India calculators
India
Local calculators and estimators
Tools commonly used by Indian residents to plan repayments, estimate statutory deductions, and model common savings products.
Choose a focused calculator below to run on-page estimates for loans, savings, payroll, and taxes.
Salary In-hand (India)
Monthly gross
₹50,000
Employee PF (monthly)
₹6,000
Taxable annual (computed)
₹4,78,000
Estimated tax (monthly)
₹988
In-hand (monthly)
₹43,012
Old vs New regime comparison
How calculations work
All calculations are performed locally in your browser — we do not call any external APIs or send your data anywhere.
Steps we use to compute the in-hand amount
- Gross annual salary: the value you enter is used as the starting point.
- Employee Provident Fund (PF): calculated as (gross / 12) × PF rate (monthly). Annual employee PF = monthly × 12. Employer PF is not deducted from your in-hand here.
- Standard deduction: by default we prefill ₹50,000 and apply it for the old tax regime only in this simplified model.
- Taxable income: computed as gross − standard deduction (if applicable) − annual employee PF. You can override the taxable annual value using the "Override taxable annual" field if you have other claims or deductions.
- Income tax: applied using the shown slab logic (a simplified public slab model for demonstration). After computing base tax we add health & education cess of 4%.
- Monthly tax: annual tax ÷ 12.
- In-hand (monthly): monthly gross − employee PF − professional tax − monthly tax.
Notes: this tool uses a simplified slab model for demonstration and educational purposes. It does not include optional deductions (e.g., 80C, HRA adjustments, investments) unless you manually change the taxable amount. This is not financial or tax advice — consult a tax professional for personalized calculations.
What this does
The India calculators hub gathers tools commonly used by Indian residents to plan repayment schedules, estimate statutory deductions, and model common savings products. It links to focused calculators (EMI, PF, GST, gratuity, fixed deposits and recurring deposits) and presents on-page guidance so you can safely use the calculators without external lookups.
Who should use
Use these calculators if you live or work in India and need quick, localised estimates for budgeting, payroll planning, or savings goals. They are useful for salaried employees, borrowers comparing loan offers, small business owners preparing invoices with GST, and savers evaluating FD/RD options.
How this works
Each calculator implements a deterministic mathematical model: EMIs use standard amortization, PF uses percentage-based contributions, GST reverses or applies a tax rate to the base amount, and savings tools simulate periodic compounding. All calculations happen client-side or on the same page—no external APIs are called—so results reflect the inputs you provide.
How to interpret results
Outputs show estimated payments, totals, or maturities based on the inputs and simplifying assumptions. Use them to compare scenarios—for example changing tenure or contribution amounts—and to plan cashflow. Remember these are estimates: they do not replace formal statements from banks, employers, or tax authorities.
Example
For instance, use the EMI calculator to see how a ₹10,00,000 home loan at 8% annual interest for 20 years produces a monthly EMI and an amortization preview. Combine that with the Salary In-hand calculator to check affordability after PF and simplified tax deductions.
Limitations & disclaimer
These calculators provide indicative projections and educational guidance only. They do not model all statutory exceptions, processing fees, taxes, promotional bank offers, or employer-specific arrangements. For binding figures consult your bank, payroll provider, or a qualified advisor. See the main calculators hub for other tools and localized pages.
How to read these results
The base EMI assumes a fixed interest rate for the full tenure. Adding an extra monthly payment applies directly to principal, reducing interest and shortening the schedule. The preview table shows the first six months of the base plan to help you validate inputs.