Calculators
Free calculators for the numbers that matter most to salaried Indians, from tax and allowances to loans and loyalty points. Each shows a live result and explains the formula in plain words, so you can check it against your payslip.
HRA Exemption Calculator
How much of your HRA (House Rent Allowance) is tax-free.
LTC Fare Entitlement Calculator
Estimate your LTC (Leave Travel Concession) reimbursement.
Gratuity Calculator
Gratuity payable after five or more years of service.
Leave Encashment Calculator
Cash value of your unused earned leave.
DA Arrears Calculator
Arrears when Dearness Allowance (DA) is raised with delay.
Old vs New Tax Regime Calculator
See which regime leaves more in your pocket.
Points Value Calculator (Cash vs Points)
Work out what each airline, hotel or card point is really worth.
Trip Points Planner (Flights, Hotel and Card)
Estimate the airline, hotel and card points a trip can earn together.
Credit Card Break-Even Calculator
See whether a card's annual fee is worth it for how you spend.
HBA vs Bank Home Loan Calculator
Compare the House Building Advance with a bank home loan.
Employer NPS Tax Savings Calculator
See the tax you save when your employer pays into your NPS.
Meal Voucher Tax Savings Calculator
Estimate the tax saved by taking part of your pay as meal vouchers.
LTA Exemption Calculator
Find how much of your Leave Travel Allowance is tax-free.
8th Pay Commission Salary Calculator
Test any fitment factor and see how basic pay, DA and HRA could change.
8th Pay Commission Arrears Calculator
Estimate arrears if revised pay is paid with effect from 1 January 2026.
8th Pay Commission Pension Calculator
Test a fitment factor on your basic pension and Dearness Relief.
Fitment Factor Calculator
Find the real rise behind a fitment factor, and the factor you need for a target rise.
Diwali Bonus Calculator for Central Government Employees
Work out your 30, 60 or 78 day Diwali bonus, with the Rs 7,000 ceiling and pro-rata service.
UPS vs NPS Calculator for Central Government Employees
Compare the Unified Pension Scheme's assured payout with an NPS annuity, using your own assumptions.
How to use these calculators
- Keep your latest payslip handy for Basic pay, DA (Dearness Allowance) and HRA.
- Enter amounts in rupees per month unless the label says per year.
- Read the formula under the result to see how it was calculated.
- Treat the result as an estimate and confirm with your accounts office or a Chartered Accountant.
Calculators use rules for the current financial year. See how we keep them accurate and the disclaimer.