Salary, Retirement & Savings Calculators
Four calculators for the full salary-to-retirement lifecycle — structure your CTC with a tax-efficient allowance mix, verify your gratuity entitlement on separation, plan your retirement corpus under NPS, and project long-term savings yield under PPF with current interest rates.
Each tool cites the relevant statutory section so you can audit the output cell by cell — section 10(10) for gratuity exemption, sections 80CCD(1)/(1B)/(2) for NPS deductions, and the applicable PPF rate notification under the Small Savings Schemes.
Compensation planning in India has two moving parts. The first is the monthly take-home — driven by CTC structure, the old regime versus new regime choice, and the tax-efficiency of individual allowances like HRA and LTA. The second is the retirement corpus — built through a combination of EPF or NPS at the workplace, gratuity on separation, and long-horizon small-savings schemes such as PPF.
The calculators in this section model both. The Salary / CTC Calculator breaks up your cost-to-company into basic, HRA, special allowance, PF, and gratuity contributions so you can reverse-engineer your in-hand pay. The Gratuity Calculator handles both covered and non-covered employees with the ₹20 lakh exemption ceiling under section 10(10). The NPS Calculator projects corpus to age 60 with annuity split, tier-wise tax treatment, and the additional ₹50,000 deduction under 80CCD(1B). The PPF Calculator models the full 15-year lock-in with extension blocks.
Calculators in this category
4 calculatorsSalary / CTC Calculator
Break up CTC into basic, HRA, special allowance, PF, and gratuity with monthly take-home projection.
Calculate →Gratuity Calculator
Section 10(10) exemption with the ₹20 lakh ceiling for covered and non-covered employees.
Calculate →NPS Calculator
Corpus projection to age 60 with 80CCD(1), 80CCD(1B), and 80CCD(2) tax benefit and annuity split.
Calculate →PPF Calculator
Year-wise balance for the 15-year lock-in with extension blocks at the current notified rate.
Calculate →Need a downloadable Excel version?
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