The benchmark suite for salary calculators & HR tools.

Quick answer: Choose the regime that gives you the lower tax outgo after considering your deductions. If you claim minimal deductions, the New regime’s lower slab rates and built‑in standard deduction often win. If you consistently claim sizable deductions (HRA, home‑loan interest, Section 80C/80D, donations, etc.), the Old regime can still produce a higher take‑home.

Our calculator compares both side‑by‑side. Start by entering your realistic deductions—not the maximum theoretical ones. Include employer PF contribution, your own 80C plans (EPF/PPF/ELSS), medical insurance premiums, education loan interest, and eligible HRA. Note that some allowances/exemptions aren’t available in the New regime, so the effective break‑even depends on your mix rather than a single number.

Practical tip: run two scenarios—(1) conservative deductions you’re sure of, and (2) stretch deductions you could achieve with a planned investment. If the Old regime only wins in the stretch case by a narrow margin, the New regime’s simplicity may be worth it. Remember: employers typically lock your choice for the year (with a final selection at return filing), so decide early and keep records. Related terms: Section 115BAC, standard deduction, HRA exemption, 80C/80D/24(b).

Quick answer: We estimate federal withholding, FICA (Social Security + Medicare), your state’s income tax (and local where commonly applied), and net pay across pay frequencies. We also model pre‑tax deductions (401(k), HSA, commuter) and post‑tax deductions so you can see how each choice changes your take‑home.

You can adjust filing status, W‑4 dependents/credits, additional withholding, and contributions. Where a state offers special credits or brackets, we apply typical rules; if a locality requires extra tax (e.g., some cities/school districts), we include the common cases. Items we don’t estimate: complex supplemental wage handling unique to your employer, rare municipal surcharges, or company‑specific benefit cost tables. For that, use our breakdown to sanity‑check your pay stub, then refine with your HR/benefits portal numbers.

Best practice: try three setups—no deductions, moderate 401(k)/HSA, and your target savings rate—so you can compare net pay and annual tax. Then export the results to share with your manager or recruiter. Related terms: W‑4, withholding estimator, state income tax, net pay, FICA, paycheck stub.

Quick answer: We start with a realistic basket—housing, utilities, transport, food, healthcare, and essentials—then scale it by city tier, neighbourhood typicals, and household size. We also apply a classic rent‑cap guideline (~30% of take‑home) so the plan stays sustainable.

Pick a city or tier, select solo/couple/family, and plug in your salary. The tool computes a month‑by‑month budget, flags the likely surplus/deficit, and offers a “stretch” view if rent edges above the cap in popular neighbourhoods. We make sensible assumptions (e.g., prepaid electricity, internet at current market plans, metro/bike/ride‑hailing mix). If you have special costs—daycare, EMIs, frequent travel—add them to see your real runway.

The goal isn’t a “bare minimum,” but a workable lifestyle baseline for professionals. Combine it with our India in‑hand calculator to see how regime choice or PF changes tilt your budget. Open the Cost of Living tool. Related terms: COL, city budget, rent cap, Tier‑2 cities, lifestyle cost.

Quick answer: Under the Payment of Gratuity Act, a common formula is roughly 15 days of last drawn basic pay for every completed year of service (industry standard uses a 26‑working‑day month). We model the standard approach and highlight assumptions and caps so you can explain the figure to HR or auditors.

Enter basic pay, years of service, and employer type if relevant. We’ll show the computed gratuity, how rounding works for partial years, and typical caps where applicable. Because policies can differ (e.g., higher internal limits, different treatment of allowances, or exceptional settlements), treat the result as a precise starting point for discussion rather than a legal determination. The calculator prints a clean explanation you can attach to exit paperwork.

For ongoing planning, pair this with our hike planner: see how changes to basic pay affect future gratuity and in‑hand pay. Try the Gratuity tool. Related terms: gratuity formula, basic pay, 15/26 rule, service years, separation benefits.

