Take-Home Salary Calculator — How CTC Becomes In-Hand Pay (Payslip Breakdown)
Decode your CTC to in-hand salary for FY 2025-26. Full payslip breakdown — basic, HRA, special allowance, EPF, gratuity, professional tax, TDS — with worked examples.

Decode your CTC to in-hand salary for FY 2025-26. Full payslip breakdown — basic, HRA, special allowance, EPF, gratuity, professional tax, TDS — with worked examples.

HRA exemption rules for FY 2025-26. The 50%/40% metro rule, the three-test formula, rent receipt requirements, landlord PAN rule, and a working calculator.

We rank every Section 80C option for FY 2025-26 by post-tax return, lock-in, and risk. PPF, ELSS, NPS, tax-saving FD, life insurance — what to actually pick.

Compare old vs new tax regime for FY 2025-26 with the ₹12 lakh Section 87A rebate. Live calculator, slab-wise math, and the income breakeven where each regime wins.

HDFC Diners Club Black (₹10K fee) vs ICICI Emeralde Private Metal (₹12,499 fee): rewards rate, lounge access, hotel/airline tie-ups, and which premium card actually pays more for ₹15-30L annual spend.

Axis Magnus Burgundy (Burgundy Private invitation, 0% forex, 25X Travel EDGE) vs ICICI Emeralde Private Metal (Wealth invitation, unlimited golf, ₹3 Cr medical). Real reward math for FY 2026-27.

HDFC Infinia (₹12,500 fee, invitation-only) vs Axis Magnus Burgundy (Burgundy customers only): Visa Infinite vs Mastercard World Elite, SmartBuy vs Magnus Marvel, which top-1% premium card actually wins for HNI Indians in 2026?

SSY is India’s highest-return tax-free savings scheme for girls under 10 — currently 8.2% tax-free with EEE status. Eligibility, deposit limits, withdrawal rules, and worked corpus examples for 2026.

Balance transfer lets you move credit card debt from one issuer to another at lower interest. Real cost analysis for 2026 (processing fee + GST), best transfer offers, and when it actually saves money.

Choosing health insurance in India: sum insured math, floater vs individual, top-up strategy, what features matter, and how to compare insurers by claim settlement ratio in 2026.

ICICI Amazon Pay (5% Prime, 3% non-Prime) vs Flipkart Axis (5% Flipkart, 4% Myntra/Swiggy/Uber): which e-commerce card actually pays more for your shopping mix in 2026?

Best shopping credit cards for Indians — ICICI Amazon Pay, Flipkart Axis, Kotak Myntra, HDFC Millennia. Platform-specific picks, the 2-card stack that returns 38× ROI on fees.