# TakeHomeWorld > Free pay, tax and entitlement calculators by country: take-home pay, income tax, withholding, leave and redundancy for Australia, New Zealand, Canada and India, with every rate sourced. Every calculator is free, needs no sign-up and runs in the browser (inputs are not uploaded). Each tool page lists the rates it uses with their official source and the date we checked them; results are estimates, not tax or legal advice. - [Methodology and rate register](https://takehomeworld.com/methodology): how rates are sourced, tested and re-checked, with every figure in one table per country. - [Key figures for every tool](https://takehomeworld.com/llms-full.txt) ## Australia Work out take-home pay, the tax your employer withholds, your tax for the year, HELP repayments and your leave and redundancy entitlements, using the ATO and Fair Work rules for 1 July 2026 to 30 June 2027. - [Australian pay, tax and leave calculators for 2026–27](https://takehomeworld.com/australia) - [Australian Pay Calculators 2026–27](https://takehomeworld.com/australia/pay) - [Australian Tax Calculators 2026–27](https://takehomeworld.com/australia/tax) - [Stamp Duty Calculators by State](https://takehomeworld.com/australia/property) - [Australian Leave & Redundancy Calculators](https://takehomeworld.com/australia/leave) - [Pay Calculator](https://takehomeworld.com/australia/pay/calculator): On an $80,000 salary in 2026–27 your employer withholds $622 a fortnight, so you take home $2,454.92 a fortnight; over the year, once your tax is assessed, you keep $63,880 ($2,456.92 a fortnight on average). - [Salary Calculator](https://takehomeworld.com/australia/pay/salary-calculator): A $72,000 salary leaves you $58,440 after tax in 2026–27: $4,870.00 a month, $2,247.69 a fortnight or $1,123.85 a week, averaged over the year. - [Income Tax Calculator Australia](https://takehomeworld.com/australia/income-tax-calculator): Tax on a taxable income of $80,000 in 2026–27 is $14,520, plus a Medicare levy of $1,600: $16,120 in all, 20.2% of your income. - [Tax Withheld Calculator (PAYG)](https://takehomeworld.com/australia/tax-withheld-calculator): On weekly earnings of $1,500, an employee who claims the tax-free threshold has $299 withheld (scale 2), leaving $1,201.00. This calculator applies the ATO's Schedule 1 formulas and rounding for every scale, adds the Schedule 8 study loan component and handles working holiday makers under Schedule 15. - [Tax Return Calculator](https://takehomeworld.com/australia/tax-return-calculator): On an $80,000 salary with $1,500 of deductions, the tax withheld over 2026–27 comes to about $16,172.00 and the tax assessed to $15,640.00, so you would get a refund of about $532.00. Enter your income, deductions and the tax withheld on your income statement for your own estimate. - [GST Calculator Australia](https://takehomeworld.com/australia/gst-calculator): GST in Australia is 10%, so the GST in a GST-inclusive price is one-eleventh of it: $110 includes $10 of GST on a $100 price. - [Medicare Levy Calculator](https://takehomeworld.com/australia/medicare-levy-calculator): The Medicare levy is 2% of taxable income: $1,600 on $80,000. Singles pay nothing up to $28,011 and a reduced levy up to $35,013: on $29,000 it is $98.90. Enter your income to check the levy, the family reduction and the surcharge. - [HECS-HELP Repayment Calculator](https://takehomeworld.com/australia/hecs-help-repayment-calculator): With $80,000 of repayment income in 2026–27, the compulsory HELP repayment is $1,570.80: 15 cents for each dollar over $69,528. Since 2025–26 repayments are marginal, so only the income above the threshold is counted. - [Redundancy Pay Calculator](https://takehomeworld.com/australia/redundancy-pay-calculator): After 5 years with an employer of 15 or more people, the NES minimum redundancy pay is 10 weeks at your base rate: $15,000 on $1,500 a week, plus 3 weeks' notice or pay in lieu ($4,500). - [Annual Leave