Tax & Salary (9 Articles)
New Tax Regime India 2026-27: Complete Guide for Salaried Employees
New slabs, standard deduction ₹75K, 87A rebate explained — and who should switch.
→ Salary CalculatorOld vs New Tax Regime: Which is Better for Your Salary in 2026-27?
Break-even analysis at ₹8L, ₹12L, ₹15L, ₹20L, ₹30L salary with worked examples.
→ Salary CalculatorNew Tax Regime: How Much Tax at ₹8L, ₹12L, ₹15L, ₹20L Salary?
Tax calculation tables for every salary slab with take-home comparison.
→ Salary CalculatorCTC vs Gross Salary vs Net Salary: What's the Difference?
Definitions, CTC breakdown, employer PF, gratuity provision, and why CTC ≠ take-home.
→ CTC CalculatorHow to Read Your Indian Salary Slip: Every Component Explained
Earnings vs deductions, HRA, LTA, special allowance, EPF, ESI, PT, TDS.
→ Salary CalculatorCTC Breakup Guide: How Indian Companies Structure Salary Packages
40/50/60% basic structures, HRA norms, flexi-basket, how to negotiate CTC.
→ CTC CalculatorHRA Exemption: How it's Calculated and How to Maximise It
Three conditions explained, worked examples, metro vs non-metro, landlord PAN rules.
→ HRA CalculatorMetro vs Non-Metro for HRA: Which Cities Qualify Under Income Tax?
Delhi, Mumbai, Chennai, Kolkata ONLY. Why Bangalore is not a metro for HRA.
→ HRA CalculatorCan You Claim HRA if You Live with Parents? Yes — Here's How
Rent agreement with parents, PAN requirement, rental income tax for parents.
→ HRA CalculatorInvesting & Retirement (6 Articles)
What is SIP? Systematic Investment Plan Explained Simply
SIP mechanics, rupee cost averaging, power of compounding, which fund to choose.
→ SIP CalculatorSIP vs Lumpsum: Which is Better for Long-Term Wealth Building?
Mathematical comparison, when lumpsum wins, when SIP wins, hybrid approach.
→ SIP CalculatorSWP for Retirement: Create Monthly Income from Mutual Fund Corpus
How SWP works, safe withdrawal rate, inflation, which funds suit SWP.
→ SWP CalculatorNPS vs PPF: Which is Better for Tax Saving and Retirement in 2026?
Detailed comparison, liquidity, returns, tax, who should choose what.
→ NPS/PPF CalculatorELSS Mutual Funds: Best Tax-Saving Investment with Shortest Lock-in
How ELSS works, 3-year lock-in, historical returns, LTCG on ELSS exits.
→ ELSS CalculatorNPS vs PPF vs ELSS: Which Gives Best Returns After Tax in 2026?
Side-by-side table, post-tax returns, liquidity, recommendation by profile.
→ Comparison CalculatorFreelance & GST (6 Articles)
Section 44ADA Explained: Presumptive Tax for Indian Freelancers
Who is eligible, ₹75L limit, 50% presumption rule, comparison with regular ITR-3.
→ Freelancer Tax (44ADA)44ADA vs 44AD: Which Presumptive Tax Section Applies to You?
44AD for business, 44ADA for professionals, eligibility, limits, advance tax.
→ Freelancer Tax (44ADA)Section 44ADA for Software Developers and IT Freelancers
Is software development a "profession" under 44ADA? How USD income is treated.
→ Freelancer Tax (44ADA)GST Registration for Freelancers: Do You Need to Register?
₹20L threshold, mandatory for interstate, export of services, voluntary benefits.
→ GST Invoice GeneratorCGST vs SGST vs IGST: Understanding India's GST Split
Why GST is split, intrastate vs interstate, place of supply, invoicing impact.
→ GST Invoice GeneratorGST Invoice: 16 Mandatory Fields Every Invoice Must Have
Complete list per GST Act, B2B vs B2C, time limit for issuing invoice.
→ GST Invoice GeneratorRemote Work & USD Payments (5 Articles)
Receiving Foreign Payments in India: Complete Guide for Freelancers
FEMA compliance, RBI guidelines, FIRA requirement, TCS on remittances.
→ USD→INR CalculatorWise vs PayPal for Indian Freelancers: Which Has Lower Fees?
