450K/mo | Provident fund |
| HRA Calculator | 245K/mo | Tax exemption |
| 8th Pay Commission | 320K/mo | Govt employees |
💰 Salary & Pay Calculators
View all salary & pay calculators →India Salary Calculator (CTC to In-Hand FY25-26)
Convert CTC to in-hand salary 2026. HRA, EPF, PT, tax breakup. Old vs new regime.
Calculate →8th Pay Commission Calculator
Government salary under 8th Pay Commission 2026. DA, HRA, TA breakdown + 7th vs 8th CPC comparison.
Calculate →HRA Calculator India 2025-26
HRA exemption under Income Tax Act. Metro vs non-metro. Save tax on rent paid.
Calculate →Gratuity Calculator India
Gratuity under Payment of Gratuity Act: (15 × Salary × Years)/26. ₹20L max limit.
Calculate →EPF Calculator India
EPF balance + maturity with interest. EPS, VPF contributions. Retirement corpus planning.
Calculate →Net Worth Calculator
Calculate personal net worth: assets minus liabilities. Age benchmark comparison.
Calculate →🧾 Tax Calculators
View all tax calculators →India Income Tax FY 2025-26
Old vs new regime comparison. 80C, 80D, HRA deductions. Zero tax up to ₹7L.
Calculate →GST Calculator India
Add/remove GST at 5%, 12%, 18%, 28%. Supports GST 2.0 (40% slab).
Calculate →ESOP Tax Calculator India
ESOP perquisite + capital gains tax FY25-26. STCG vs LTCG for startup employees.
Calculate →CIBIL Score Calculator
Estimate CIBIL score 300-900. Check loan eligibility, interest rate predictions.
Calculate →Credit Card Payoff India
Pay off credit card debt in INR. Interest savings, payoff timeline, avalanche strategy.
Calculate →Gold Price Calculator
Gold value by purity (24K/22K/18K) in INR, grams, tolas. Live price reference.
Calculate →🏠 Loan & EMI Calculators
View all loan & emi calculators →Loan EMI Calculator India
Home, car, personal loan EMI in ₹. Compare SBI/HDFC/ICICI rates. Amortization schedule.
Calculate →Car Loan Calculator
Car loan EMI, total interest, loan term. Includes trade-in and total financing cost.
Calculate →Personal Loan Calculator
Personal loan EMI + repayment schedule. Compare unsecured loan offers.
Calculate →Mortgage Payoff Calculator
Extra payments save thousands on home loan. See early payoff date + interest savings.
Calculate →Loan Payoff Calculator
Pay off loan faster with extra payments. Interest saved + payoff date.
Calculate →Down Payment Calculator
Home down payment at 5%, 10%, 20%. PMI costs, loan amount, closing costs.
Calculate →📈 Investment & Retirement
View all investment & retirement →SIP Calculator
SIP returns on mutual funds 2026. Monthly investment → wealth corpus. Goal planning.
Calculate →FD Calculator India
Fixed deposit maturity: SBI, HDFC, ICICI rates. Quarterly compounding + TDS.
Calculate →PPF Calculator India
PPF 15-year maturity, tax-free returns. Current rate 7.1%. Annual contribution planning.
Calculate →Mutual Fund Calculator
SIP + lumpsum returns. CAGR, XIRR, expense ratio impact. INR/USD/EUR.
Calculate →401k Calculator
401k growth 2026 with employer match, catch-up contributions. Retirement readiness.
Calculate →Pension Calculator
Retirement pension income projection. 4% rule, sustainable monthly withdrawal.
Calculate →🏗️ Real Estate & Utilities
View all real estate & utilities →Solar ROI Calculator India
Solar panel payback 2026. India + US 30% tax credit. 25-year savings report.
Calculate →Roofing Cost Calculator
Roofing cost India + US. Per-square pricing, material vs labour, permits.
Calculate →Concrete Calculator
Concrete volume for slabs, footings, columns. Cubic metres, bags, cost.
Calculate →Painting Calculator
Paint quantity for walls/ceilings. Gallons, primer, coverage area.
Calculate →Business Days Calculator India
Working days between dates, excluding weekends + Indian national holidays.