Quick answer: An audit‑ready slip is clear, consistent, and reconcilable. It should show employer identity, employee details, period, earnings split (basic, HRA, allowances, OT), statutory deductions (PF/ESI/PT or FICA/State), other deductions, net pay and a trail that adds up without ambiguity.

Our generator enforces required fields, validates totals, and formats values/units consistently. You can add employer branding, map your component names, and export a locked PDF. Optional extras—net pay in words, unique payslip ID, approver signature block—make audits faster. Because slip formats vary by company and country, we include inline notes so reviewers understand any departures from their template. If you use the US calculator, you can align the slip with YTD figures for easy cross‑checks.

Result: fewer back‑and‑forths with finance and faster employee confirmations. Generate a salary slip. Related terms: payslip, payroll proof, YTD, deductions, compliance.

Quick answer: Yes—export PDF for sign‑off, CSV for spreadsheets, and copy a clean summary for email/chat. Most tools include labels and notes so anyone can audit inputs and re‑run the scenario without guesswork.

Recruiters often export two versions: one conservative (no discretionary perks) and one full package (bonus, benefits, stock). Finance teams like CSV to plug into offer trackers. If you’re comparing cities, append the Cost‑of‑Living snapshot so the conversation centers on net quality‑of‑life, not just monthly CTC/gross. Your exports don’t include personal identifiers unless you add them, which keeps sharing safe by default.

Need to re‑use a scenario later? Save your inputs as a template, then update only the moving parts (CTC or state/city) when a new candidate comes along. Related terms: export PDF, CSV download, share link, compensation summary, audit trail.

Quick answer: We cover the most common real‑world wrinkles: joining mid‑month, pro‑rata salary, variable bonuses (discretionary vs guaranteed), LTA, meal/transport allowances, and PF treatment within statutory caps. Each input displays plain‑English notes so you know exactly how it’s applied.

That said, payroll has regional and company‑specific twists. If your offer letter contains unusual structures (e.g., large reimbursements, custom retention plans, or city‑specific surcharges), model them using our “other earnings/deductions” fields and annotate the export so approvers understand intent. When we see patterns across customers, we graduate them into first‑class fields so everyone benefits.

Tip: keep complex perks out of the “basic” bucket unless they truly are basic; this preserves PF/withholding logic and makes audits cleaner. Related terms: arrears payout, variable pay, CTC structure, allowances, pro‑rated salary.

Quick answer: We collect the minimum necessary to run a calculation and improve the product. Most inputs are computed in your browser; exports include only what you choose to include. We don’t sell data. We keep logs aggregated and anonymized for reliability metrics (e.g., which tools are used), not for profiling.

If you add personally identifiable information to a slip/export (e.g., employee name), it lives only in that file you download. For support requests, share redacted screenshots whenever possible. Want your data removed from support threads? Ask us and we’ll wipe it. You can use the tools without an account; paid features store just enough to manage your subscription and settings.

Security is a journey, not a checkbox. We harden endpoints, review dependencies, and limit access by role. If you’re privacy‑sensitive, run the calculators, print, and save locally—that flow works great. Related terms: data privacy, PII, browser compute, security, compliance.

Quick answer: We prioritize what helps recruiters, HR and finance make faster, clearer decisions. Near‑term, that means: deeper India/US payroll nuances, richer salary‑slip templates, smarter city presets, and more export options. Next: additional countries where customers have active hiring pipelines.

We also explore light integrations (ATS/HRIS and spreadsheets) so you can push offers and budgets where your team already works. If you’d like a specific country, state, or feature fast‑tracked, tell us how you’ll use it—real workflows help us ship the right defaults. We announce changes in our blog and note the effective tax year at the top of each tool so you know exactly what’s live.

You can always reach out with requests via the Contact page; include examples and we’ll share a workaround or add your use‑case to the queue. Contact us. Related terms: product roadmap, payroll integration, country coverage, HR tools, hiring.