A quick way to see your real pay. Enter CTC, basic split, HRA, EPF, and the tax regime you plan to choose. The tool shows monthly take-home, annual in-hand, taxable income, and each deduction. It helps you compare offers, plan increments, and avoid surprises on payday.
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First-Time Stock Market Investors
Check if returns beat a bank option and see how tenure changes CAGR before you scale.
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Experienced Traders Calculating ROI
Audit entries and exits across lots and export runs for post-trade notes.
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Long-Term Wealth Builders and SIP Investors
Measure rolling SIP outcomes and compare plans with the same monthly input.
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NRIs and Global Investors Investing in India
Track INR results cleanly and export timelines for your own currency view.
CTC is the total employer cost in a year. In-hand is what you receive after tax, employee PF, and other deductions. CTC can include employer PF and benefits that do not reach your bank each month.
The calculator applies the slab rules for the regime you choose, adds cess, accounts for surcharge where applicable, and spreads TDS over months so your net is steady.
Clarity. You see your monthly take-home, taxable income, and deductions without building formulas. It helps with offer decisions, EMIs, and savings plans.
Pick your employee type, enter accurate basic, HRA, and PF settings, then run both regimes if needed. The engine adapts to common public-sector structures.
Yes. When slabs or rules change, the calculator logic is refreshed so your projections stay aligned with the current regime.