Fee comparison at $1000 and $5000, real exchange rates, FIRA availability.
→ USD→INR CalculatorFIRA and FIRC: What Indian Freelancers Need to Know for ITR
What FIRA/FIRC is, why it's needed, how to get from your bank, digital FIRA.
→ USD→INR CalculatorFreelance Rates: India vs Global Tech Markets
How to price your tech services for global clients, adjusting for cost of living and timezone.
→ USD→INR CalculatorSetting Upwork Hourly Rates for Indian Developers
Benchmarking your skills, pricing strategy, handling Upwork fees, and drawing foreign income.
→ USD→INR CalculatorStartups & ESOPs (6 Articles)
ESOPs in Indian Startups: How They Work and What They're Worth
ESOP mechanics, cliff and vesting, strike price, FMV, what happens at exit/IPO.
→ ESOP CalculatorESOPs vs RSUs: What's the Difference and Which is Better?
Cash outflow, tax treatment, when each is offered, questions to ask employer.
→ ESOP CalculatorESOP Tax in India: When Do You Pay — At Vesting or At Sale?
Two tax events, employer TDS, LTCG vs STCG holding periods (Budget 2024).
→ ESOP CalculatorESOP Vesting & Cliff: How Vesting Schedules Work in India
Understanding 4-year vesting, 1-year cliffs, monthly/quarterly vesting, and clawbacks.
→ ESOP CalculatorWhat is ESOP Dilution and How Does it Affect Your Grant Value?
How future funding rounds dilute your equity percentage, and how to model exit value.
→ Equity Explorer AIStartup Equity Red Flags: What to Watch for in Your Offer Letter
Liquidation preferences, post-termination exercise windows, and bad leaver clauses.
→ Equity CheckerCareer & HR (11 Articles)
Gratuity Under New Labour Codes 2026: What Changed for Fixed-Term Employees
Old rule (5 years) vs new rule (1 year for fixed-term), formula, ₹20L tax-free limit.
→ Gratuity CalculatorFull & Final Settlement: Everything You're Owed When You Resign
F&F components, 30-45 day timeline, last salary, leave encashment, Form 16.
→ F&F CalculatorNotice Period in India: Rules, Buyout, and What Happens If You Don't Serve It
Labour law, contractual vs statutory, notice pay, relieving letter implications.
→ Gratuity CalculatorHome Loan Eligibility in India: How Banks Decide How Much to Lend You
FOIR, credit score, age vs tenure, co-applicant benefits, how to improve eligibility.
→ Home Loan CalculatorFOIR: The Number That Determines Your Home Loan
What FOIR is, typical bank limits (40-50%), how to calculate and reduce it.
→ Home Loan CalculatorHome Loan vs Renting in India: Which Makes More Financial Sense?
Opportunity cost, break-even framework, tax benefits, property appreciation.
→ Home Loan CalculatorHow to Negotiate Salary in India: The Tech Professional's Playbook
Negotiation frameworks, anchoring, variable pay discussions, and handling HR pushbacks.
→ Offer Analyzer AIHow to Evaluate a Job Offer in India: Beyond the CTC Number
Weighing base salary vs variable component, ESOP dilution, and notice buyout implications.
→ Offer Analyzer AISalary Negotiation Email Template for Tech Professionals
Word-for-word negotiation email scripts for counter-offers, base salary hikes, and signing bonuses.
→ Offer Analyzer AIJoining Bonus Clawback in India: Tax Rules and Resignation Impact
How recovery of joining bonus affects your ITR, TDS adjustments, and employer rights.
→ Notice CalculatorEmployment Bond Validity in India: Can Companies Enforce It?
What Indian courts say about employment bonds, training cost recovery, and relieving letters.
→ Notice CalculatorAI & Freelancing (3 Articles)
LLM API Pricing Guide 2026: GPT-4o, Claude, Gemini — Full Cost Comparison
Price table for all major models, input vs output token costs, cheapest by use case.
→ LLM API Pricing CalculatorGPT-4o vs Claude vs Gemini: Cost Comparison for AI Freelancers
Real-world costs at different usage levels, quality vs cost, which to use.
→ LLM API Pricing CalculatorHow to Price AI Projects as an Indian Freelancer: Complete Guide
API cost → markup → profit → GST. USD vs INR billing. RCM on AI services.
→ LLM API Pricing Calculator