A ₹15 Lakh CTC doesn't mean ₹15 Lakh in your bank account.
Precise, inflation-accurate money tools built for Indian salaried professionals. See what you actually keep, what a raise is really worth, and when you could walk away from work for good.
Choose your calculator
In-Hand Salary
What actually reaches your account
Your CTC and your take-home are two very different numbers. See what really lands each month — on real FY 2026-27 tax slabs, not rough estimates.
FIRE / Freedom Engine
Can you retire by 40?
Home Loan
Does your new apartment really cost what you see on paper?
Salary Hike
Your 30% raise isn't 30% more cash
Why trust these numbers
Real tax rules, not estimates
Built on the actual FY 2026-27 slabs, the ₹12L rebate, marginal relief, and cess — computed on gross salary, so the take-home matches your real payslip.
Private by design
No signup, no login, no data stored. Everything runs in your browser — your numbers never leave your device.
Built for the long game
Inflation-adjusted math that shows the real picture over decades — not a magic number, but every assumption laid out so you can see exactly how it's calculated.
Frequently asked questions
Why is my in-hand salary less than my CTC?+
Your CTC includes things that never reach your bank account — employer PF contributions, gratuity, and other benefits — plus deductions like income tax, your own PF, and professional tax. RealSalary calculates your actual take-home on the real FY 2026-27 tax rules, so you see what genuinely lands in your account each month, not just the headline number.
How accurate is this salary calculator?+
It uses the actual FY 2026-27 income tax slabs, the ₹12 lakh rebate, marginal relief, and cess — computed on your gross salary, exactly the way your payroll does it. Both the New and Old tax regimes are supported so you can compare. The numbers are built to match your real payslip, not rough estimates.
Do you store my salary or personal data?+
No. There's no signup, no login, and nothing is stored. Every calculation runs entirely in your browser — your numbers never leave your device and never reach any server.
What is FIRE, and what's a “freedom number”?+
FIRE stands for Financial Independence, Retire Early. Your “freedom number” is the total corpus you'd need invested so that its returns can cover your living expenses for life — letting you stop working whenever you choose. Our FIRE calculator estimates yours based on your spending, savings, and investment growth, adjusted for inflation.
Why do the retirement numbers look so large?+
Because they're shown in future rupees. Prices rise every year — just like things cost far more today than they did 20 years ago — so the same lifestyle will simply cost more decades from now. The large figures aren't an error; they're what your future expenses realistically become after inflation.
Is this calculator free to use?+
Completely free. All three tools — the in-hand salary calculator, the salary hike calculator, and the FIRE freedom calculator — are free to use, with no signup and no limits.
Are these calculators accurate for FY 2026-27?+
Yes. All tax logic reflects the FY 2026-27 rules, including the New Regime slabs, the ₹12 lakh rebate that makes income up to ₹12 lakh effectively tax-free, marginal relief, and the 4% cess.