Menu

Start here

Start here

India CTCCTC to in-hand salary SIP CalculatorsSIP, goals, step-up, delay cost Loan CalculatorsEMI, eligibility, prepayment Document ToolsInvoices, receipts, payslips

Salary and tax

Salary calculator

India CTC CalculatorIndia CTC to in-hand salary with new vs old tax regime comparison

Tax calculators

HRA Exemption CalculatorCalculate India HRA exemption for old tax regime salary and rent GST CalculatorAdd GST, remove GST, and split CGST, SGST, or IGST in India Gratuity CalculatorEstimate India gratuity using joining/leaving dates, statutory wages, service eligibility, and fixed-term cases EPF / PF Contribution CalculatorEstimate India PF by payroll month, wage policy, statutory add-backs, EPS membership, and age

Planning tools

Career planning

Salary Hike CalculatorCompare salary hike net pay with India, US, or custom mode Increment CalculatorCalculate salary increment percentage and estimated net pay after raise Reverse Salary CalculatorFind gross salary needed for a target monthly in-hand salary Offer Comparison CalculatorCompare job offers by take-home pay, tax mode, and custom currency Variable Pay CalculatorCalculate variable pay impact from bonus payout scenarios

Loan planning

Loan Calculators Hub EMI Affordability CalculatorEstimate EMI affordability from in-hand salary and debt obligations EMI CalculatorCalculate loan EMI with repayment schedule and principal-interest breakup Home Loan CalculatorCalculate home loan EMI, down payment, loan-to-value, repayment schedule, and prepayment savings Home Loan Eligibility CalculatorEstimate home loan eligibility from salary, income, EMI-to-income ratio, and obligations Loan Pre-payment CalculatorCalculate loan prepayment savings, part payment benefit, and tenure reduction Car Loan CalculatorCalculate car loan EMI, down payment, fees, and repayment schedule Personal Loan CalculatorCalculate personal loan EMI, processing fee, amount received, and repayment schedule Education Loan CalculatorCalculate education loan EMI with study period interest and repayment schedule Interest-Free Home Loan CalculatorCompare interest-free home loan installments with normal EMI interest cost

Investment tools

SIP and compounding

SIP Calculators Hub SIP CalculatorSIP calculator for monthly investment future value and expected returns SIP vs Lumpsum CalculatorCompare SIP vs lumpsum investment growth over the same duration SIP Comparison CalculatorCompare multiple SIP scenarios side by side by amount, return, and tenure Cost of Delay SIP CalculatorCalculate cost of delaying SIP and the lost compounding gap Goal SIP CalculatorGoal SIP calculator for monthly investment needed for a target amount Step-Up SIP CalculatorStep-up SIP calculator for yearly SIP increase and future maturity amount Lumpsum CalculatorLumpsum calculator for one-time investment future value CAGR CalculatorCAGR calculator for annualized return from start and end value Compounding CalculatorCompound interest calculator with monthly, quarterly, and yearly compounding

Savings and retirement

EPF Corpus CalculatorProject India EPF balance with monthly ceilings, wage assumptions, salary growth, and EPS age cutoffs SWP CalculatorSWP calculator for monthly withdrawals, balance left, and how long money lasts Inflation CalculatorInflation calculator for future cost and purchasing power loss FIRE Number CalculatorFIRE calculator India for financial independence amount and years to FIRE Net Worth TrackerNet worth tracker for assets, liabilities, local snapshots, and exports Retirement Calculator IndiaRetirement calculator India for retirement amount, future expenses, and savings gap Simple Interest CalculatorSimple interest calculator for principal, rate, time, and maturity amount FD CalculatorFD calculator India for fixed deposit maturity, interest, and payout mode RD CalculatorRD calculator India for recurring deposit maturity from monthly deposits PPF CalculatorPPF calculator India for Public Provident Fund maturity and interest PPF vs NPS vs FD CalculatorCompare PPF vs NPS vs FD maturity amount, pension, lock-in, and tax notes NPS Calculator IndiaNPS calculator India for retirement amount, lump sum, annuity, and monthly pension NSC CalculatorNSC calculator India for National Savings Certificate maturity and interest Insurance XIRR CalculatorInsurance XIRR calculator for endowment plans, ULIPs, premiums, and payouts

Document tools

Document tools

Document Tools HubInvoice, GST invoice, rent receipt, and salary slip tools Simple Invoice GeneratorBasic invoices without discounts, records, or advanced tax modes Global Invoice GeneratorInvoices with currencies, tax modes, PDF, and records India GST Invoice GeneratorINR tax invoices with GSTIN, HSN/SAC, CGST/SGST, and IGST Rent Receipt GeneratorIndia rent receipts for HRA records and monthly batches India Salary Slip GeneratorPayslips with logo, templates, and monthly batches All ToolsBrowse calculators, document tools, and planned tools

Resources

Resources

SIP Calculators Loan Calculators Document Tools Finance Guides Web Stories FAQs About Us Contact

Web Story

12 LPA In-Hand Salary Breakdown

See how Rs 12 LPA CTC can turn into estimated monthly in-hand salary. Preview it here, or open the AMP version full-screen.

What this story explains

Why Rs 12 LPA is not Rs 1 lakh per month in hand.
How employer PF and gratuity can affect monthly pay.
Where employee PF, tax, and professional tax reduce net pay.
Where to view the full 12 LPA salary guide.

Open full-screen story View 12 LPA guide