Free India Business & Salary Calculators

Yes. Every CTC, GST, HRA, EPF and freelancer tax calculator on Calcrux is completely free, with no sign-up, no login, and no limit on use. Tools that ClearTax and Groww require an account for are free here.

Deduct your employer's EPF contribution (12% of basic, capped at 1,800 per month), professional tax, and income tax from gross salary. The salary calculator converts your CTC to net in-hand pay with all statutory deductions itemised under both old and new tax regimes.

The new regime offers lower slab rates but no itemised deductions — HRA, 80C investments, and home loan interest are not available. The old regime allows these deductions and suits employees with significant rent or investments. The salary calculator models both and shows which saves you more.

No. HRA exemption is not available under the new tax regime — it applies only under the old regime. If you pay significant rent, the old regime may save more tax despite its higher nominal rates. The HRA calculator shows your exact exemption under the old regime.

Standard deduction is 75,000 per year under the new tax regime and 50,000 under the old regime in FY 2026-27. It is automatically deducted from gross salary before tax is calculated. No documents or claims are required.

Very accurate — each tool is built against current Indian rules including FY 2026-27 tax slabs, EPF caps, and GST rates, and is hand-checked against worked examples. Rates update whenever the government revises them, including Budget announcements and EPFO circulars.

Yes. Calcrux covers the same CTC to in-hand salary, GST, HRA, EPF, and freelancer tax calculations that ClearTax and Groww provide — completely free, no account required, and no data uploaded to any server. All calculations stay in your browser.

Yes. This section is built specifically for India, using GST slabs, EPF contribution rates, HRA rules, and Indian income tax law. Calcrux covers other countries and currencies in its ecommerce, financial, and manufacturing ecosystems, but these tools are tuned for Indian payroll and business needs.

Browse the four groups on this page: Salary & Take-Home for CTC-to-in-hand pay and HRA; Income Tax & TDS for what you owe or that gets withheld; Retirement & Savings for EPF, NPS, PPF and gratuity; and Freelancers & GST for self-employed tax. Or use the search bar to jump to a tool.

They are different stages of tax, not duplicates. Income tax is your total liability for the year; TDS is tax your payer withholds before paying you; advance tax is paying that liability in instalments through the year; professional tax is a small, separate state levy on your payslip. They sit together in the Income Tax & TDS group — pick the one matching what you are working out.

Yes. Employees can check their take-home pay from a CTC offer, while HR and payroll teams can model salary structures and statutory deductions. Both see the same itemised breakdown — gross pay, EPF, professional tax, income tax, and net in-hand — so there are no payslip surprises.

Under the new tax regime in FY 2026-27, a ₹10 lakh annual salary attracts around ₹54,000 in income tax after the ₹75,000 standard deduction — an effective rate of about 5.4% of gross. Under the old regime without major deductions the liability is similar, but adding HRA exemption, 80C investments, or NPS contributions can bring it down considerably. The salary calculator shows your exact figure based on your CTC, deduction profile, and regime choice.

Section 44ADA is a presumptive taxation scheme for specified professionals — IT consultants, doctors, lawyers, architects, and engineers among others — with annual gross receipts up to ₹75 lakh. Under it, 50% of receipts is deemed taxable profit and you pay income tax on that amount, with no requirement to maintain books of accounts or undergo a tax audit. The freelancer tax calculator works out your Section 44ADA liability and quarterly advance tax instalments automatically.

For exclusive GST (tax added on top of the price), GST = invoice value × rate. For inclusive pricing (tax already built in), GST = invoice value − (invoice value ÷ (1 + rate)). A ₹1,000 service at 18% GST exclusive adds ₹180 in tax: CGST ₹90 + SGST ₹90 for intra-state, or IGST ₹180 for inter-state. The GST calculator handles both modes and automatically splits CGST, SGST, and IGST based on your transaction type.