Salary
Will I pay income tax?
₹94,130 tax a year
₹1,13,356 a month in hand
New regime, FY 2026-27, basic at 50% and capped PF.
Free · No sign-up · Updated for 2026 tax rules
Know what you'll really take home.
Salary, tax, loan and savings calculators for working professionals and freelancers in India, the US and Australia, with the maths explained.
Show amounts for
₹
₹12 lakh
Estimated monthly in-hand
₹96,200
After PF ₹1,800, tax ₹0 and professional tax, a month. New regime, FY 2026-27.
See the full breakdownCalculators by category
80 free calculators in 8 categories. Open a category to see each one explained.
Salary and tax
Work out what you really take home, how much income tax you pay under India's FY 2026-27 slabs or the US 2026 federal brackets, and whether the old or new regime suits you.
- CTC to in-hand salaryTurn your CTC into monthly take-home pay after PF, professional tax and income tax, for FY 2026-27.
- Income taxWork out income tax for FY 2026-27 under both regimes, with the rebate, surcharge and cess shown step by step.
- US federal income taxWork out US federal income tax for 2026 by filing status, with the standard deduction, pre-tax 401(k) contributions and tax in each bracket.
- US paycheckTurn a US salary into take-home pay per paycheck for 2026, after federal income tax, Social Security, Medicare, state tax and 401(k).
- Australian take-home payTurn an Australian salary into take-home pay per week, fortnight or month for 2026-27, after income tax, the Medicare levy and any HELP repayment, with super shown.
- Australian income taxWork out your Australian income tax for 2026-27, bracket by bracket, with the low income tax offset, Medicare levy and HELP repayment shown.
- Hourly to salaryTurn an hourly wage into a yearly salary, including overtime at time and a half, then see take-home pay after 2026 federal tax, FICA and state tax.
- Old vs new tax regimeFind which tax regime saves more for your salary, and how much in deductions you'd need for the old regime to win.
- HRA exemptionFind your tax-free HRA under the old regime, using the 2026 rule that adds Bengaluru, Hyderabad, Pune and Ahmedabad as metros.
- EPFEstimate your EPF balance at retirement from your basic pay, salary growth and the current 8.25% interest rate.
- State income tax (US)Work out your 2026 state income tax in any US state or DC with real brackets, deductions and exemptions, then see the same salary taxed in all 51.
- Casual vs permanent (Australia)Compare a casual job with 25% loading against the same job as permanent in Australia, after tax and unpaid leave, with super and the break-even loading.
- Salary breakupSplit your CTC into basic pay, HRA, special allowance, PF and gratuity, see a monthly salary slip, and check it meets the labour code 50% wage rule.
- Tax refund (Australia)Estimate your Australian tax refund for 2025-26 or 2026-27 from your income statement, work-from-home hours, deductions and HELP debt.
- Novated lease (Australia)See what a novated lease on an electric car saves you in 2026-27 compared with a car loan, from pre-tax pay, GST savings and the FBT exemption.
Freelance and payments
Price your work, estimate tax under the presumptive scheme, add or remove GST, and see how much of a dollar payment actually reaches your bank.
- Freelance hourly rateFind the hourly rate you need to charge, in rupees and dollars, to reach your take-home goal after tax and costs.
- Section 44ADA taxEstimate tax for freelancers and consultants using the 50% presumptive scheme, with the ₹50 lakh and ₹75 lakh limits.
- USD to INR after feesSee how many rupees reach your bank from a dollar payment after transfer fees and exchange-rate markup, and compare two options.
- GSTAdd or remove GST at any rate, with the CGST and SGST or IGST split, plus the rules for freelancers billing clients abroad.
- US self-employment taxWork out US self-employment tax and federal income tax on 1099 or freelance profit for 2026, and how much to pay each quarter.
- Contractor day rate (Australia)Turn an employee salary into the day and hourly rate you need as an ABN contractor in Australia, covering super, unpaid leave, business costs and GST.
- W-2 vs 1099Compare a W-2 salary with a 1099 contract rate after self-employment tax, benefits, the 401(k) match and unpaid time off, and find the hourly rate that breaks even.
- Hourly to yearly salaryConvert pay between hourly, daily, weekly, monthly and yearly, in rupees or dollars.
- IST to US time overlapSee how many working hours overlap between India and a US team, with daylight saving handled for any date.
- Advance taxWork out advance tax for 2026-27 as an Indian freelancer, under 44ADA or on actual profit, with each due date and the interest on any missed instalment.
- Quarterly estimated tax (US)Work out quarterly estimated tax payments for 2026 as a 1099 contractor or freelancer, with due dates and the safe harbor that avoids the IRS penalty.
Job switch
Changing jobs is when the biggest salary decisions happen. These calculators turn CTC figures into monthly take-home pay, so you can compare offers fairly and negotiate with real numbers.
