Guides
In-depth walkthroughs with worked examples — for quick definitions, see the explainers on the calculator page.
Old vs New Tax Regime: Worked Examples at ₹15L, ₹25L, and ₹40L CTC
Which regime actually wins changes as your CTC grows. Three full worked examples show exactly where the crossover happens and why.
CTC to In-Hand: A Complete Worked Breakdown for a ₹20L Offer
Every deduction between your CTC and your bank account, worked through rupee by rupee for a real offer — so you know what to expect before your first payslip.
What Is Your Gratuity Really Worth? A Long-Term Example
Gratuity looks small on a monthly payslip because you never see it — here's what it actually adds up to after 5, 10, and 20 years at the same company.
HRA Exemption: A Worked Example, Metro vs Non-Metro
The same salary and the same rent produce a different tax bill depending on which city you live in. Here's exactly how much that city difference is worth.
Is Employer NPS Worth It?
A side-by-side comparison of the same offer with and without an employer NPS contribution — the real rupee difference, not just the rule.
ESOPs vs RSUs: How Each Is Actually Taxed
Stock-based pay is taxed twice, at different points, for different amounts, depending on which one you have. A side-by-side breakdown of both.
How Much Tax Can You Actually Save in the Old Regime? Every Deduction, Stacked
HRA, EPF, NPS, health insurance, home loan interest, and more — what each one is worth on its own, and what claiming all of them together really saves versus the New Regime.