Free calculators for salaried people in India

Most money questions a salaried person has in a year are arithmetic, not advice. What will actually reach my account. How much HRA is exempt. What this EMI does to my monthly budget. Whether the old regime still beats the new one for me.

You do not need an advisor for those. You need the right calculator and five minutes. Here is which one answers which question — all free, no sign-up, and they compute on your device rather than sending your salary figures to a server.

Before you accept the offer

Salary calculator (CTC to in-hand) — the gap between the CTC in the letter and the money that arrives is the single most common surprise in Indian employment. Employer PF, gratuity provision and insurance are all inside that number and none of them reach your account monthly. Run it before you negotiate, not after you join.

Income tax calculator — current slabs, so you can see what the new regime costs you against the old one with your actual deductions, rather than relying on which one someone on LinkedIn preferred.

HRA exemption calculator — the exemption is the lowest of three separate formulas, which is why people guess it wrong in both directions. Metro and non-metro are treated differently, and Noida is not a metro for this purpose even though Delhi is.

When you are borrowing

EMI calculator — home, car or personal loan. Look past the monthly figure at the total interest: the difference between a 15-year and a 20-year home loan is usually several lakh, and it does not appear on the EMI line.

GST calculator — add or strip GST at any rate, and see the CGST/SGST split. Useful when a quote says "plus taxes" and you are trying to compare it with one that does not.

Percentage and discount calculators — for "40% + extra 10%", which is not 50%, and the sale knows it.

For long-term saving

SIP calculator — what a monthly investment becomes at an assumed rate. The assumed rate is an assumption, not a promise; try a pessimistic one as well as the number the brochure uses.

PPF calculator — 15-year maturity, with the interest compounding most people underestimate.

Sukanya Samriddhi calculator — for a daughter's account, with the deposit and maturity schedule laid out.

FD and RD calculator — compare a lump sum against a monthly deposit at the same rate. They are not equivalent and the gap surprises people.

When you leave a job, or plan to

Gratuity calculator — payable after five years of continuous service, on the standard formula. Check what you are owed before you accept a full-and-final statement.

EPF calculator — the balance your contributions and your employer's build towards, with interest.

Retirement date calculator — exact date from date of birth and the age of superannuation, which government employees need more precisely than most.

Small but constantly useful

Age calculator — exact years, months and days, the way eligibility rules are written.

Date difference calculator — working days between two dates, for notice periods and deadlines.

PAN, Aadhaar and GSTIN validator — checks whether a number is correctly formed before you submit it. It confirms the format, not that the number belongs to anybody.

Number to words — rupees in words for a cheque or an invoice, with lakh and crore handled properly.

Invoice generator — a GST invoice as a clean PDF, if you bill occasionally and do not want accounting software.

One honest caveat

These are arithmetic, not advice. A tax calculator applies the slabs to the numbers you type; it does not know about your capital gains, your other income or the deduction you forgot. For anything consequential, check the result with a CA. The calculator is for getting to a sensible answer fast, and for sanity-checking what somebody else tells you.

All of them are here, along with 500-odd other tools. We build and publish them alongside our client work — if you need something like this built for your business, tell us what you need.