Calculator](https://takehomeworld.com/australia/annual-leave-calculator): Full-time employees on 38 hours a week accrue 152 hours of annual leave a year, so after 26 weeks they have 76 hours, worth $3,040 at $40 an hour. - [Stamp Duty Calculator NSW](https://takehomeworld.com/australia/property/stamp-duty-calculator-nsw): Stamp duty on a $1,350,000 home in NSW is $55,537 for contracts in 2026/27, and first home buyers pay nothing up to $800,000. Enter the price, who is buying and whether a buyer is a foreign person to see the duty, any concession and the surcharge. - [Stamp Duty Calculator VIC](https://takehomeworld.com/australia/property/stamp-duty-calculator-vic): Stamp duty on a $550,000 Victorian home you will live in is $24,970, $3,100 less than the $28,070 an investor pays, and first home buyers pay nothing up to $600,000. Enter the price, who is buying and whether a buyer is a foreign person to see the duty. - [Stamp Duty Calculator QLD](https://takehomeworld.com/australia/property/stamp-duty-calculator-qld): A first home buyer paying $750,000 for an established Queensland home pays $10,925 of transfer duty, against $26,775 at the general rates; on a new home or vacant land for a first home there is no duty at any price. - [Stamp Duty Calculator WA](https://takehomeworld.com/australia/property/stamp-duty-calculator-wa): A first home buyer paying $700,000 for a home in Western Australia pays $16,150 of transfer duty under the first home owner rate, against $27,265 at the general rate; up to $600,000 they pay nothing. - [Stamp Duty Calculator SA](https://takehomeworld.com/australia/property/stamp-duty-calculator-sa): Stamp duty on a $600,000 South Australian home is $26,830. First home buyers of a new home, an off-the-plan apartment or vacant land to build on pay none at any value (contracts from 13 February 2025); established homes have no first home concession. ### Australia: worked examples - [$60,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/60000-after-tax): On a $60,000 salary in 2026–27 you take home about $50,380 a year: $4,198.33 a month, $1,937.69 a fortnight or $968.85 a week. - [$65,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/65000-after-tax): On a $65,000 salary in 2026–27 you take home about $53,705 a year: $4,475.42 a month, $2,065.58 a fortnight or $1,032.79 a week. - [$70,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/70000-after-tax): On a $70,000 salary in 2026–27 you take home about $57,080 a year: $4,756.67 a month, $2,195.38 a fortnight or $1,097.69 a week. - [$75,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/75000-after-tax): On a $75,000 salary in 2026–27 you take home about $60,480 a year: $5,040.00 a month, $2,326.15 a fortnight or $1,163.08 a week. - [$80,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/80000-after-tax): On an $80,000 salary in 2026–27 you take home about $63,880 a year: $5,323.33 a month, $2,456.92 a fortnight or $1,228.46 a week. - [$85,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/85000-after-tax): On an $85,000 salary in 2026–27 you take home about $67,280 a year: $5,606.67 a month, $2,587.69 a fortnight or $1,293.85 a week. - [$90,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/90000-after-tax): On a $90,000 salary in 2026–27 you take home about $70,680 a year: $5,890.00 a month, $2,718.46 a fortnight or $1,359.23 a week. - [$95,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/95000-after-tax): On a $95,000 salary in 2026–27 you take home about $74,080 a year: $6,173.33 a month, $2,849.23 a fortnight or $1,424.62 a week. - [$100,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/100000-after-tax): On a $100,000 salary in 2026–27 you take home about $77,480 a year: $6,456.67 a month, $2,980.00 a fortnight or $1,490.00 a week. - [$110,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/110000-after-tax): On a $110,000 salary in 2026–27 you take home about $84,280 a year: $7,023.33 a month, $3,241.54 a fortnight or $1,620.77 a