- Compare job offersCompare two job offers by fixed monthly in-hand pay, variable pay and first-year total, not just CTC.
- Salary hikeWork out a hike percentage or your new salary, and see how much more you'll actually take home each month.
- Notice period buyoutEstimate what it costs to buy out the rest of your notice period, based on basic or gross pay.
- GratuityCalculate gratuity with the 15/26 formula, check if you're eligible after 5 years, and see how much is tax-free.
- Remote offer converterCompare a remote offer paid in US dollars with a local job in India or Australia, after transfer fees, tax, PF or super, as a contractor or through an employer of record.
- Leave encashmentWork out leave encashment when you resign or retire, the tax-free part under the ₹25 lakh limit, and the tax on the rest for 2026-27.
- Redundancy pay (Australia)Work out redundancy pay under the National Employment Standards, notice, unused leave and the 2026-27 tax-free limit, and what you take home.
- Relocation salarySee what salary you'd need in another city to live as well as you do now, after income tax and rent, for 18 cities across India, the US and Australia.
Loans and EMI
See your EMI, the total interest you'll pay and how the balance falls each year. Then check how much a prepayment saves, and whether to cut the EMI or the tenure.
- EMIWork out the monthly payment (EMI), total interest and year-by-year balance for any loan, in rupees or dollars.
- Home loan EMISee your home loan EMI or US mortgage payment, total interest and how much you still owe each year.
- Personal loan EMIFind the EMI and total cost of a personal loan before you borrow.
- Car and bike loan EMIWork out the monthly payment and total interest on a car, bike or auto loan.
- Education loan EMISee your education loan EMI after the moratorium, including interest that builds up while you study.
- US mortgage paymentSee your full monthly US mortgage payment: principal and interest, property tax, homeowners insurance, PMI and HOA dues, and when PMI ends.
- Student loan payoffWork out your monthly student loan payment and total interest, and see how much time and money extra payments save, with 2026-27 federal loan rates.
- HECS-HELP repaymentWork out your compulsory HECS-HELP repayment for 2026-27, how long until your study loan is paid off, and how much voluntary repayments save in indexation.
- Borrowing power (Australia)Estimate how much an Australian lender may let you borrow for a home loan, using your take-home pay, living costs, debts and APRA's 3% serviceability buffer.
- Loan prepaymentSee how much interest you save, and how much sooner you finish, by prepaying your loan.
- Stamp duty (Australia)Work out stamp duty on a home or investment in any Australian state or territory, with 2026 first home buyer concessions and foreign surcharges, and compare all eight.
- Home loan eligibilitySee how much home loan you can get on your salary in India, from your take-home pay, existing EMIs, interest rate and tenure, within RBI's loan-to-value limits.
- Rent vs buy (US)Compare buying a home with renting and investing the difference, with today's mortgage rates, property tax, maintenance and selling costs, and see the break-even year.
Savings and investing
Project mutual fund SIPs and lumpsums, and the maturity value of government schemes such as PPF, Sukanya Samriddhi and Post Office MIS.
- SIPEstimate what a monthly SIP or regular monthly investment could grow to.
- Step-up SIPSee how raising your SIP every year, in line with your pay, grows your money.
- LumpsumSee what a one-time investment could grow to over time.
- SWPSee how long your money lasts with fixed monthly withdrawals.
- PPFWork out your PPF maturity value at the current 7.1% rate, with yearly deposits up to ₹1.5 lakh.
- FDFind your FD maturity value, or the monthly and quarterly interest payout.
- RDSee what a monthly recurring deposit grows to, using quarterly compounding.
- NPSEstimate your NPS corpus, the lump sum you can take under the 2025 exit rules, and your monthly pension.
- Sukanya SamriddhiWork out your daughter's Sukanya Samriddhi maturity value at the current 8.2% rate.
- Post Office MISSee the monthly income from the Post Office Monthly Income Scheme at 7.4%.
- 401(k)Project your 401(k) balance at retirement with your contributions, your employer's match, pay raises and the 2026 IRS limits.
- Super balance (Australia)Project your Australian super balance at retirement from your salary, 12% employer super, salary sacrifice and returns, in future and today's dollars.
- Roth vs traditionalCompare Roth and traditional 401(k) or IRA contributions to see which leaves you more to spend in retirement, based on your tax rate now and later.
- Compound interestSee how money grows with compound interest, with optional monthly additions.
- Capital gains taxWork out tax on selling shares, mutual funds, gold or property in India for 2026-27, with the ₹1.25 lakh equity exemption, 12.5% LTCG and 20% STCG.
- Capital gains tax (US)Work out 2026 federal and state tax on selling stocks, funds or property in the US, with the 0%, 15% and 20% long-term rates, short-term gains and the 3.8% NIIT.
