🧾 Tax & Salary Calculators
Income tax (old vs new), in-hand salary, HRA, capital gains, GST and gratuity.
Income Tax CalculatorCompare your tax under the old and new regimes for Tax Year 2026-27, and find out which one saves you more.Salary Calculator (CTC to In-hand)Turn your CTC offer into a realistic monthly take-home salary, with a full breakup.HRA CalculatorWork out how much of your House Rent Allowance is tax-free under the old regime.Capital Gains Tax CalculatorEstimate the tax on profits from shares, mutual funds, gold or property.GST CalculatorAdd GST to a base price, or work out the GST inside an inclusive price, with the CGST/SGST split.Gratuity CalculatorCalculate the gratuity you will receive when you leave or retire.
Quick answers
- Income Tax Calculator
- For Tax Year 2026-27 (FY 2026-27), income up to ₹12 lakh is tax-free under the new regime. For salaried people, that is ₹12.75 lakh of salary, thanks to the ₹75,000 standard deduction and the ₹60,000 rebate. On a ₹15 lakh salary, new-regime tax is ₹97,500, compared with ₹2,02,800 under the old regime even with full 80C and ₹25,000 of 80D deductions. The old regime wins only if your total deductions are large.
- Salary Calculator (CTC to In-hand)
- On a ₹12 lakh CTC, monthly in-hand salary is about ₹93,795 under the new regime for FY 2026-27. This assumes basic is 50% of CTC (the minimum under the labour codes), PF on the ₹15,000 wage ceiling, gratuity inside CTC and ₹2,400 professional tax. Income tax is ₹0, because the ₹12 lakh rebate covers most of it.
- HRA Calculator
- HRA exemption is the lowest of three amounts: (1) actual HRA received, (2) rent paid minus 10% of basic + DA, and (3) 50% of basic + DA in a metro or 40% elsewhere. From FY 2026-27, Bengaluru, Hyderabad, Pune and Ahmedabad count as metros alongside Delhi, Mumbai, Kolkata and Chennai. The exemption is available only in the old tax regime.
- Capital Gains Tax Calculator
- For FY 2026-27: equity shares and equity mutual funds held over 12 months are taxed at 12.5% on gains above ₹1.25 lakh. Held for 12 months or less, the rate is 20%. Property, gold and unlisted shares held over 24 months are taxed at 12.5% without indexation. Debt fund gains (units bought after 1 April 2023) are always taxed at your slab rate. Add 4% cess.
- GST Calculator
- To add GST: GST = amount × rate ÷ 100. ₹10,000 at 18% becomes ₹11,800. To remove GST from an inclusive price: base = amount ÷ (1 + rate/100). ₹11,800 at 18% has a base of ₹10,000 and GST of ₹1,800. Within a state, GST is split equally into CGST and SGST. Between states, it is charged as IGST.
- Gratuity Calculator
- Gratuity under the Payment of Gratuity Act = 15 × last drawn (basic + DA) × years of service ÷ 26. With ₹60,000 basic + DA and 8 years 7 months of service (rounded to 9 years), gratuity is ₹3,11,538. You normally need 5 years of continuous service. Up to ₹20 lakh is tax-free for private-sector employees.