Salary & Retirement Calculators
What your pay works out to, what you are owed when you leave, and how much you need to stop working.
Pay and allowances
5 calculatorsIn-hand salary calculator for India: monthly take-home pay from your CTC after PF, professional tax and income tax, under the new or old tax regime.
HRA exemption calculator for India under rule 279 of the Income-tax Rules, 2026: 50% of basic in 8 cities, 40% elsewhere, with the landlord PAN threshold.
DA calculator for central government employees and pensioners: DA at the new 63% rate from 1 July 2026, the monthly rise from 60%, and your arrears.
8th Pay Commission salary calculator: revised basic pay and pension for central government employees at fitment factors from 1.92 to 2.86.
Work out statutory bonus under the Code on Wages, 2019 (8.33% to 20% of wages), or the take-home of a performance bonus after income tax.
Benefits on leaving
4 calculatorsPF calculator for India: EPF corpus at retirement, monthly employee and employer contribution, and interest at the EPFO rate, with your current balance.
Gratuity calculator for India: the 15/26 formula for private employees, the 5-year rule, fixed-term pro rata payout and the ₹20 lakh tax exemption.
Leave encashment calculator: your earned leave payout at retirement or resignation and the tax-free part: up to ₹25 lakh for private staff, all for govt.
EPS pension calculator for EPS-95: your monthly EPFO pension from salary and service, with the new ₹25,000 wage ceiling, bonus years and early pension.
Retirement planning
5 calculatorsCalculate your target retirement corpus, factor in Indian inflation, and compute the exact monthly SIP required to retire comfortably.
Find your FIRE number for early retirement in India from your expenses, inflation and withdrawal rate, plus the monthly SIP and Coast FIRE number today.
Plan your monthly retirement pension by allocating corpus across SCSS (8.2%), POMIS (7.4%), Annuity, and Mutual Fund SWP.
Find the amount you need invested today to coast to your FIRE number with no more saving, compare it with what you have, and see the age you get there.
Work out the corpus you need for Barista FIRE in India when part-time income covers some of your expenses, and compare it with full FIRE and its SIP.
NPS and pension schemes
5 calculatorsNPS calculator for India: retirement corpus, tax-free lump sum and monthly pension under the 2025 exit rules, for government and private subscribers.
NPS annuity calculator: monthly pension from the part of your NPS corpus that buys an annuity, under the 2025 exit rules, with ROP and joint-life options.
Compare NPS with a mutual fund SIP: Section 80CCD(1B) tax savings, the NPS lump sum and annuity under the 2025 exit rules vs 12.5% LTCG, and liquidity.
Compare Employees' Provident Fund (EPF 8.25%) with National Pension System (NPS 10-12%): evaluate tax exemption, lumpsum, and pension.
Calculate Atal Pension Yojana monthly contribution by age in India. Guaranteed pension ₹1,000 to ₹5,000 and return of corpus to nominee.
Which salary & retirement calculators should you use?
Salary Calculator breaks a CTC into monthly take-home pay after PF, professional tax and TDS. HRA Calculator works out the exempt part of your house rent allowance under the old regime.
For government employees, DA Calculator shows a dearness allowance hike and its arrears, and 8th Pay Commission projects basic pay at a range of fitment factors.
When you leave or retire, EPF projects your provident fund, Gratuity applies the 15/26 formula and the ₹20 lakh tax-free limit, Leave Encashment values unused leave, and EPS Pension works out the pension under the EPS-95 formula.
Retirement Calculator inflates today's expenses to your retirement age and works out the corpus and monthly SIP needed. FIRE Calculator does the same for early retirement, using a withdrawal rate instead of a fixed retirement span, and shows the Coast FIRE point after which you could stop investing.
NPS Calculator projects an NPS corpus and splits it into the tax-free lump sum and the annuity, and NPS Annuity turns the annuity portion into a monthly pension. NPS vs Mutual Fund and EPF vs NPS compare the options after tax.
Pension Calculator spreads a corpus across SCSS, Post Office MIS, an annuity and an SWP to see the combined monthly income. Atal Pension Yojana shows the contribution for a guaranteed pension of ₹1,000 to ₹5,000 a month.
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Reviewed by Pradipta Ray, MBA (Finance) · Updated