Work out your tax, salary and loan numbers, with every step shown
Free calculators built on the 2026-27 rules: income tax under both regimes, in-hand pay, HRA, EPF, EMI and GST. There are PDF and image tools too. It all runs in your browser, so your salary figures and your files stay on your device.
- 102 free tools
- Rules checked against official text, with dates
- No sign-up, nothing uploaded
What do you want to work out?
₹15 lakh salary, new regime, tax year 2026-27
That is ₹8,125 a month through TDS. To match it, the old regime needs ₹5,43,750 of deductions on top of its standard deduction.
Sound familiar?
Four questions people bring here
Each one has a page that shows the working, so you can check it against your payslip, your rent receipts or your bank's letter.
"My CTC is ₹12 lakh. Why is so little reaching my bank?"
You get every line of the slip checked, from the 50% wage rule to PF at the ₹25,000 ceiling.
Salary slip check →"HR wants my regime choice by Friday. Which one?"
You get both regimes side by side and the deductions you would need to break even.
Old vs new regime →"I pay ₹35,000 rent. Why is part of my HRA still taxed?"
You get the three limits worked out and see which one caps your exemption.
HRA exemption calculator →"The portal wants a smaller PDF, and I don't want to upload my documents."
You get a smaller file, made on your own device. Nothing goes to a server.
Compress PDF →Three ways in
Start from where you are
Pick the one that sounds like you. Each starts on the page most people in that spot need first.
I have an offer letter or a payslip
Start with CTC to in-hand, then run the income tax calculator on the same figures. The old vs new system ties both together.
CTC to in-hand →
I run a shop or a small business
Start with the GST invoice check: the right rate, CGST and SGST or IGST, and the fields every invoice needs. Then check your margin.
GST invoice check →
I just need to fix a file
Merge, split or compress a PDF, or resize and convert an image. The file stays on your device the whole time.
PDF tools →Picks
Twelve places to start
Our strongest calculators and systems, most of them tested against official calculators, plus three file tools.
Income tax calculator
Both regimes for 2026-27, slab by slab, with rebate, marginal relief and cess.
Open →Old vs new tax regime
Three steps from salary figures to a choice, plus a printable page for your employer.
Open →CTC to in-hand salary
Monthly take-home after PF, gratuity, professional tax and TDS, on the new wage rules.
Open →
HRA exemption
The least of three limits, month by month, with the eight 50% cities for 2026-27.
Open →EPF calculator
Your 12%, your employer's split between EPF and EPS, and the balance at 58.
Open →EMI calculator
Prepayments, a rate change mid-loan and the true APR, with a month-by-month schedule.
Open →SIP calculator
Yearly step-up, a goal mode and the capital gains tax when you redeem.
Open →
GST invoice check
Rate, place of supply and the rule 46 fields, checked line by line.
Open →Gratuity calculator
15 days' wages per year of service, on the new definition of wages.
Open →Tax on a ₹13 lakh salary
Why ₹13 lakh can leave you with less than ₹12.75 lakh does.
Read →Merge PDF
Join scans and statements into one file, in the order you choose.
Open →Image compressor
Bring a photo under a size limit without sending it anywhere.
Open →Worked out
Five answers, drawn out
Each drawing comes from a worked example on the site. The numbers are the ones the calculators give.
How much the old regime needs to break even
Where a ₹1,00,000 monthly CTC goes
HRA in Hyderabad: three limits, the lowest wins
One GST invoice, two buyers
A single day decides an age limit
Systems
When one number isn't enough, follow a system
A system walks you through a whole job in a few steps, using the calculators along the way. Each one ends with a free printable worksheet.
Old vs new tax regime
Salary figures, then HRA, then both regimes side by side.
Salary slip check
Split the CTC, check wages, PF, PT, ESI and TDS, match the bank credit.
HRA exemption
Conditions, rent records, split the year, least of three, Form 124.
GST invoice check
Document type, HSN and rate, the split, tax per line, rule 46 fields.
Age on a cut-off date
How exam and admission forms count your age "as on" a date.
Changed this year
New rules in the 2026-27 numbers
The calculators already use these. If an older article online gives you a different figure, one of these may be the reason.
days left in tax year 2026-27 (it ends on 31 March 2027).
From 1 April 2026
A new Income-tax Act
The Income-tax Act, 2025 replaces the 1961 Act, so the section numbers change. Old 80C is now section 123, and the rebate is section 156.
