What do I actually take home?
See exactly where your CTC goes, which tax regime saves you more, and how much HRA you can claim.
In-hand salary
Turn your CTC into the amount that reaches your bank each month.
OpenIncome tax (old vs new)
Your income tax under both regimes — and which one saves more.
OpenHRA exemption
How much of your house rent allowance is tax-free.
OpenEPF calculator
Your provident fund at retirement — your share, employer’s and interest.
OpenGratuity calculator
What your employer owes you when you leave after 5+ years.
OpenGST calculator
Add GST to a price or take it out, with the CGST/SGST split.
OpenCommon questions, already worked out
Guides that explain the why
The new tax regime, explained in five minutes
How the FY 2026-27 slabs actually work, why ₹12.75 lakh of salary is tax-free, and what you can and can’t claim.
CTC vs in-hand — where your salary actually goes
Your offer says ₹15 lakh. Your bank sees about ₹1.1 lakh a month. Here’s every rupee in between, and what you can change.
Old vs new regime — who should still choose old?
The old regime only wins above a certain level of deductions. See that line for every salary, and the profiles that cross it.