- HSA (US)See how much tax a Health Savings Account saves you in 2026 and what it could grow to, with the $4,400 and $8,750 limits and state rules.
Money planning
Set a budget, build an emergency fund, plan for big goals and see how inflation changes what you'll need. If you're aiming to retire early, the FIRE calculator estimates the corpus and monthly investment.
- CAGRFind the yearly growth rate between a start and end value.
- InflationSee what something will cost in the future, and what money will be worth, with inflation.
- Emergency fundFind how big your emergency fund should be and how long it'll take to build.
- FIRE (early retirement)Find the corpus you need to retire early and the monthly investment to get there.
- 50/30/20 budgetSplit your monthly take-home into needs, wants and savings.
- Savings goalFind the monthly investment you need for a goal like a car, house down payment or course.
Time and hours
Add up the hours you worked, turn minutes into decimal hours for payroll or invoices, convert 24-hour time, and log billable hours and work-from-home days.
- Time cardAdd up a week of start and end times, minus breaks, to get total hours, overtime and gross pay, with overtime rules for the US, Australia and India.
- Time durationFind the hours and minutes between two times, including overnight shifts, with an optional break, in hours and minutes, decimal hours, minutes and seconds.
- Decimal hoursConvert hours and minutes to decimal hours and back, for payroll, timesheets and invoices, with a minutes-to-decimal chart.
- Military timeConvert 12-hour AM/PM time to 24-hour military time and back, with how to say it and a chart of every hour.
- Billable hours timesheetLog billable and non-billable hours by client and task, see totals, utilization and what to invoice, then download a CSV for Excel or Google Sheets.
- Work from home trackerLog work-from-home, office and leave days on a calendar, check a hybrid office target, and total WFH hours for the year, with the Australian 70c an hour deduction.
- Time zone overlapFind the working hours shared by teams in India, US and Australian cities and London, for two or three locations, with daylight saving on any date.
Hiring and payroll
A salary is only part of what a hire costs. See employer PF and gratuity in India, payroll taxes and benefits in the US, and super and on-costs in Australia, then turn it into an hourly rate you can price work with.
- Employee costWork out what an employee really costs in India, the US or Australia: salary plus PF and gratuity, payroll taxes and benefits, or super and on-costs.
- Burdened rateFind the fully burdened cost of an hour of an employee's time, including payroll taxes, benefits and overhead, and the bill rate you need for your margin.
- FTETurn a mix of full-time and part-time hours into full-time equivalents (FTE), using 40, 38 or 48 hours as a full-time week.
Try it in 10 seconds
Drag a slider and watch the answer change. These use the same maths as the full calculators.
Investing
What could my SIP become?
₹50.5 lakh at 12% a year
You invest ₹18 lakh Gains ₹32.5 lakh
Loans
What will my home loan EMI be?
₹43,391 a month at 8.5%
Loan ₹50 lakh Interest ₹54.1 lakh
How it works
No accounts and no forms to fill in. Every calculator works the same simple way, and every result comes with the method behind it.
Results are estimates, not tax or financial advice. For your own return, talk to a chartered accountant.
Pick a calculator
Choose from 8 categories, from in-hand salary and income tax to EMIs, SIPs and early retirement.
Enter your numbers
Results update as you type. Everything runs in your browser, so your salary or loan details are never sent anywhere.
Read the result and the working
See the breakdown, the formula and worked examples, using this year's rules for India, the US or Australia and the sources listed on the page.
Get a second opinion
Still unsure? Ask professionals who've made the same decision in Gleexa Community, linked below.
India, US and AustraliaFY 2026-27 slabs in India, 2026 brackets in the US, 2026-27 rates in Australia.
Sources listedEvery tax page shows where its rules come from.
PrivateNothing you type is stored.
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Are the calculators free?
Yes. Every calculator is free, with no sign-up. Your numbers are worked out in your browser and never sent to us.
How up to date are the tax figures?
Indian tax calculators follow FY 2026-27 rules after Budget 2026, including the Income-tax Rules, 2026. The US federal income tax calculator uses the IRS figures for tax year 2026. Savings-scheme calculators use the current quarter's government rates. Each page lists its sources.
Can I rely on the results for my tax return?
They're careful estimates, tested against published worked examples, but your situation may have details we don't cover. For your return, check with a chartered accountant in India or a CPA in the US.
Do the calculators work for the US?
Yes. Loan, investing, planning and salary-raise calculators work for both countries: pick India or US at the top of the page and amounts, starting values and notes switch over. Tax calculators follow one country's rules, which each page states, and there's a US federal income tax calculator.
What are the remote roles?
Remote jobs, internships and freelance roles for developers and designers in India, the US and Australia. Some are posted here by employers; others come from company careers pages and trusted remote job boards, with the source shown. We review each one before it goes live, and imported roles close here when they close at the source.
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