Income tax calculator →From 17 September 2026
PF ceiling up to ₹25,000
The wage ceiling went from ₹15,000 to ₹25,000. September salaries were split across the two ceilings.
EPF on ₹25,000 basic →From 21 November 2025
Wages must be half your pay
Under the labour codes, PF and gratuity are worked out on wages of at least 50% of total pay.
Gratuity calculator →Tax year 2026-27
Eight cities at 50% for HRA
The 50% limit used to cover four metros. Eight cities get it now, Hyderabad among them.
HRA exemption →Still pending
8th Pay Commission
There is no official fitment factor yet. Any new-pay figure is an estimate, and the calculator says which factor it assumed.
8th Pay Commission →Rate till 31 December 2026
Post office RD at 6.7%
Small-savings rates are reset every quarter. The RD calculator flags when a new quarter starts.
RD calculator →Short answers
Common questions, worked out
New regime, tax year 2026-27, unless the card says otherwise. Each answer page lets you change the figures.
Tax on a ₹10 lakh salary
₹9,25,000 is taxable after the standard deduction. The section 156 rebate cancels the ₹32,500 of slab tax, and you have ₹2,75,000 of room for other income.
See the working →Tax on a ₹13 lakh salary
Marginal relief caps the tax, but ₹13 lakh still leaves you with ₹1,000 less than ₹12.75 lakh does. Take-home only catches up at about ₹13.49 lakh.
See the working →Tax on an ₹18 lakh salary
That is ₹12,567 a month. For the old regime to match, you need ₹6,41,667 of deductions, and most of that has to come from HRA.
See the working →EPF on ₹25,000 basic
₹3,000 is cut from your pay and your employer adds ₹3,000. ₹2,083 of the employer's share goes to EPS, so ₹3,917 reaches your EPF balance.
See the working →EMI on a ₹50 lakh home loan
At 8.5% for 20 years. Pay ₹1 lakh extra every March and keep the EMI: interest drops from ₹54.14 lakh to ₹34.33 lakh, and the loan ends 6 years 5 months early.
See the working →Rent paid to a parent for HRA
That is the family's real gain in a Mumbai case, against the ₹1,87,200 drop in your old-regime tax. Your parent's side of the tax counts too.
See the working →How it works
Three steps, no account
Pick a calculator or a tool
Use the picker at the top, the menu, or one of the systems if the job has several parts.
Type your own figures
Salary, rent, loan amount or a file. The sums run on your device as you type.
Read the answer and the working
Every result shows its formula, the rule it follows and the date we checked it. Print it or copy it out.
Why you can trust it
Built on the official text, and tested
Rules read at the source
Rates and limits come from the Act, notifications and circulars themselves. Each page names its source and the date we last checked it.
Checked against official calculators
We test the engines against hand-worked cases and against official and bank calculators, such as the tax department's HRA calculator and SBI's FD method.
Your numbers stay with you
No sign-up, no upload. Salary figures and files never leave your browser. The results are planning estimates, not tax or investment advice.
Where the numbers come from: Income Tax Department (Income-tax Act, 2025, Rules 2026 and rate tables), CBIC (GST notifications and rule 46), EPFO (wage-ceiling FAQs and circulars), the Ministry of Labour and Employment (labour code FAQs), RBI, India Post and DICGC. Read how we test, our editorial policy and the trust center.
FAQ
Questions about the site
What is NineClip Tools?
A free set of 102 tools that run in your browser. Most are money calculators for India: income tax for 2026-27 under both regimes, in-hand salary, HRA, EPF, gratuity, EMI, SIP, FD, RD and GST. The rest handle PDF, image, text and developer jobs.
Is it free? Do I need to sign up?
Every tool is free and there is no account. You open a page and use it.
Where do the tax and salary numbers come from?
From the official text: the Income-tax Act, 2025 and the department's rate tables, CBIC notifications for GST, EPFO circulars for PF, and the labour codes for wages and gratuity. Each calculator names its sources and the date we last checked them.
Is my salary or my PDF sent anywhere?
No. The sums and the file work happen in your browser on your own phone or laptop. Nothing you type or open is uploaded.
Can I use the results to file my return?
Use them to plan and to check your payslip or your employer's figures. They are estimates, not tax or investment advice. For a filing decision, check with the department's own calculator or a tax professional.
Photos: 5 photographers on Pexels (Ketut Subiyanto, Prem Kumar, Pavel Danilyuk, Kindel Media, SRIPADA STUDIOS).