Tax calculator In-hand salary HRA Guides

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Free salary & tax tools, built for India.

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Salary slip generator
Income tax calculator
In-hand salary calculator
HRA exemption calculator
Rent receipt generator
GST invoice generator
Gratuity calculator
PF withdrawal calculator

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Excel
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Guides

New vs old tax regime
Tax-free up to ₹12 lakh
HRA exemption guide
CTC vs gross vs in-hand
All guides

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Free calculators and document generators for Indian salaried employees and small businesses. Tools run in your browser, so your data never leaves your device. Calculations are for guidance only, not tax or legal advice.© 2026 ApnaSalary.in

Salary, tax & payroll tools
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Salary slips, tax calculators, rent receipts and GST invoices. The calculators run in your browser, so your inputs never leave your device.

Generate salary slip →Calculate your tax

Private by design
Calculators run entirely in your browser — inputs stay on your device.
Updated for FY 2025-26
Current slabs, ₹75,000 standard deduction and Section 87A rebate built in.
Actually free
Unlimited downloads, no signup walls, no watermark-removal tricks on core tools.

Eight tools, all free

08

01Salary slip generatorCreate a professional payslip PDF in 2 minutes. Earnings, deductions, net pay in words.
02Income tax calculator FY 2025-26New regime vs old regime, side by side. Slab-wise breakdown with rebate, surcharge and cess.
03In-hand salary calculatorCTC to monthly take-home. See exactly where PF, professional tax and TDS go.
04HRA exemption calculatorHow much of your HRA is tax-free? Metro and non-metro rules, all three limbs shown.
05Rent receipt generatorGenerate rent receipts for HRA proof — single month or the full year in one PDF.
06GST invoice generatorGST-compliant invoice with CGST/SGST or IGST, amount in words, instant PDF.
07Gratuity calculatorThe 15/26 formula on your last drawn basic, plus the exempt and taxable split.
08PF withdrawal calculatorWhat reaches your bank after Section 192A TDS, and whether it is taxable at all.

Popular guides

Plain-language explainers on the rules behind the numbers, written for salaried India and kept current for FY 2025-26.

Browse all 25 guides →

New vs old tax regime — which saves you more in FY 2025-26?
Income tax-free up to ₹12 lakh, explained
HRA exemption — the complete guide
CTC vs gross vs in-hand salary

In-hand salary by CTC

What a given CTC actually pays each month, after employer PF, employee PF, professional tax and income tax.

₹5 LPA
₹6 LPA
₹8 LPA
₹10 LPA
₹12 LPA
₹15 LPA
₹18 LPA
₹20 LPA
₹25 LPA
₹30 LPA
₹40 LPA
₹50 LPA
All CTCs