week. - [$120,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/120000-after-tax): On a $120,000 salary in 2026–27 you take home about $91,080 a year: $7,590.00 a month, $3,503.08 a fortnight or $1,751.54 a week. - [$130,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/130000-after-tax): On a $130,000 salary in 2026–27 you take home about $97,880 a year: $8,156.67 a month, $3,764.62 a fortnight or $1,882.31 a week. - [$140,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/140000-after-tax): On a $140,000 salary in 2026–27 you take home about $104,330 a year: $8,694.17 a month, $4,012.69 a fortnight or $2,006.35 a week. - [$150,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/150000-after-tax): On a $150,000 salary in 2026–27 you take home about $110,430 a year: $9,202.50 a month, $4,247.31 a fortnight or $2,123.65 a week. - [$180,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/180000-after-tax): On a $180,000 salary in 2026–27 you take home about $128,730 a year: $10,727.50 a month, $4,951.15 a fortnight or $2,475.58 a week. - [$200,000 after tax](https://takehomeworld.com/australia/pay/salary-calculator/200000-after-tax): On a $200,000 salary in 2026–27 you take home about $140,130 a year: $11,677.50 a month, $5,389.62 a fortnight or $2,694.81 a week. ## New Zealand Work out take-home pay after PAYE, ACC earners' levy, KiwiSaver and student loan, your income tax for the year and GST, using Inland Revenue's rules for 1 April 2026 to 31 March 2027. - [New Zealand pay and tax calculators for 2026–27](https://takehomeworld.com/new-zealand) - [NZ Pay and KiwiSaver Calculators 2026–27](https://takehomeworld.com/new-zealand/pay) - [New Zealand Tax Calculators 2026–27](https://takehomeworld.com/new-zealand/tax) - [PAYE Calculator NZ](https://takehomeworld.com/new-zealand/pay/paye-calculator): On a $70,000 salary paid fortnightly in 2026–27, PAYE is $555.58 and 3.5% KiwiSaver $94.23, so you take home $2,042.50 a fortnight. - [Income Tax Calculator NZ](https://takehomeworld.com/new-zealand/income-tax-calculator): Income tax on $70,000 in 2026–27 is $13,220.50, plus $1,225.00 of ACC earners' levy, so you keep $55,555 (20.6% goes in tax). - [GST Calculator NZ](https://takehomeworld.com/new-zealand/gst-calculator): GST in New Zealand is 15%, so the GST inside a GST-inclusive price is 3/23 of it: $115 includes $15 of GST on a $100 price. - [KiwiSaver Calculator](https://takehomeworld.com/new-zealand/pay/kiwisaver-calculator): On a $70,000 salary at the new 3.5% default rate, you put in $94.23 a fortnight and your employer $94.23, which is $66.03 after 30% ESCT. ## Canada Work out take-home pay in any province or territory, what an employer deducts from one pay cheque under the CRA's own formulas, income tax by province and your CPP and EI for 2026. Quebec income tax is not covered yet. - [Canadian pay and income tax calculators for 2026](https://takehomeworld.com/canada) - [Canadian Pay & Payroll Calculators 2026](https://takehomeworld.com/canada/pay) - [Income Tax Calculators by Province 2026](https://takehomeworld.com/canada/income-tax) - [Ontario Income Tax Calculator](https://takehomeworld.com/canada/income-tax/ontario): On $80,000 of employment income in Ontario in 2026, federal tax is $9,242.60 and Ontario tax $4,884.79; with $4,446.45 of CPP and $1,123.07 of EI you keep $60,303, an average deduction rate of 24.6%. - [British Columbia Income Tax Calculator](https://takehomeworld.com/canada/income-tax/british-columbia): On $80,000 of employment income in British Columbia in 2026, federal tax is $9,242.60 and British Columbia tax $4,030.54; with $4,446.45 of CPP and $1,123.07 of EI you keep $61,157, an average deduction rate of 23.6%. - [Alberta Income Tax Calculator](https://takehomeworld.com/canada/income-tax/alberta): On $80,000 of employment income in Alberta in 2026, federal tax is $9,242.60 and Alberta tax $4,490.38; with $4,446.45 of CPP and $1,123.07 of EI you keep $60,698, an average deduction rate of 24.1%. - [Manitoba