Practical tools and editorial guides for decisions about offers, cash, work, and what comes next. The tools show their assumptions; guides separate editorial context from facts still to verify.
Start with a decision tool
- CTC Calculator India: Estimate In-Hand Pay — Enter fixed pay, target variable, a PF basis and professional tax to estimate AY 2026–27 new-regime in-hand cash; assumptions and limits are shown.
- Compare Job Offers: CTC and Take-Home — Compare two written CTC breakdowns with separate zero-variable and full-target take-home estimates, employer costs, and entered first-year transition costs.
- Compare Old vs New Tax for AY 2026–27 — Estimate salary-only tax under both regimes for a resident individual below age 60; verify eligible deductions in the official calculator.
- Gratuity Worksheet: Limited Formula Illustration — Test a limited gratuity formula against entered wage and service details, with dated Ministry sources and clear exclusions; it is not an eligibility decision.
- Notice Period and Leave Pay Calculator — Estimate notice pay and unused leave from amounts, divisor and days in your written terms; state leave rules and employer policy may differ.
Read a sourced guide
- CTC vs Take-Home Pay: Read a Job Offer — Separate fixed pay, variable CTC, joining bonus, employer PF and reimbursements before using a job offer to estimate monthly in-hand salary.
- Career Change Savings: Runway, Debt and Costs — See how liquid savings, monthly expenses, loan payments and employer equity change the risk of leaving or switching jobs.
- Freelancing in India: Test Income and Client Risk — Plan a side hustle or freelance switch by checking paid demand, scope, payment terms and time before relying on it for income.
- Career Switch or Further Study: Cost and Proof — Compare a course or career change with a small work-sample test, including time, fees, skill evidence and the work it could enable.
- Job Interview Preparation: Evidence and Questions — Prepare for a job interview with work examples, questions for the hiring team and a clearer written picture of the role and offer.