India Calculators

Free financial calculators built for the Indian context. Indian tax rules, Indian savings instruments, Indian payroll structures. The calculators most sites build assume U.S. tax brackets, American retirement accounts, and 401(k) limits; none of that helps if you are working out your PF contribution, your HRA exemption, or what your 15-year PPF actually compounds to.

What you can do here

Salary and taxation

The Salary Calculator India converts your CTC to in-hand salary, breaking down basic, HRA, PF contribution, professional tax, and income tax. Shows both old and new tax regimes side by side. The Income Tax Calculator computes tax under both regimes for FY 2025-26 including 80C, 80D, and 87A rebate. The HRA Calculator computes your house rent allowance exemption under Section 10(13A).

Investments and savings

The SIP Calculator shows future value of monthly SIP contributions at any expected return, with year-by-year breakdown. The FD Calculator handles both cumulative and non-cumulative fixed deposits. The RD Calculator computes recurring deposit maturity. The PPF Calculator runs the 15-year Public Provident Fund with current rates. The NPS Calculator estimates corpus at retirement and converts to monthly annuity.

Loans and retirement

The EMI Calculator computes monthly installments for home, car, personal, and education loans with full amortization schedule showing interest versus principal every month. The Gratuity Calculator computes gratuity under the Payment of Gratuity Act 1972 for both organized and unorganized sector. The EPF Calculator projects Employee Provident Fund corpus at retirement.

GST and number conversion

The GST Calculator handles both GST-inclusive and GST-exclusive prices across all slab rates (5%, 12%, 18%, 28%) and splits into CGST, SGST, and IGST. The Lakh-Crore Converter converts between the Indian numbering system (lakh, crore) and the international system (million, billion), which comes up any time you read a news story quoting numbers in either format.

Why old vs new regime matters

The new tax regime introduced in 2020 (and revised in every budget since) offers lower slab rates in exchange for giving up most deductions. Which regime saves you more depends on how much you claim under 80C, 80D, HRA, and home loan interest. For someone with no deductions, the new regime almost always wins. For someone maxing out 80C and claiming HRA, the old regime often wins. Our Income Tax Calculator runs both and tells you which saves more given your specific inputs.

These calculators use the tax rates and investment rules in effect as of the current financial year. Tax rules change every February budget. For decisions involving tax filing or large investments, cross-check against the latest notification or consult a CA.

Frequently asked questions

Which calculator should I use first if I just got a new job offer?

Start with the Salary Calculator India to see what CTC converts to in-hand. Then use the Income Tax Calculator to verify the tax estimate under both regimes. Then use the SIP Calculator to plan what you can invest monthly from the in-hand number.

Are the interest rates on PPF and EPF current?

Yes. We update the default rates whenever the government revises them (quarterly for PPF, annually for EPF). You can also override the rate on any calculator to model a different assumption.

Do these calculators reflect FY 2025-26 tax rules?

Yes. All India tax tools are current as of April 2026 and reflect the Budget 2025 changes including the revised new regime slabs.