Income Tax Calculator](https://takehomeworld.com/canada/income-tax/manitoba): On $80,000 of employment income in Manitoba in 2026, federal tax is $9,242.60 and Manitoba tax $6,959.18; with $4,446.45 of CPP and $1,123.07 of EI you keep $58,229, an average deduction rate of 27.2%. - [Saskatchewan Income Tax Calculator](https://takehomeworld.com/canada/income-tax/saskatchewan): On $80,000 of employment income in Saskatchewan in 2026, federal tax is $9,242.60 and Saskatchewan tax $6,165.66; with $4,446.45 of CPP and $1,123.07 of EI you keep $59,022, an average deduction rate of 26.2%. - [Nova Scotia Income Tax Calculator](https://takehomeworld.com/canada/income-tax/nova-scotia): On $80,000 of employment income in Nova Scotia in 2026, federal tax is $9,242.60 and Nova Scotia tax $8,748.57; with $4,446.45 of CPP and $1,123.07 of EI you keep $56,439, an average deduction rate of 29.5%. - [New Brunswick Income Tax Calculator](https://takehomeworld.com/canada/income-tax/new-brunswick): On $80,000 of employment income in New Brunswick in 2026, federal tax is $9,242.60 and New Brunswick tax $6,942.41; with $4,446.45 of CPP and $1,123.07 of EI you keep $58,245, an average deduction rate of 27.2%. - [Newfoundland Income Tax Calculator](https://takehomeworld.com/canada/income-tax/newfoundland-and-labrador): On $80,000 of employment income in Newfoundland and Labrador in 2026, federal tax is $9,242.60 and Newfoundland and Labrador tax $7,331.51; with $4,446.45 of CPP and $1,123.07 of EI you keep $57,856, an average deduction rate of 27.7%. - [PEI Income Tax Calculator](https://takehomeworld.com/canada/income-tax/prince-edward-island): On $80,000 of employment income in Prince Edward Island in 2026, federal tax is $9,242.60 and Prince Edward Island tax $7,853.08; with $4,446.45 of CPP and $1,123.07 of EI you keep $57,335, an average deduction rate of 28.3%. - [NWT Income Tax Calculator](https://takehomeworld.com/canada/income-tax/northwest-territories): On $80,000 of employment income in Northwest Territories in 2026, federal tax is $9,242.60 and Northwest Territories tax $4,021.69; with $4,446.45 of CPP and $1,123.07 of EI you keep $61,166, an average deduction rate of 23.5%. - [Nunavut Income Tax Calculator](https://takehomeworld.com/canada/income-tax/nunavut): On $80,000 of employment income in Nunavut in 2026, federal tax is $9,242.60 and Nunavut tax $2,889.05; with $4,446.45 of CPP and $1,123.07 of EI you keep $62,299, an average deduction rate of 22.1%. - [Yukon Income Tax Calculator](https://takehomeworld.com/canada/income-tax/yukon): On $80,000 of employment income in Yukon in 2026, federal tax is $9,242.60 and Yukon tax $4,148.46; with $4,446.45 of CPP and $1,123.07 of EI you keep $61,039, an average deduction rate of 23.7%. - [Salary Calculator Canada](https://takehomeworld.com/canada/pay/salary-calculator): An $80,000 salary in Ontario in 2026 is $60,303 after $14,127.39 of income tax, $4,446.45 of CPP and $1,123.07 of EI: $2,319.35 every two weeks. - [Payroll Deductions Calculator](https://takehomeworld.com/canada/pay/payroll-deductions-calculator): A $3,000 biweekly pay in Ontario from July 2026 has $170.49 of CPP, $48.90 of EI and $521.46 of income tax withheld, so the net pay is $2,259.15. Enter the pay, period and province to see each deduction and the employer's share, computed with the CRA's T4127 formulas that its own calculator and T4032 tables use. - [CPP and EI Calculator](https://takehomeworld.com/canada/pay/cpp-ei-calculator): On $80,000 of earnings in 2026 an employee pays $4,230.45 of CPP plus $216.00 of CPP2 and $1,123.07 of EI, and the employer adds the same CPP and 1.4 times the EI. ## India Plan investments, loans and taxes with calculators built for Indian rules — rupee formatting, lakh/crore, current tax slabs and statutory formulas. - [Finance, tax and salary calculators for India](https://takehomeworld.com/india) - [SIP, FD and SWP Calculators (India)](https://takehomeworld.com/india/investment) - [EMI