Salary, EPF & Retirement CalculatorsFY 2025-26
Six free calculators for the money questions salaried Indians actually ask: what lands in my account, what my PF will be worth, how much I need to stop working, and — if I live abroad — what India can tax. All the maths runs in your browser, and every assumption is spelled out.
CTC to monthly take-home
In-Hand Salary Calculator
Walk the full distance from your offer letter to your bank account: employer PF, gratuity provision, HRA exemption, professional tax by state, and income tax under both regimes.
- → Why is my in-hand so much lower than my CTC?
- → Is employer PF inside or on top of my CTC?
- → Should my basic be 30% or 50%?
PF corpus at 8.25%
EPF Calculator
Project your provident fund year by year using EPFO's own monthly-running-balance method, including the EPS pension diversion and the ₹2.5 lakh interest-taxability line.
- → What will my PF be worth at retirement?
- → Why does only ₹1,250 go to my pension?
- → Is VPF worth it for me?
Your FIRE number and FI age
Retirement & FIRE Planner
Find the corpus that actually funds your retirement, the SIP required to get there, the age work becomes optional, and whether the money lasts to life expectancy.
- → How much do I need to retire in India?
- → Does the 4% rule work here?
- → Have I reached Coast FIRE?
Residency then tax
NRI Salary & Tax Calculator
Settle your residential status under Section 6 — including the 120-day rule and RNOR — then estimate Indian tax on salary, rent, NRO interest and capital gains.
- → Am I an NRI this financial year?
- → Do I get the ₹12 lakh tax-free benefit?
- → Is my NRE interest taxable?
Old vs new regime
Income Tax Calculator
Compare both regimes side by side for FY 2025-26, with surcharge, marginal relief, the 87A rebate and special-rate capital gains handled properly.
- → Which regime is cheaper for me?
- → How much does surcharge add?
- → What is my effective tax rate?
234B/234C interest
Advance Tax Calculator
Check whether advance tax applies to you, size each instalment, and estimate the interest if you have already missed a deadline.
- → Do I need to pay advance tax?
- → What do I owe by 15 March?
- → How much interest have I accrued?
The four things standing between CTC and your bank account
Cost to company is what your employer spends on you for a year. Take-home is what survives after money is diverted into retirement accounts, held back as a future benefit, or paid to the government on your behalf. At mid-to-senior salaries the gap runs to 25-35%, and almost none of it is negotiable once you have signed.
| What is deducted | Roughly how much | Do you get it back? |
|---|---|---|
| Employer EPF | 12% of basic | Yes, at retirement, with 8.25% interest |
| Employee EPF | 12% of basic | Yes, and it counts toward 80C |
| Gratuity provision | 4.81% of basic | Only after 5 years of service |
| Income tax and professional tax | 0-30% plus surcharge; PT capped at ₹2,500 a year | No |
From your first payslip to financial independence
These calculators are designed to be used in sequence rather than in isolation. Each one hands a number to the next.
- 1. Work out what you actually earn. The in-hand salary calculator turns CTC into monthly take-home and tells you which tax regime leaves you better off.
- 2. Check the regime decision properly. The income tax calculator compares old and new regime in detail, including surcharge and capital gains.
- 3. Project the forced savings you already have. The EPF calculator shows what your provident fund grows into, and whether VPF is worth adding.
- 4. Find the finish line. The retirement and FIRE planner takes your EPF projection as a starting corpus and computes what else you need. The FIRE guide covers why Indian inflation and EPF lock-ins change the standard advice.
- 5. If you move abroad, start over with residency. The NRI calculator decides your status first, because that changes which of your income India can tax at all.
FAQ
Which calculator should I use to work out my take-home salary?
Start with the In-Hand Salary Calculator. It converts annual CTC into monthly take-home, handling employer PF, the gratuity provision, HRA exemption, professional tax for your state, and income tax under both regimes. If you only want the tax figure on an income you already know, use the Income Tax Calculator instead.
How much of my CTC do I actually take home in India?
Usually 70-80% at lower salaries and 60-70% at higher ones, since income tax grows as a share of pay as you move up the slabs. The gap comes from four things: employer PF, the gratuity provision, your own PF contribution, and income tax plus professional tax.
Do these calculators use FY 2025-26 tax rules?
Yes. Every tax figure uses FY 2025-26 (AY 2026-27) rules, including the ₹75,000 standard deduction and the Section 87A rebate up to ₹12 lakh of taxable income in the new regime, the revised new-regime slabs, surcharge with marginal relief, and 4% cess.
Are these calculators free, and is my data safe?
They are free with no sign-up. Every calculation runs entirely in your browser, so nothing you type — salary, expenses, day counts — is transmitted to a server or stored anywhere.
Can NRIs use the in-hand salary calculator?
Only for salary that is taxable in India, and even then the NRI Salary & Tax Calculator is the better fit. Non-residents cannot claim the Section 87A rebate or the higher senior-citizen exemption, so a resident-rules calculator will understate the tax. Determine your residential status first.
How do EPF and retirement planning connect?
Your EPF balance is usually the largest single component of an Indian retirement corpus, so project it with the EPF Calculator and then feed that figure into the current-corpus input of the Retirement Planner. Bear in mind that EPF is not freely accessible before retirement, which matters if you are targeting independence in your forties.