Calculate →SGPA to CGPA Calculator
Convert semester GPA to CGPA on 10-point scale. Indian university standard.
Calculate →Who Uses These India Calculators?
- • Salaried professionals comparing CTC offers
- • Taxpayers choosing old vs new regime
- • Home buyers planning loan EMI
- • Government employees checking 8th Pay Commission
- • Investors planning SIP, FD, PPF, EPF
- • Students converting CGPA for foreign universities
Built by: Senior software architect. All India tax formulas verified for FY 2025-26 (CBDT rules, RBI guidelines, Payment of Gratuity Act).
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India Income Tax Calculator FY 2025-26
Free India Income Tax Calculator for FY 2025-26 (AY 2026-27). Calculate tax under old and new regime, compare both regimes instantly, maximize deductions under Section 80C (₹1.5L), 80D (₹50K health insurance), 80CCD1B (₹50K NPS). Includes TDS reconciliation, senior citizen benefits, tax planning tips. Know exact tax liability, monthly TDS deduction, and which regime saves more money.
ESOP Tax Calculator India FY 2025-26 AY 2026-27
Free ESOP tax calculator for India FY 2025-26 AY 2026-27. Calculate ESOP perquisite tax and capital gains tax accurately. Calculate short-term vs long-term capital gains, surcharge, and cess. Perfect for startup employees in India. Get detailed breakdown of perquisite tax at exercise and capital gains tax at sale.
Solar ROI Calculator 2026: See Your Exact Break-Even Year (Free PDF)
Free solar ROI calculator 2026. Payback for all 50 US states. 30% ITC, NEM 3.0. Perfect for homeowners.
Mortgage Payoff Calculator with Extra Payments - Save Thousands 2026
Free mortgage payoff calculator 2026. Extra payments, biweekly, lump sums. See interest savings & early payoff date.
Car Loan Calculator
Calculate car loan monthly payments, total interest, and loan term. Compare auto loan rates, include trade-in value, and estimate total vehicle financing costs with taxes and fees.
RV Loan Calculator & Motorhome Payment Estimator
RV loan calculator with EMI, true monthly cost (insurance + registration), gap insurance, trade-in, and amortization. Compare lender types (credit union, bank, online, dealer, RV-specialist), see state-by-state and India regional insights, and plan Class A/B/C motorhomes, travel trailers, and fifth wheels with updated 2025 rates.
Personal Loan Calculator
Calculate personal loan EMI, total interest payable, and repayment schedule. Compare unsecured loan offers, see monthly installments, and plan your debt repayment effectively.
Interest Calculator - Simple & Compound Interest Calculator 2025
Simple + compound interest calculator 2026. INR/USD/EUR — FD, RD, savings, loan interest with daily/monthly/annual compounding.
Salary Calculator India - Calculate In-Hand Salary from CTC 2025-26
Free India salary calculator and in-hand salary calculator to convert CTC to salary. Professional tax calculator with tax regime comparison India. Calculate HRA exemption, Section 80C deduction, and detailed monthly & annual breakup with income tax, PF, and professional tax. Compare old vs new tax regime instantly for FY 2025-26.
8th Pay Commission Salary Calculator (India)
Free 8th Pay Commission salary calculator for India. Calculate your salary with DA (Dearness Allowance), HRA (House Rent Allowance), TA (Travel Allowance) breakdown. Compare 7th vs 8th CPC salary hike percentage. Get detailed monthly and annual salary structure with pay matrix levels. Calculate government employee salary under 8th Pay Commission.
HRA Calculator India 2025-26
Free HRA calculator to calculate house rent allowance exemption and taxable HRA as per Income Tax Act. Calculate tax savings on HRA for metro and non-metro cities. Get instant HRA calculation with detailed breakdown, PDF download, and WhatsApp sharing.
Gratuity Calculator India 2025-2026
Free gratuity calculator India online to calculate gratuity amount instantly. Uses Payment of Gratuity Act formula: (Salary × 15 × Years) / 26. Check eligibility (5 years service), ₹20 lakh max limit for private sector, tax exemption, and get PDF report. Supports government, PSU, and private employees.
