Your CTC is a marketing number.
Hisaab shows what actually lands in your bank — and the exact tax math behind every rupee. Eleven calculators. No ads, no sign-up, nothing you type ever leaves your browser.
In-hand salary calculator
The number HR quoted vs the number your bank sees. Old and new regime side by side, with EPF, professional tax, the ₹12.75L zero-tax line and marginal relief.
Old regimeHRA exemption calculator
Paying rent but not sure how much of your HRA is tax-free? The least-of-three rule, worked out in the open.
Sold stocks?Equity capital-gains tax
Know the damage before you file: STCG 20%, LTCG 12.5% over ₹1.25L, and how losses offset gains.
InvestingSIP vs lumpsum
Same money, two ways in — see both futures side by side before you argue about it on Reddit.
InvestingStep-up SIP
Your salary grows every year. Should your SIP? See what a 10% annual bump does over a decade.
PlanningGoal planner
"₹1 crore for the kid's education" costs a lot more than ₹1 crore by the time you need it. Plan against the real number.
RetirementEPF calculator
Your PF at the declared 8.25% — computed the official EPFO way, not the shortcut most sites use.
Rules changed Dec 2025NPS calculator
The new 80/20 exit split, the 60% tax-free trap, and what your corpus buys as monthly pension.
Leaving a job?Gratuity calculator
The 15/26 formula, the six-month rounding rule everyone gets wrong, and the ₹20L tax cap.
The eternal debateRent vs buy
EMI and appreciation vs rent and invested savings — who's actually richer after ten years, with your numbers.
Why this exists
Search "in-hand salary calculator" and count the ad units before you find the input box. Most Indian finance calculators are ad farms with a formula bolted on — and half of them are still running last year's slabs.
Hisaab is the opposite bet: correct numbers, current rules, zero clutter. Every calculator has a show the math panel because a number you can't verify is just a rumour with confidence. The rates live in one config file, cross-checked against official sources and locked with tests, and the whole thing is open source.
— Samyak, software engineer, tired of counting ad units
Questions people ask
Is anything I type stored or sent anywhere?
No. Every calculator runs entirely in your browser — there is no server, no account, no analytics script, and no cookie. Close the tab and it's gone.
Why should I trust the numbers?
Every formula is cross-checked against at least two independent sources (official portals plus ClearTax, Zerodha and the like) and locked in with automated tests before a page ships. The whole site is open source — you can read the exact formula behind any result.
Old regime or new regime — which is better for me?
Whichever leaves more in your bank for your specific numbers — it mostly depends on how much you actually claim in deductions like HRA, 80C and home-loan interest. The salary calculator computes both regimes side by side so you can see the difference instead of guessing.
Hisaab is for information and educational use only and is not financial, tax, or investment advice. The calculators compute figures from the inputs you provide; they do not recommend any course of action. Tax outcomes depend on your full circumstances — consult a qualified professional before acting. Figures are rounded; verify against official sources.