Everyday decisions, made simple.
Clear tools and practical explainers to help you navigate salaries, home loans, taxes, and everyday planning. Simple, free, and private.
CTC to Monthly In-Hand Salary
Updated with Union Budget 2025-26: Zero tax up to ₹12 Lakhs (₹12.75L with standard deduction).
Annual Take-Home: ₹10,59,312
* Mathematical estimates for planning purposes based on standard tax slabs. Actual payroll figures and tax deductions depend on your employer's structure and individual tax filing.
Planning your home loan repayment?
See an estimate of how making extra payments or adding a small monthly top-up could reduce your total interest and tenure.
Helpful Guides & Mathematical Breakdowns
Plain-language explanations of tax rules, salary components, and loan math.
Budget 2025: How the New ₹12 Lakh Tax Exemption Actually Works
Understand the enhanced Section 87A rebate, the ₹75,000 standard deduction, and why salaried employees effectively pay zero income tax up to ₹12.75 Lakhs.
Why Paying Just 1 Extra Home Loan EMI Each Year Cuts 5+ Years
A simple breakdown of loan amortization and why small annual prepayments directly slash compounding interest from the principal balance.
New vs. Old Tax Regime: Which One Saves You More in 2025-26?
A clear breakeven analysis comparing tax slabs, Chapter VI-A deductions (80C, 80D, HRA), and who actually benefits from staying in the Old Regime.
More Calculators in Progress
Simple, straightforward everyday tools.
Home Loan Prepayment ➔
Estimate how extra EMIs or top-ups can change your loan tenure.
Sukanya Samriddhi (SSY)
Estimate compounding savings for higher education planning.
Gratuity Calculator
Estimate statutory gratuity eligibility based on completed service years.
Freelancer 44ADA Estimator
Simple presumptive income tax estimator for professionals and freelancers.
Free & No Sign-Up
No accounts, no email forms, and no sign-in required. Everything runs in your browser.
Private by Design
Your salary and loan figures are never sent to a server. Calculations happen on your device.
Simple Estimates
Standard formulas designed to give you quick ballpark estimates for everyday planning.
* Disclaimer: All calculators on HelpAdda are intended solely for general illustrative and educational purposes. Figures are estimates and should not be considered financial, legal, or tax advice. Please consult your payroll team, tax consultant, or lender for official numbers.