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Every figure an Indian payroll run has to produce.
Seven calculators covering what actually gets computed on a salary in India — what reaches the bank, what the statutes take, and what gets exempted or paid out. Each one shows its working, so you can check it against your own payslip rather than trust a number.
Rates and slabs as applied: FY 2025-26.
01 What reaches the bank
gross → net CTC to in-hand salary Annual CTC down to monthly take-home: basic, HRA, every statutory deduction, and the employer contributions that never reach you. Open → old vs new TDS on salary Monthly tax deducted at source under both regimes, side by side, so you can see which one costs you less before you declare. Open →02 What the statutes take
12% + 12% Provident fund (PF) Employee and employer contributions, the EPS split against the ₹15,000 pension ceiling, and what the balance compounds to over a year. Open → 0.75% / 3.25% Employee state insurance (ESI) Employee and employer shares, plus whether the wage even crosses the ₹21,000 threshold that makes ESI apply at all. Open → state-wise Professional tax PT is levied by the state, not the centre, so the slab depends on where the employee sits. Maharashtra, Karnataka, WB, TN, Gujarat and more. Open →03 What gets exempted or paid out
least of three HRA exemption The exemption is the smallest of three figures, not the rent you paid. All three are computed and compared, metro and non-metro. Open → 15/26 × years Gratuity What is payable on separation after five years of service, under the Payment of Gratuity Act 1972, including the tax-free ceiling. Open →Or stop calculating altogether.
Ragenaizer HRMS runs every one of these for every employee, every month, and posts the result straight into payroll and the ledger — CTC, PF, ESI, HRA, gratuity, TDS and professional tax, no spreadsheet in between.