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.