UPDATED FOR FY 2026–27

Money math,
made simple.

22 free calculators for salaried Indians. Take-home salary, old vs new tax, SIP, EMI — accurate to Indian rules, and every number runs inside your browser.

Calculate my take-home pay Compare old vs new tax

✓ No sign-up
✓ Nothing leaves your device
✓ Free forever

Try it right hereLIVE

Annual CTC

Your monthly in-hand

₹1,29,000/month

≈ ₹15.48 Lakh a year · Basic 50% · New regime · Gujarat. Estimate — your structure varies.

In-hand
Income tax
Your PF & PT
Employer PF + gratuity

See the full breakdown →

Pick your question

Grouped the way people actually ask, not the way banks file it.

Salary Tax Investment Loan Savings & Deposits Everyday

Salary

Take-Home SalaryTurn your CTC into real monthly in-hand pay — with PF, gratuity, professional tax and income tax broken down.Open →GratuityYour gratuity under the 15/26 formula — Act coverage, the service-rounding rule, the ₹20 lakh cap and tax treatment, all handled.Open →Salary HikeTurn a hike % into the new salary (or decode the % from two offers) — and see what it is really worth after inflation.Open →

Tax

Income TaxCompare the old and new tax regimes side by side for FY 2026-27 and see exactly which one saves you more.Open →HRASee exactly how much of your House Rent Allowance escapes tax — the least-of-three rule, metro vs non-metro, worked out live.Open →

Investment

SIPProject your mutual-fund SIP corpus with a year-by-year growth chart, step-up and goal planning.Open →LumpsumSee what a one-time mutual-fund investment could grow to, with a year-by-year growth chart at your assumed return.Open →NPSProject your NPS corpus to 60 and what follows — lump sum, annuity, monthly pension, and the 60% tax-free line under the new 80/20 exit rules.Open →CAGRTurn any before-and-after into an honest yearly growth rate — and see through the “300% returns!” headlines.Open →SIP vs LumpsumThe same money invested at once vs spread as a SIP — an honest side-by-side of what the math says and what it can’t.Open →RetirementYour real retirement number — expenses inflated to 60, the corpus that funds 25 years of them, and the SIP that builds it.Open →

Loan

EMI / LoanCalculate your loan EMI, total interest and amortization schedule — with a prepayment planner that shows interest saved.Open →Home LoanHome loan EMI with the full 20-year picture — total interest, tax breaks, prepayment savings and an amortization schedule.Open →Car LoanCar loan EMI on the on-road price — with the honest arithmetic of financing an asset that only loses value.Open →Personal LoanPersonal loan EMI at real unsecured rates — and the flat-vs-reducing trap that makes 12% quietly cost 21%.Open →

Savings & Deposits

Fixed DepositFixed deposit maturity value with quarterly compounding — cumulative or monthly-income payout, for any bank’s rate.Open →Recurring DepositSee your recurring deposit’s maturity — monthly savings compounded quarterly with the exact bank and post-office formula.Open →PPFSee your Public Provident Fund grow year by year at the government-notified rate — 15-year maturity, 5-year extensions, all of it tax-free.Open →SSYProject your daughter’s SSY account — 15 deposit years, 21-year tax-free maturity, at the highest small-savings rate.Open →

Everyday

Compound InterestCompound and simple interest side by side — any rate, yearly to monthly compounding, with a year-by-year growth chart.Open →InflationSee what today’s money will cost — and what it will still buy — years from now, at any assumed inflation rate.Open →GSTAdd GST to a price or peel it out of an MRP — on the new 5/18/40 slabs, with the CGST/SGST split shown.Open →

Why people trust the number

Not a government site · Sources linked on every page

Always free

No paywalls, no premium tricks, no sign-up.

Private by design

Calculations run in your browser — your numbers never leave your device.

Accurate to Indian rules

Tax, PF and salary figures follow current FY 2026-27 rules, verified against official sources.

Works on any device

Fast and responsive on phone, tablet and desktop, in light or dark mode.

Clear breakdowns

Every result shows exactly how the number was reached — no black boxes.

Made in India

Indian number format (Lakh & Crore) and the calculators salaried Indians actually use.

Same math, in your pocket.
Offline.

The Android app runs the identical calculation engine as this site — no internet needed, no account, and your history stays on your phone.

Coming to Google PlayAndroid · Free · Works offline

Financial calculators built for the way Indians think about money

Understanding your own money should not require a spreadsheet or a chartered accountant. Eternexa brings together the everyday calculators salaried Indians need — a take-home salary calculator that turns your CTC into real in-hand pay, an income-tax calculator that compares the old and new regimes side by side, a SIP calculator to project your investments, and an EMI calculator with a prepayment planner.

Every tool is free, needs no sign-up, and runs entirely in your browser, so the numbers you enter never leave your device. Results are shown in the familiar Indian format — Lakh and Crore — with a clear breakdown of how each figure is calculated, and they are kept up to date with current FY 2026-27 rules.