Salary & HR
The gap between a cost-to-company figure and money in your account is made of statutory deductions, and those deductions are where offers stop being comparable. These tools take an offer apart into the components that vary and the ones that do not.
Payroll
CTC to In-Hand Salary CalculatorWhat actually reaches your bank from a CTC package, with every subtraction named. Roughly a fifth of a typical package is money the employee never sees in that year, and the offer letter does not say which fifth.In-Hand to CTC CalculatorThe CTC to negotiate for a target take-home. The relationship is not a fixed multiple: tax is progressive, so the gap widens as the package grows.Salary Breakup CalculatorEvery component of an Indian salary structure from the CTC and the basic-pay share: basic, house rent allowance, special allowance, both provident fund contributions, gratuity and the tax on top.Variable Pay & Performance Bonus CalculatorWhat a variable component actually pays after both multipliers. The two factors multiply rather than average, so a company at 80 and an individual at 120 pays 96 percent, not 100.Employer Payroll Cost CalculatorWhat an employee actually costs, which is well above the salary. Payroll tax, benefits and fixed per-head costs typically add a quarter to a third on top.
Statutory
Professional Tax CalculatorProfessional tax by state. It is levied by states, not the centre, and the Constitution caps it at 2,500 a year, which is why the amount is small and the rules vary so much.PF Contribution CalculatorThe monthly provident fund split, showing exactly how much of the employer's twelve percent reaches your fund and how much is diverted to the pension scheme. The two are not the same and payslips rarely separate them.ESI CalculatorEmployees State Insurance contributions from both sides, and whether the wage limit covers you at all. Crossing the limit mid-period does not end coverage immediately, which is the rule people miss.Gratuity CalculatorGratuity under the Payment of Gratuity Act: fifteen days of pay per completed year on a twenty-six day month, after five years of service. The five-year condition is a cliff, and the final year rounds only at six months.Leave Encashment CalculatorPayment for unused leave, with both divisor conventions shown. Thirty days is the common contractual figure and twenty-six the statutory one, and the gap between them is over thirteen percent on the same salary.Notice Period Buyout CalculatorThe cost of leaving before your notice period ends. Whether the contract computes it on gross salary or on basic pay changes the figure by more than half, and it is the first thing to check.Statutory Bonus CalculatorStatutory bonus under the Payment of Bonus Act, with the two separate salary limits that catch people out: one decides whether you qualify, and a much lower one decides what the bonus is computed on.Severance Pay CalculatorSeverance, notice pay and statutory gratuity on separation. Severance weeks are a matter of policy or negotiation; gratuity in India is statutory and needs five completed years.
Allowances
HRA Exemption CalculatorThe house rent allowance exemption is the least of three tests, and which one binds changes with rent and city. All three are shown, so the answer is checkable rather than asserted.LTA Exemption CalculatorLeave travel allowance exemption. It covers only the travel fare, not the holiday, and only two journeys in each four year block, and it is unavailable under the new regime.Standard Deduction CalculatorThe standard deduction for the year you select, and what it saves at your marginal rate. It is flat, needs no receipts, and is the deduction most salaried filers rely on entirely.
Equity
ESOP Value CalculatorWhat a stock option grant is currently worth, split into what has vested and what has not, and what remains after the cost of exercising and the tax. The headline number in an offer letter is almost always the fully vested pre-tax figure, which is the least useful of the four.RSU Vesting & Tax CalculatorRSU taxation at both events. Vesting is a salary perquisite taxed at slab whether or not you sell, and only the gain after vesting is a capital gain.
Career
Salary Increment CalculatorA raise in real terms. The real increase is not the nominal minus inflation: it is the ratio, and the difference matters more the larger both numbers are.Salary Hike Percentage CalculatorThe percentage rise between two salaries. Dividing by the new salary instead of the old is the standard error and always understates the increase.Job Offer Comparison CalculatorTwo offers compared on what actually lands, after tax and after the costs each job creates. A larger headline number can lose to a smaller one once a commute is priced in.Cost of Living Adjustment CalculatorWhat a salary needs to be in a more or less expensive city to leave you equally well off, and whether the offer clears it. Index numbers are relative, so only the ratio matters.Salary Percentile CalculatorWhere a salary sits in a distribution, with the median and mean side by side. Salary distributions are right-skewed, so the mean is always above the median and quoting it flatters.
Freelance
Freelance Hourly Rate CalculatorThe rate a freelancer has to charge to reach a target income, once unbillable time, expenses and tax are counted. It usually lands far above the equivalent salaried hourly rate, and it should.Day Rate to Salary CalculatorA contractor day rate expressed as the salary it is really worth. Billable days and the benefits a salary carries are what make the two comparable, and both work against the headline rate.