and Loan Calculators (India)](https://takehomeworld.com/india/loans) - [Income Tax, GST and TDS Calculators (India)](https://takehomeworld.com/india/tax) - [PPF, EPF, NPS and Post Office Calculators](https://takehomeworld.com/india/schemes) - [Planning and Home Loan Calculators (India)](https://takehomeworld.com/india/planning) - [Professional Tax by State (India)](https://takehomeworld.com/india/professional-tax) - [ESI, Notice Period and Pro-rata Calculators](https://takehomeworld.com/india/payroll) - [GST Calculator](https://takehomeworld.com/india/gst-calculator): Enter an amount and a GST rate to get the GST amount, the total, and the CGST/SGST (intra-state) or IGST (inter-state) split. - [SIP Calculator](https://takehomeworld.com/india/sip-calculator): A SIP calculator estimates what your monthly mutual fund investment grows to. - [EMI Calculator](https://takehomeworld.com/india/emi-calculator): EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate and n the number of monthly instalments. - [FD Calculator](https://takehomeworld.com/india/fd-calculator): Most Indian banks compound FD interest quarterly: A = P × (1 + r/4)^(4t). - [Compound Interest Calculator](https://takehomeworld.com/india/compound-interest-calculator): Compound interest grows money on both principal and accumulated interest: A = P(1 + r/n)^(nt). - [In-hand Salary Calculator](https://takehomeworld.com/india/in-hand-salary-calculator): Take-home pay = CTC − employer PF − gratuity − employee PF − professional tax − income tax. - [Income Tax Calculator](https://takehomeworld.com/india/income-tax-calculator): Enter your gross annual income and deductions to compare tax under the new regime (no tax up to ₹12 lakh taxable income thanks to the Section 87A rebate, ₹75,000 standard deduction) and the old regime. - [HRA Calculator](https://takehomeworld.com/india/hra-calculator): HRA exemption is the lowest of: (1) HRA received, (2) rent paid minus 10% of basic + DA, and (3) 50% of basic + DA in metros (Delhi, Mumbai, Kolkata, Chennai) or 40% elsewhere. - [Gratuity Calculator](https://takehomeworld.com/india/gratuity-calculator): For employees covered by the Payment of Gratuity Act, gratuity = last drawn (basic + DA) × 15 × completed years ÷ 26. Service of more than 6 months in the final year rounds up. - [SWP Calculator](https://takehomeworld.com/india/swp-calculator): An SWP withdraws a fixed amount from a mutual fund every month while the rest stays invested. - [Retirement Calculator](https://takehomeworld.com/india/retirement-calculator): Your retirement corpus must fund inflation-adjusted expenses for every year after you stop working. - [PPF Calculator](https://takehomeworld.com/india/ppf-calculator): PPF pays 7.1% a year (Oct–Dec 2026 quarter), compounded annually, on deposits of ₹500 to ₹1.5 lakh per financial year for 15 years. - [NSC Calculator](https://takehomeworld.com/india/nsc-calculator): NSC (VIII issue) pays 7.7% compounded annually and returns everything at maturity after 5 years. - [KVP Calculator](https://takehomeworld.com/india/kvp-calculator): Kisan Vikas Patra doubles your money in a fixed period set by its rate: at 7.5% (October–December 2026) it doubles in 115 months — 9 years and 7 months. - [SCSS Calculator](https://takehomeworld.com/india/scss-calculator): SCSS pays 8.2% a year (October–December 2026), credited every quarter — ₹205 per quarter for each ₹10,000. Deposits run for 5 years with a ₹30 lakh limit per individual. - [Post Office MIS Calculator](https://takehomeworld.com/india/post-office-mis-calculator): POMIS pays 7.4% a year (October–December 2026) as a fixed monthly income for 5 years, then returns your deposit. - [Post Office RD Calculator](https://takehomeworld.com/india/post-office-rd-calculator): The Post Office 5-year RD pays 6.7% (October–December 2026), compounded quarterly. - [Post Office FD Calculator](https://takehomeworld.com/india/post-office-fd-calculator): Post Office time deposits pay 6.9% (1 yr), 