NiveshNivesh
Link copied!
S

Salary Calculators

Browse all of Nivesh's free salary calculators in one place: CTC to in-hand, gratuity, salary hike, take-home pay, and leave encashment.

5 calculators

Your CTC, your payslip, and your bank balance rarely match, and the gap comes down to specific, calculable rules: how much of your CTC never reaches your payslip, what a hike compounds to over a few years, and what a lump-sum payout like gratuity or leave encashment is actually worth after tax. These calculators walk through each of those gaps explicitly.

All Salary Calculators
CSalary
CTC to In Hand Calculator
Convert your annual CTC into an estimated monthly take-home salary.
Try it
GSalary
Gratuity Calculator
Estimate the gratuity payable to you based on tenure and last drawn pay.
Try it
SSalary
Salary Hike Calculator
See your new monthly and annual pay after a percentage hike.
Try it
TSalary
Take-home Pay Calculator
Break down every deduction between your gross pay and net salary.
Try it
LSalary
Leave Encashment Calculator
Work out the tax-exempt and taxable portions of your encashed leave.
Try it

How to think about salary calculators

A few principles worth knowing before you run the numbers.

1CTC isn't your take-home pay

A meaningful chunk of your CTC, including the employer's own PF contribution and the gratuity provision, never appears on your monthly payslip at all. Start with the CTC to In Hand Calculator to see exactly where that gap comes from.

2Lump-sum payouts have their own tax rules

Gratuity and leave encashment aren't taxed like regular salary. Each has its own exemption formula, ceiling, and eligibility conditions that a simple slab-rate calculation would miss.

3A hike compounds, it doesn't just add

The same percentage hike repeated every year grows your pay faster than simple multiplication suggests. The Salary Hike Calculator shows the actual compounding effect, in both nominal and inflation-adjusted terms.

4Take-home pay depends on more than your slab rate

PF, ESI, and professional tax all come out before tax is even calculated. The Take-home Pay Calculator walks through every deduction in order, not just the final tax bill.

Explore other categories
IInvestments12LLoans10TTaxation8SSavings6RReal Estate4RRetirement5GGeneral Finance5
View all calculators

Frequently asked questions

Straight answers to the questions we hear most about Salary calculators.

Why is my in-hand salary so much lower than my CTC divided by 12?
CTC includes employer-side costs you never receive monthly, including the employer's own PF contribution and the gratuity provision, plus your own PF contribution, professional tax, and income tax all come out before you're paid. In-hand often runs 20-30% below CTC ÷ 12.
Is gratuity taxed the same way as my salary?
No, gratuity is exempt up to ₹20 lakh (a lifetime limit across employers) under Section 10(10), taxed only on the amount above that, rather than added straight to your slab-rate income like regular salary.
What's the difference between the CTC to In Hand and Take-home Pay calculators?
CTC to In Hand starts from your total CTC and estimates a Basic/HRA split using typical percentages. Take-home Pay instead takes your actual Basic, HRA, and allowances directly, useful if you already know these from a payslip rather than just a single CTC figure.
Does a salary hike apply to my CTC or my in-hand pay?
Hikes are almost always quoted and applied against your CTC, not your in-hand pay. The same percentage hike can translate into a smaller-looking increase in your monthly take-home once deductions scale up alongside it.
Is leave encashment always tax-free?
No, it's fully taxable if encashed while you're still employed. Only encashment at retirement or resignation qualifies for an exemption, and even then only up to the smallest of four separate limits, not automatically tax-free in full.
Why does ESI apply to some salaries and not others?
ESI only applies if your gross monthly wage is at or below ₹21,000 (₹25,000 for employees with disabilities). Cross that threshold and it stops applying entirely, unlike PF which just proportionally caps instead.

Learn more

Articles to go deeper on the ideas behind Salary calculators.

Fundamentals
CTC vs. gross salary vs. net salary, explained
Untangling the three numbers on your offer letter and payslip.
5 min read
Fundamentals
Gratuity's ₹20 lakh cap, explained
Why the same figure caps both the payout and the tax exemption, for different reasons.
5 min read
Fundamentals
Nominal vs. real salary growth, explained
Why the number on your payslip isn't the same as your actual buying power.
4 min read