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 and the US, 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
43 free calculators in 6 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).
- 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.
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.
- 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.
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.
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.
- Loan prepaymentSee how much interest you save, and how much sooner you finish, by prepaying your loan.
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.
- Compound interestSee how money grows with compound interest, with optional monthly additions.
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.
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 6 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 or the US 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 and USFY 2026-27 slabs in India, 2026 brackets in the US.
Sources listedEvery tax page shows where its rules come from.
PrivateNothing you type is stored.
Always freeNo paywalls and no premium tier.
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Community
Ask people who've been there
Students, developers, HR teams, recruiters, founders and freelancers answer each other's questions.
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Questions
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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?
Internships, jobs and freelance roles for developers and designers in India, posted by companies in India and abroad. We review each one before it goes live.
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Use the Post a role form. It's free during launch. We check your website and work email, then publish the role for 30 days.
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