7.0% (2 yr), 7.1% (3 yr) and 7.5% (5 yr) for October–December 2026. Interest is calculated quarterly but paid out once a year — ₹771 a year on ₹10,000 for the 5-year deposit. - [RD Calculator](https://takehomeworld.com/india/rd-calculator): Indian banks compound recurring deposit interest quarterly: each monthly instalment earns interest for the months left until maturity. - [Lumpsum Calculator](https://takehomeworld.com/india/lumpsum-calculator): A lumpsum investment grows as FV = P × (1 + r)^n. - [EPF Calculator](https://takehomeworld.com/india/epf-calculator): You and your employer each contribute 12% of basic + DA; up to ₹2,083 a month of the employer's share (8.33% of wages up to ₹25,000) goes to EPS (pension), the rest to EPF. - [VPF Calculator](https://takehomeworld.com/india/vpf-calculator): VPF lets you contribute more than the mandatory 12% of basic to your EPF account, earning the same EPF rate (8.25% for FY 2025-26). - [EPS Pension Calculator](https://takehomeworld.com/india/eps-pension-calculator): EPS monthly pension = pensionable salary × pensionable service ÷ 70. With the ₹25,000 wage ceiling (from 17 September 2026) and 35 years' service the maximum is ₹12,500 a month; you need at least 10 years of service. - [NPS Calculator](https://takehomeworld.com/india/nps-calculator): NPS builds a market-linked corpus until 60. At exit, non-government subscribers must use at least 20% of the corpus (government sector: 40%) to buy an annuity that pays a monthly pension; the rest can be withdrawn. - [Inflation Calculator India](https://takehomeworld.com/india/inflation-calculator): Future cost = today's cost × (1 + inflation)^years. - [Salary Hike Calculator](https://takehomeworld.com/india/salary-hike-calculator): New salary = current salary × (1 + hike% ÷ 100). - [FIRE Calculator India](https://takehomeworld.com/india/fire-calculator): FIRE corpus = annual expenses at your FI date ÷ safe withdrawal rate. - [Rental Yield Calculator](https://takehomeworld.com/india/rental-yield-calculator): Gross rental yield = annual rent ÷ property price × 100. Net yield subtracts maintenance, property tax and vacancy, and adds purchase costs to the price. - [Home Loan Eligibility Calculator](https://takehomeworld.com/india/home-loan-eligibility-calculator): Banks cap all your EMIs at a share of net income (FOIR, often 40–60%). - [Home Loan Prepayment Calculator](https://takehomeworld.com/india/home-loan-prepayment-calculator): A part-prepayment cuts the outstanding principal, so every later month charges less interest. - [STCG Calculator](https://takehomeworld.com/india/stcg-calculator): Gains on listed equity shares or equity-fund units held 12 months or less are short-term and taxed at 20% (sales from 23 July 2024; 15% before), plus 4% cess. - [Professional Tax Calculator](https://takehomeworld.com/india/professional-tax-calculator): Professional tax is a state levy on salaries, capped at ₹2,500 a year by the Constitution. - [TDS Calculator](https://takehomeworld.com/india/tds-calculator): Pick the payment type, enter this payment and the total paid to the same person this year, and see whether TDS applies and how much to deduct. - [Bonus Calculator India](https://takehomeworld.com/india/bonus-calculator): Employees earning up to ₹21,000 a month (basic + DA) get a statutory bonus of 8.33% to 20% of salary, calculated on the lower of actual salary and ₹7,000 or the minimum wage, whichever is higher. - [Simple Interest Calculator](https://takehomeworld.com/india/global/simple-interest-calculator): Simple interest = principal × rate × time ÷ 100, with time in years. - [Overtime Calculator](https://takehomeworld.com/india/global/overtime-calculator): Overtime pay = hourly rate × overtime multiplier × overtime hours. - [Maharashtra Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/maharashtra): Enter your gross monthly salary to see the professional tax your employer deducts in Maharashtra. - [Karnataka Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/karnataka): Enter