PaisaCalc India - Salary, GST, and Loan EMI Calculators (FY 2026-27)
Salary Calculator India
Convert your CTC into clear, monthly take-home salary in seconds. Built for Indian payroll - with PF, HRA, professional tax and bonus logic baked in.
GST Calculator India
Add or remove GST instantly on any base amount. Supports all standard Indian GST slabs with automatic CGST + SGST or IGST splits.
Loan EMI Calculator
Compute monthly installments and total interest payable for Home, Personal, Car, or Bike loans. View full yearly amortization details.
Financial Calculators
Select one of our specialized, secure, and client-side calculators to plan your finances.
Salary Calculator
Calculate your monthly in-hand take-home salary from your annual CTC, factoring in Employee/Employer PF, HRA tax benefits, and Professional Tax.
GST Calculator
Instantly add or remove GST on any base amount. Supports 5%, 12%, 18%, and 28% slabs with CGST, SGST, or IGST splits automatically computed.
Tax Regime Calculator
Compare the Old vs New Tax Regime for FY 2026-27. Enter your salary, HRA, 80C, 80D, and NPS investments to see your net tax savings.
Gratuity Calculator
Estimate your statutory gratuity payout under the Payment of Gratuity Act, 1972. Compare covered vs non-covered rules with instant PDF/Excel exports.
Leave Encashment Calculator
Calculate your leave salary payout and tax exemptions under Section 10(10AA). Supports active service and resignation tax splits with PDF/Excel reports.
HRA Calculator
Calculate your House Rent Allowance (HRA) tax exemption under Section 10(13A). Compare rent paid against basic salary thresholds for optimal tax relief.
Bike Loan EMI Calculator
Calculate monthly EMI repayments, total interest, outstanding balances, and check the complete yearly amortization breakdown.
Car Loan EMI Calculator
Calculate monthly EMI repayments, total interest, outstanding balances, and check the complete yearly amortization breakdown.
Home Loan EMI Calculator
Calculate monthly EMI repayments, total interest, outstanding balances, and check the complete yearly amortization breakdown.
Personal Loan EMI Calculator
Calculate monthly EMI repayments, total interest, outstanding balances, and check the complete yearly amortization breakdown.
Understanding Personal Finance & Tax Calculations in India
Managing personal finance in India requires navigating complex, dynamic regulatory guidelines and calculations. From estimating your exact take-home salary from your annual Cost to Company (CTC) package to calculating the Goods and Services Tax (GST) payable on a commercial transaction or managing long-term loan EMIs, having access to instant and precise calculators is vital.
PaisaCalc India offers a comprehensive, secure, client-side suite of calculators updated for the latest fiscal year (FY 2026-27). By executing math operations client-side, we respect your data privacy while delivering prompt figures for HRA tax exemptions, Provident Fund (PF) deductions, interest schedules, and tax splits.
Salary to In-Hand calculations
Indian salaries include multiple variables like Basic Pay, House Rent Allowance (HRA), Special Allowance, and bonuses. Deductions like Employee Provident Fund (EPF), Professional Tax (PT), and income tax under old and new tax regimes determine your final in-hand take-home salary. Estimating these figures dynamically helps during job offers and budget planning.
Goods & Services Tax (GST) splits
GST in India is levied under specific slabs (5%, 12%, 18%, and 28%). Businesses and freelancers need to calculate both inclusive and exclusive GST values. Calculating these figures involves splitting the taxes into Central GST (CGST) and State GST (SGST) for intra-state transactions, or Integrated GST (IGST) for inter-state trades.
Loan EMI & Amortization schedules
Whether taking a home, personal, car, or bike loan, repayments are computed on a reducing balance basis. Calculating monthly Equated Monthly Installments (EMIs) alongside yearly amortization schedules lets you see how much interest is paid versus principal. Planning early prepayments can save lakhs in interest payments.