EPF Calculator India 2025-26 - Calculate Employee Provident Fund Balance & Maturity
Free EPF calculator to calculate your provident fund balance, maturity amount, and contributions. Get detailed year-wise breakdown with interest earned. Calculate EPF, EPS, and VPF contributions instantly. Plan your retirement savings with EPF maturity calculator.
Compound Interest Calculator
Calculate compound interest on investments with daily, monthly, quarterly, or annual compounding. See how your savings grow over time with interest-on-interest calculations and detailed charts.
Investment Calculator
Calculate investment returns, growth, and future value with compound interest. Analyze lump sum investments, SIP, or recurring deposits with inflation adjustment and tax implications.
Stock Calculator
Calculate stock profit, loss, return percentage, and capital gains. Analyze buy/sell prices, quantity, brokerage fees, and taxes for accurate stock trading calculations.
Cryptocurrency Calculator
Calculate crypto investment returns, conversions, and profit/loss. Track Bitcoin, Ethereum, and altcoin portfolio value with real-time price data and trading fee calculations.
401k Calculator
Free 401k calculator 2026. Employer match, contribution limits, catch-up. See retirement readiness & 4% rule income.
GST Calculator
Calculate GST (Goods and Services Tax) for purchases and sales. Add or remove GST at 0%, 5%, 12%, 18%, 28%, or 40% rates (GST 2.0). Perfect for Indian businesses and invoice calculations.
SIP Calculator
Calculate Systematic Investment Plan (SIP) returns in mutual funds. Estimate wealth accumulation with monthly SIP investments, expected returns, and investment duration for goal-based planning.
Markup Calculator
Calculate markup percentage, selling price, and profit from cost. Determine retail pricing strategy with gross profit calculations for business and ecommerce.
Margin Calculator
Calculate profit margin, gross margin, and net margin percentages. Analyze business profitability with revenue, cost, and markup calculations for pricing decisions.
Loan EMI Calculator India
Calculate monthly EMI for home loans, personal loans, car loans in India (₹ INR). Get amortization schedule, prepayment insights, tax benefits under Section 80C & 24, and compare SBI, HDFC, ICICI, Axis Bank rates.
VAT Calculator
Calculate Value Added Tax (VAT) for goods and services. Add or remove VAT at standard, reduced, or zero rates for UK, EU, and international VAT calculations.
Bitcoin Calculator
Calculate Bitcoin investment value, profit/loss, and conversions to USD, EUR, INR. Track BTC holdings, mining profitability, and satoshi conversions with live prices.
Loan Payoff Calculator
Calculate when you will pay off your loan with extra payments. Estimate interest savings, payoff date, and accelerated payment schedule to become debt-free faster.
Debt Payoff Calculator
Create debt payoff plan using snowball or avalanche method. Calculate how long to pay off multiple debts, total interest saved, and optimal payment strategy for debt freedom.
Credit Card Payoff Calculator 2025 | Debt Freedom Date Calculator
Credit card debt payoff calculator 2026. Payoff date, total interest, snowball vs avalanche, balance transfer comparison.
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भारत में क्रेडिट कार्ड ऋण का भुगतान कितने समय में होगा, यह जानें। Calculate payoff timeline in INR. ब्याज की गणना करें और तेज़ी से भुगतान करने की रणनीतियाँ देखें।
CIBIL Score Calculator India | Credit Score & Loan Eligibility Checker
Estimate CIBIL score 300-900 instantly. Loan eligibility, interest rate prediction, personalised tips to improve credit score.
Net Worth Calculator | Calculate & Track Your Personal Net Worth
Free net worth calculator to calculate your personal net worth instantly. Track assets and liabilities, compare to age benchmarks, and plan your financial future. See breakdowns by category, age comparisons, and get personalized insights.
Pension Calculator - Multi-Currency Retirement Income Planner 2025
Retirement pension income projection 2026. 4% rule, sustainable monthly withdrawal — INR, USD, EUR. India + global.
Gold Price Calculator
Calculate gold value by weight and purity (24K, 22K, 18K). Convert grams, ounces, and tolas to current market price in USD, INR, or other currencies for jewelry and investment.