your gross monthly salary to see the professional tax your employer deducts in Karnataka. - [Gujarat Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/gujarat): Enter your gross monthly salary to see the professional tax your employer deducts in Gujarat. - [Telangana Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/telangana): Enter your gross monthly salary to see the professional tax your employer deducts in Telangana. - [Andhra Pradesh Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/andhra-pradesh): Enter your gross monthly salary to see the professional tax your employer deducts in Andhra Pradesh. - [Tamil Nadu Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/tamil-nadu): Enter your gross monthly salary to see the professional tax your employer deducts in Tamil Nadu. - [West Bengal Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/west-bengal): Enter your gross monthly salary to see the professional tax your employer deducts in West Bengal. - [Madhya Pradesh Professional Tax Calculator](https://takehomeworld.com/india/professional-tax/madhya-pradesh): Enter your gross monthly salary to see the professional tax your employer deducts in Madhya Pradesh. - [ESI Calculator](https://takehomeworld.com/india/payroll/esi-calculator): ESI applies when gross monthly wages are ₹21,000 or less (₹25,000 for persons with disability). - [Notice Period Calculator](https://takehomeworld.com/india/payroll/notice-period-calculator): Enter your resignation date and notice period (e.g. 30, 60 or 90 days, or 1–3 months) to get your last working day. - [Pro Rata Salary Calculator](https://takehomeworld.com/india/payroll/pro-rata-salary-calculator): Pro-rata salary = monthly salary ÷ days in the pay basis × days paid. ### India: worked examples - [₹1,000 a month for 10 years](https://takehomeworld.com/india/sip-calculator/1000-per-month-10-years): Investing ₹1,000 every month for 10 years puts in ₹1.2 lakh. - [₹5,000 a month for 10 years](https://takehomeworld.com/india/sip-calculator/5000-per-month-10-years): Investing ₹5,000 every month for 10 years puts in ₹6 lakh. - [₹5,000 a month for 15 years](https://takehomeworld.com/india/sip-calculator/5000-per-month-15-years): Investing ₹5,000 every month for 15 years puts in ₹9 lakh. - [₹5,000 a month for 20 years](https://takehomeworld.com/india/sip-calculator/5000-per-month-20-years): Investing ₹5,000 every month for 20 years puts in ₹12 lakh. - [₹10,000 a month for 10 years](https://takehomeworld.com/india/sip-calculator/10000-per-month-10-years): Investing ₹10,000 every month for 10 years puts in ₹12 lakh. - [₹10,000 a month for 15 years](https://takehomeworld.com/india/sip-calculator/10000-per-month-15-years): Investing ₹10,000 every month for 15 years puts in ₹18 lakh. - [₹10,000 a month for 20 years](https://takehomeworld.com/india/sip-calculator/10000-per-month-20-years): Investing ₹10,000 every month for 20 years puts in ₹24 lakh. - [₹25,000 a month for 20 years](https://takehomeworld.com/india/sip-calculator/25000-per-month-20-years): Investing ₹25,000 every month for 20 years puts in ₹60 lakh. - [₹5 lakh for 5 years](https://takehomeworld.com/india/emi-calculator/5-lakh-loan-5-years): A ₹5 lakh loan over 5 years costs ₹11,122 a month at 12% interest, with ₹1.67 lakh of interest over the full term. - [₹10 lakh for 5 years](https://takehomeworld.com/india/emi-calculator/10-lakh-loan-5-years): A ₹10 lakh loan over 5 years costs ₹22,244 a month at 12% interest, with ₹3.35 lakh of interest over the full term. - [₹20 lakh for 20 years](https://takehomeworld.com/india/emi-calculator/20-lakh-loan-20-years): A ₹20 lakh loan over 20 years costs ₹17,356 a month at 8.5% interest, with ₹21.66 lakh of interest over the full term. - [₹25 lakh for 20 years](https://takehomeworld.com/india/emi-calculator/25-lakh-loan-20-years): A ₹25 lakh loan over 20 years costs ₹21,696 a month at 8.5% interest, with ₹27.07 lakh of interest over the full term. - [₹30 