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
• Gratuity under the Payment of Gratuity Act, 1972
• Leave encashment at retirement or resignation, under Section 10(10AA)
• Notice period buyout — pay in lieu of notice, resignation or early relieving
• Statutory bonus under the Payment of Bonus Act, 1965
• Salary arrears from Basic revision or DA rate changes
• 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Most CTC calculators online inflate take-home by ignoring TDS, professional tax (state-specific), or by using outdated standard deduction values.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.