salarysaathi

Free calculators, no sign-up

Salary and tax tools, built for India.

Straightforward calculators for salaried employees — no ads cluttering the result, no account needed. Estimates only, not tax advice.

Live · Old regime

HRA exemption calculator

Work out your exempt HRA under Section 10(13A), with the full breakdown shown.

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In-hand salary & PF calculator

CTC to take-home breakdown, including PF and gratuity.

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Old vs. new regime comparator

See which regime actually saves you more, based on your real numbers.

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Gratuity calculator

Estimate your gratuity payout, covered or not under the Act, and check the tax-exempt limit.

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EPF & NPS retirement calculator

Project your EPF maturity corpus and your NPS corpus side by side.

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Section 80C investment planner

Track how much of your ₹1,50,000 80C limit you've used, and what's left.

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Leave encashment calculator

See how much of your leave encashment is exempt under Section 10(10AA).

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TDS on salary calculator

Estimate the monthly TDS your employer should deduct under Section 192.

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Salary hike calculator

See how much your in-hand salary actually increases after a CTC hike.

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Advance tax calculator

Work out your quarterly advance tax installments for freelance, business, or other non-salary income.

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Form 26AS, AIS & TIS reconciliation

Understand why the three don't always match, and what to do about each type of mismatch before filing.

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Capital gains tax calculator

LTCG/STCG tax on listed equity, debt mutual funds, and property, including the property indexation choice.

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Rent vs buy calculator

Compares the real net cost of renting vs buying over time — down payment opportunity cost included.

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NPS Tier 1 vs Tier 2

Compare lock-in, withdrawal rules, and tax treatment, plus a side-by-side contribution projector.

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Freelancer tax calculator

Section 44ADA presumptive taxation — 50% of gross receipts, no books, no expense tracking.