Citizens Calcultor

Leave Encashment Calculator Leave encashment tax exemption isn’t a flat percentage – for private-sector employees, it’s the smallest of four separate numbers. Enter your details below to see your exempt and taxable amount, and exactly which of the four rules limits you. Employee Category Private / Non-Government Central / State Government When Is This Being … Read more

Home Loan Eligibility Calculator Banks don’t lend based on how much house you want – they lend based on how much EMI your income can safely absorb. This calculator uses the same FOIR method Indian banks apply, factors in your existing loans and age, and tells you the maximum home loan you’re realistically likely to … Read more

Health insurance premiums don’t scale the way most people expect – a Rs 1 crore cover often costs only marginally more than a Rs 10 lakh cover for the same person, since claim probability doesn’t rise proportionally with sum insured. This calculator uses that real, non-linear pricing pattern rather than a naive per-lakh multiplication. Policy … Read more

Simple Interest Calculator Simple interest is the most straightforward way money grows or a loan costs – it’s always calculated on your original amount, never on interest you’ve already earned or owed. Enter your numbers below to see the exact interest and total amount. Deposit / Investment Loan Principal Amount (Deposited) Please enter an amount … Read more

Personal Loan Eligibility Calculator Personal loans are unsecured, so lenders lean harder on two methods to size you up: how much of your income they’re willing to absorb (FOIR), and a flat multiple of your salary (the multiplier method). Whichever gives the smaller number usually wins this calculator runs both and shows you the real … Read more

Stock Average Calculator Buying a stock multiple times at different prices can make it difficult to know your real breakeven point. This Stock Average Calculator helps you calculate your exact weighted average share price, total investment, profit/loss, and even estimate how many additional shares you need to buy to reach a target average cost. Your … Read more

Salary Calculator: CTC to In-Hand Salary FY 2026-27 Your CTC and your in-hand salary are almost never the same number. This calculator breaks your annual CTC into its actual components and shows exactly what lands in your bank account every month, after PF, professional tax, and income tax. Your CTC and Structure Annual CTC (Cost … Read more

Gratuity Calculator Gratuity is a one-time payment your employer owes you for long service – and unlike a bonus, it’s governed by a fixed legal formula, not company discretion. Enter your last drawn salary and years of service to see exactly what you’re owed, and how much of it stays tax-free. Last Drawn Monthly Salary … Read more

Atal Pension Yojana (APY) Calculator APY doesn’t run on a formula you calculate yourself, the government has already fixed exactly what you pay for every age and every pension amount, in an official chart. Pick your age and how much monthly pension you want from 60 onward, and this tool looks up your exact contribution … Read more

Income Tax Calculator FY 2026-27 Enter your income once and see your tax under both the old and new regimes side by side, with a clear answer on which one actually saves you more money this year. Your Income and Profile Gross Annual Income (All Sources, Before Any Deduction) I am salaried or a pensioner … Read more