Salary & HR

Salary & HR Calculators

Calxo’s salary calculators help you read your CTC like your finance team does — separating what you actually take home from what’s just a number on the offer letter. Every tool is built on the actual statute (Income Tax Act sections, EPF Act, Payment of Gratuity Act 1972), with current FY 2025-26 thresholds.

What you can calculate here

  • HRA exemption under section 10(13A) for metro and non-metro renters
  • Take-home salary from CTC, after PF, professional tax and TDS (coming soon)
  • Gratuity under the Payment of Gratuity Act, 1972 (coming soon)
  • Leave encashment at retirement or resignation (coming soon)
  • In-hand salary breakdown with all standard salary components

Why these are different

Most CTC calculators online inflate take-home by ignoring TDS, professional tax (state-specific), or by using outdated standard deduction values. Calxo’s tools use FY 2025-26 numbers and apply each calculation per the rule that actually governs it — not a simplified rule of thumb.

If you’re negotiating an offer or restructuring a salary slip, start with the HRA calculator — for most renters in tier-1 cities, that’s the single biggest tax-relevant component to get right.

Salary & HR CTC

Take-Home Salary Calculator: CTC to In-Hand (FY 2025-26)

Free CTC to take-home salary calculator for India FY 2025-26. Subtracts employer PF, gratuity provision, …

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Salary & HR HRA

HRA Calculator: Calculate House Rent Allowance Exemption (Section 10(13A))

Free HRA exemption calculator under section 10(13A) of the Income Tax Act. Computes the exempt portion as the …

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Salary & HR GRAT

Gratuity Calculator: Payment of Gratuity Act, 1972 (Covered & Non-Covered)

Free gratuity calculator using the exact formula from the Payment of Gratuity Act, 1972. Computes gratuity for …

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Salary & HR EPF

EPF Calculator: Calculate Your PF Balance at Retirement (Free)

Free EPF calculator for Indian salaried employees. Estimate your Provident Fund corpus at retirement based on …

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About Calxo. Who runs this site

Calxo (calxo.in) is a free, ad-light calculator platform built for Indian users. Every tool covers EMI, SIP, GST, income tax, FD, PPF, salary, and conversions, using Indian rules, INR, and current tax slabs (not generic global formulas).

Publisher

Calxo is operated by Vignesh Sampath Kumar, an SEO Lead at PipeRocket Digital in Chennai and the founder of EVBlogs.in. Vignesh personally writes and reviews every calculator page.

Editorial standards

  • Formulas verified against RBI, Income Tax Department, CBDT, and GST Council sources
  • Updated the same week tax slabs or rules change
  • No paid placements; no affiliate links inside calculators
  • All calculations run in your browser; inputs are never stored

Contact

Corrections, suggestions, or partnership: avmedianews321@gmail.com

Based in India. Founded 2026.

Disclaimer: Calxo is a calculation tool, not financial, legal, or tax advice. For decisions that affect your money in any meaningful way, talk to a SEBI-registered financial advisor or a Chartered Accountant. We update formulas the same week laws change, but we're not liable for outcomes from calculator outputs. Read our Terms and Privacy Policy.