Smart Tools for India's Independent Professionals

12 free financial calculators + 36 expert guides. All calculations happen in your browser. Nothing is ever stored.

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All 12 Calculators

Built for Indian professionals. Updated for FY 2025-26.

πŸ’° Tax & Salary

Salary Take-Home Calculator

Compare old vs new tax regime. Calculate exact in-hand salary with HRA, 80C, EPF and professional tax.

Updated 2025-26 Calculate β†’
πŸ“‹ Tax & Salary

CTC to In-Hand Calculator

Break down your CTC into a full monthly payslip. See every component including employer PF and gratuity.

Updated 2025-26 Calculate β†’
🏠 Tax & Salary

HRA Exemption Calculator

Find how much of your HRA is tax-free. All three conditions calculated. Metro vs non-metro support.

Updated 2025-26 Calculate β†’
πŸ“„ Tax & Salary

Section 44ADA Calculator

Presumptive tax for freelancers and consultants under β‚Ή75L. Includes advance tax schedule.

Updated 2025-26 Calculate β†’
πŸ“ˆ Investing

SIP + SWP Calculator

Calculate SIP returns with inflation adjustment. Plan SWP withdrawals and retirement corpus.

Calculate β†’
🏦 Investing

NPS vs PPF vs ELSS

Side-by-side comparison of all three 80C instruments. Post-tax corpus and annual tax savings.

Calculate β†’
🧾 Freelance

GST Invoice Generator

Create GST-compliant invoices with PDF download. Auto-calculates CGST/SGST vs IGST. Free forever.

PDF Export Generate β†’
πŸ’± Freelance

USD β†’ INR Calculator

Exact INR after all fees β€” Stripe, PayPal, Wise, SWIFT, Payoneer. See total transfer cost.

Calculate β†’
πŸ“Š Freelance

ESOP & RSU Tax Calculator

Calculate perquisite tax at vesting + capital gains at sale. Listed and unlisted companies.

Calculate β†’
🀝 Career

Gratuity + F&F Calculator

Calculate gratuity eligibility and full & final settlement amount. New labour codes included.

Calculate β†’
🏑 Career

Home Loan Eligibility

How much can you borrow? FOIR-based calculation with EMI breakdown and interest total.

Highest Value Calculate β†’
πŸ€– AI & Freelance

LLM API Cost Calculator

Price your AI projects accurately. Supports GPT-4o, Claude, Gemini. INR conversion included.

Calculate β†’

Why takehomecalc.in?

Built for Indian professionals who need accuracy, not approximations.

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Zero Data Collection

All calculations happen in your browser. No data is ever sent to our servers. No signup required. Ever.

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India-Specific Accuracy

FY 2025-26 tax slabs, correct metro cities for HRA, Budget 2024 ESOP changes, real state-wise PT amounts.

🎯

Clear, Honest Results

No dark patterns. No upsells inside calculators. One affiliate CTA per page, clearly disclosed.

Latest Expert Guides

In-depth articles updated for FY 2025-26.

Tax

New Tax Regime India 2025-26: Complete Guide

New slabs, β‚Ή75K standard deduction, 87A rebate, and who should switch.

πŸ“… April 2025⏱ 6 min read
β†’ Try Salary Calculator
Freelance

Section 44ADA: Presumptive Tax for Freelancers

Who qualifies, the β‚Ή75L limit, 50% presumption rule, and advance tax.

πŸ“… April 2025⏱ 7 min read
β†’ Try 44ADA Calculator
Investing

NPS vs PPF: Which is Better in 2025?

Liquidity, returns, tax treatment, and the 80CCD(1B) bonus of β‚Ή50K.

πŸ“… April 2025⏱ 8 min read
β†’ Try NPS/PPF Calculator
Career

ESOP Tax: At Vesting or At Sale?

Two tax events explained: perquisite + capital gains, Budget 2024 changes.

πŸ“… April 2025⏱ 7 min read
β†’ Try ESOP Calculator
HRA

Metro vs Non-Metro for HRA: Which Cities Qualify?

Only Delhi, Mumbai, Chennai, Kolkata are metros. Bangalore is NOT. This matters.

πŸ“… April 2025⏱ 4 min read
β†’ Try HRA Calculator
AI

How to Price AI Projects as an Indian Freelancer

API cost β†’ markup β†’ GST β†’ client pricing. The complete framework.

πŸ“… April 2025⏱ 8 min read
β†’ Try LLM Cost Calculator
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36
Expert Guides
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