Income Calculators India
Take Home, Income Tax, Offer Comparator, and Gratuity calculators for India, in one app.
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Frequently asked questions
Take Home Calculator
What is Gross Salary?
Gross Salary = Basic + HRA + Special Allowance. It does NOT include Employer PF. Enter the figures from your offer letter or payslip.
Why is there a "I know my salary breakdown" toggle?
If you only know your CTC or Gross figure (not the split), turn the toggle off and enter just the Gross. The app will estimate Basic (50%), HRA (25%), and Special Allowance (25%). For accurate results, enter the actual breakdown.
What does "Employee PF rule" mean?
By law, Employee PF = 12% of Basic. Some employers cap the PF-eligible wage at ₹15,000/month (so max PF = ₹1,800/month) even if your Basic is higher. Check your payslip to know which rule your employer follows.
Why does the Take Home calculator always use the New Regime?
The New Regime is the statutory default from FY 2023-24. For a side-by-side Old vs New comparison, use the Income Tax tab which supports both regimes.
Income Tax Calculator
Which financial years are supported?
FY 2025-26 (AY 2026-27) and FY 2026-27 (AY 2027-28). Both use identical slab rates — Budget 2026 made no changes.
Why are my 80C deductions not reducing tax?
You're likely on the New Regime. Switch to Old Regime — Chapter VI-A deductions (80C, 80D, HRA etc.) are only available under the Old Regime.
How is HRA exemption calculated?
Enter the exempt amount directly. The formula (least of: actual HRA, rent paid − 10% of Basic, 50%/40% of Basic) can be complex. We show you the fields but let you enter the final exempt figure to keep things simple.
What is Section 87A rebate?
A tax credit that makes your effective tax zero if your net taxable income is ≤ ₹12,00,000 (New Regime) or ≤ ₹5,00,000 (Old Regime). The app applies this automatically.
Does the app handle capital gains?
Not yet. The current version covers salary, rental income, business income, and interest income. Capital gains (LTCG, STCG) will be added in a future update.
Offer Comparator
How do I compare two job offers?
Open the "Compare Offers" tab, enter the salary breakdown for each offer, and the app shows monthly take-home, annual guaranteed, and annual with variable pay side by side — highlighting which offer pays more on each metric.
Can I compare offers with different PF or PT rules?
Yes. Each offer has its own Employee PF rule and Professional Tax settings, so you can model offers exactly as they are.
Gratuity Calculator
Who is eligible for gratuity?
Employees who have completed at least 5 years of continuous service with the same employer (under the Payment of Gratuity Act, 1972). Some establishments may have more favourable terms in their own policies.
How is gratuity calculated?
(Last drawn monthly salary × 15 × years of service) ÷ 26. "Salary" here means Basic + DA. The app uses this formula.
Is gratuity taxable?
Gratuity up to ₹20,00,000 received from a covered employer is fully exempt under Section 10(10). The app shows the full gratuity amount; consult a tax professional for your specific situation.
Disclaimer
Income Calculators India provides estimates based on publicly available tax rules and salary conventions. Results are for informational purposes only and do not constitute financial, legal, or tax advice. Always verify figures with your employer, the Income Tax Department's official calculator (incometax.gov.in), or a qualified professional before making financial decisions.