Mutual Fund Calculator
Advanced mutual fund calculator with multi-currency support (INR/USD/EUR). Calculate SIP returns, lump sum investments, CAGR, XIRR, NAV growth, expense ratio impact, and year-by-year breakdown. Compare fund performance and optimize your investment strategy.
PPF Calculator
Calculate Public Provident Fund (PPF) returns, maturity amount, and interest earnings. Plan 15-year investment with current PPF rates and tax-free returns for India.
Commission Calculator
Calculate sales commission, earnings, and percentage rates. Compute tiered commissions, referral fees, and affiliate payouts for sales professionals and businesses.
Stocks ROI Calculator
Calculate return on investment (ROI) for stocks with dividends, capital gains, and holding period. Analyze stock performance, annualized returns, and total investment profit.
FD Calculator
Calculate Fixed Deposit maturity amount, interest earned, and returns for Indian banks. Compare SBI, HDFC, ICICI FD rates with quarterly compounding. Get accurate FD calculations with TDS details for tax planning in India.
APR Calculator
Calculate Annual Percentage Rate (APR) for loans, credit cards, and mortgages. Compare APR vs interest rate, include fees, and determine true cost of borrowing.
SGPA to CGPA Calculator
Free SGPA to CGPA calculator for Indian students. Calculate your cumulative CGPA from semester GPAs instantly. Supports 10-point scale, shows grade interpretation, percentage equivalent, and semester-by-semester breakdown.
CGPA to GPA Converter
Free CGPA to GPA converter for Indian students applying to US/UK universities. Convert your 10-point CGPA to 4.0 GPA scale instantly. Includes university-specific conversions (MIT, Stanford, UT Austin), percentage equivalent, and grade interpretation.
Down Payment Calculator
Calculate down payment needed for home purchase at 3%, 5%, 10%, or 20%. Determine PMI costs, loan amount, and closing costs for different down payment scenarios.
Concrete Calculator
Calculate concrete needed for slabs, footings, columns, and driveways. Estimate cubic yards, bags, and cost for construction projects with concrete volume calculations.
Home Loan EMI Calculator (India)
Calculate home loan EMI, total interest, and amortization for India (₹). Compare tenure and rates, model prepayments, and see Section 24/80C context. For US loans with taxes and insurance (PITI), use the finance mortgage calculator.
Painting Calculator
Calculate paint needed for walls, ceilings, and rooms. Estimate gallons of paint, primer, and total coverage area for interior and exterior painting projects.
Roofing Cost Calculator
Roofing cost calculator for US and India with pitch multipliers, per-square pricing, material vs labor breakdown, removal, and permits.
Business Days Calculator India
Count working days between two dates excluding weekends and Indian national holidays with custom holiday support.
India Salary & Tax FAQs (FY 2025-26)
How is CTC converted to in-hand salary?
CTC minus EPF (12%), PT (₹200-750), income tax, HRA adjustment = in-hand. Use our CTC to In-Hand Calculator for exact monthly/annual breakup including old vs new tax regime.
HRA exemption metro vs non-metro (FY 2025-26)?
Metro (50% basic+DA): Delhi, Mumbai, Chennai, Kolkata. Non-metro (40%). Least of: actual rent paid, HRA received, 50%/40% basic+DA. Use our HRA Calculator.
Zero tax up to ₹12L in new regime?
Yes! FY 2025-26 new regime: ₹75K standard deduction + ₹60K rebate u/s 87A = ₹0 tax up to ₹12L income. Use Income Tax Calculator old vs new comparison.
8th Pay Commission salary increase?
Expected 30-34% hike over 7th CPC. DA merger + fitment factor 2.86. Basic pay, HRA, TA recalculated. Use our 8th Pay Commission Calculator.
EPF interest rate 2026?
8.25% p.a. (employee+employer 12% each). Tax-free up to ₹1.5L/year. Use EPF Calculator for retirement corpus projection.
GST rates India 2026?
5%, 12%, 18%, 28% (40% sin goods). Use GST Calculator to add/remove GST instantly.