Disclaimer

Last updated: 21 August 2026

These are estimates

Every calculator on this site — CTC to in-hand, income tax, old versus new regime, HRA exemption, gratuity, and the take-home pages for specific salary figures — produces an estimate. It is based on the numbers you enter and the tax rules programmed into it, and it is for informational purposes only.

This is not tax, legal, or financial advice

Nothing on this site is tax advice, legal advice, or financial advice, and using these tools does not create any professional relationship between us.

I am not a chartered accountant and not a registered tax practitioner. I hold no licence to give tax or financial advice. I built these calculators because I wanted to understand my own numbers. They encode my reading of the published rules. That is not the same as professional advice about your situation.

Verify before you act

Before filing a return, accepting an offer, or making any financial decision, check the figure against a qualified professional or the official source:

• A chartered accountant or registered tax practitioner, who can see your full circumstances.
• The Income Tax Department directly at incometaxindia.gov.in.

If a number here disagrees with your payslip, your Form 16, or your accountant, treat theirs as correct and please tell me so I can look at it.

Why your real figures may differ

A general calculator cannot capture everything that determines a real payslip or tax bill:

• How your specific employer structures CTC — the basic-to-CTC ratio, HRA share, which allowances exist, and whether the provident fund wage ceiling is applied.
• Your complete financial picture across all income sources, deductions, exemptions, and previous employment in the same year.
• Monthly TDS, which is your employer's own running estimate and gets reconciled at year end.
• State-level variations, such as professional tax.

Where a default assumption is involved, it is editable under "Adjust assumptions" on the calculator. Replacing defaults with the exact figures from your payslip makes the result far more accurate.

Tax rates change

Slabs, rebates, surcharge thresholds, and deduction limits change — usually on Budget Day, 1 February, and sometimes mid-year. A rate that was right when this was written may not be right when you read it.

Each calculator page shows the rates it is using and a "last verified" date. Check that line before relying on the output. If the date looks stale, assume the rules may have moved on.

No liability

I accept no liability for any decision made on the basis of a figure from this site, or for any loss, tax, penalty, or interest that results. See the terms of use.

Corrections are genuinely welcome: powerfulextensions@gmail.com