lakh for 20 years](https://takehomeworld.com/india/emi-calculator/30-lakh-loan-20-years): A ₹30 lakh loan over 20 years costs ₹26,035 a month at 8.5% interest, with ₹32.48 lakh of interest over the full term. - [₹40 lakh for 20 years](https://takehomeworld.com/india/emi-calculator/40-lakh-loan-20-years): A ₹40 lakh loan over 20 years costs ₹34,713 a month at 8.5% interest, with ₹43.31 lakh of interest over the full term. - [₹50 lakh for 20 years](https://takehomeworld.com/india/emi-calculator/50-lakh-loan-20-years): A ₹50 lakh loan over 20 years costs ₹43,391 a month at 8.5% interest, with ₹54.14 lakh of interest over the full term. - [₹1 crore for 20 years](https://takehomeworld.com/india/emi-calculator/1-crore-loan-20-years): A ₹1 crore loan over 20 years costs ₹86,782 a month at 8.5% interest, with ₹1.08 crore of interest over the full term. ## Guides - [What is GST? A Simple Guide for India](https://takehomeworld.com/guides/what-is-gst): Understand GST in India: how CGST, SGST and IGST work, who must register, input tax credit, and worked calculation examples. - [GST Slabs in India](https://takehomeworld.com/guides/gst-slabs-india): The current GST rate structure in India after the September 2025 rationalisation: 5%, 18% and 40% slabs, exempt items and how to find your rate. - [How EMI is Calculated](https://takehomeworld.com/guides/how-emi-is-calculated): The EMI formula explained step by step with a worked home-loan example, and why early EMIs are mostly interest. - [Post Office Small Savings Schemes: Rates & How They Work](https://takehomeworld.com/guides/post-office-savings-schemes): Current interest rates for PPF, NSC, KVP, SCSS, MIS, RD and time deposits for October–December 2026, with how each scheme pays and is taxed. - [EPF, EPS, VPF and NPS: How Your Retirement Savings Work](https://takehomeworld.com/guides/epf-eps-vpf-explained): How your 12% PF contribution and your employer's 12% are split between EPF and EPS, how EPF interest is credited, what VPF adds and how NPS differs. - [Capital Gains Tax on Shares & Equity Funds (FY 2026-27)](https://takehomeworld.com/guides/capital-gains-on-shares): STCG at 20% and LTCG at 12.5% above ₹1.25 lakh on listed shares and equity mutual funds for FY 2026-27, with holding periods and worked examples. - [Payroll Deductions & Statutory Payments in India](https://takehomeworld.com/guides/payroll-deductions-india): Statutory payroll items in India in plain English: PF, ESI, professional tax, TDS, statutory bonus, overtime and pro-rata pay, with current figures. - [How to Calculate Percentages](https://takehomeworld.com/guides/how-to-calculate-percentage): The three percentage formulas you need — X% of Y, X as a percentage of Y, and percentage change — with worked examples for salary hikes and discounts. - [Date & Time Calculations Explained](https://takehomeworld.com/guides/date-calculations-explained): How exact age, day counts, notice periods and timesheet hours are calculated — including leap years, month ends, inclusive counting and night shifts. - [Simple vs Compound Interest — and Why Inflation Matters](https://takehomeworld.com/guides/simple-vs-compound-interest): The difference between simple and compound interest, why compounding frequency matters, and how inflation reduces the real value of your returns. - [Home Loan Planning: Eligibility, Prepayment and Yield](https://takehomeworld.com/guides/home-loan-planning): How banks decide how much you can borrow (FOIR), when part-prepayment saves the most interest, and how to judge a property's rental yield. ## Comparisons - [SIP vs FD: Which Should You Choose?](https://takehomeworld.com/compare/sip-vs-fd): SIP vs fixed deposit compared on returns, risk, liquidity and tax, with calculators to model your own numbers. - [Old vs New Tax Regime](https://takehomeworld.com/compare/old-vs-new-tax-regime): Compare India's old and new income tax regimes: slabs, standard deduction, rebate, allowed deductions, and when each one saves more.