Money and time tools for salaried India
Make the big money calls with confidence.
Free decision tools for your leave, loans, home and pay. Plain answers, rates checked against official sources, and nothing to sign up for.
- Free
- No sign-up
- Your numbers stay on your device
- Rates verified at the source
Leave season
Plan 2027 before your leave calendar fills up
Eleven of the 17 central government holidays in 2027 fall on a weekday, and several sit right next to a weekend. Our leave planner finds the combinations that turn a few days of leave into the longest breaks — and lets you match it to your own company's holiday list.
Open the leave plannerExample from the central list
3 days of leave → 9 days off
20–28 March 2027, for a Monday–Friday week. Holidays: Holi (23rd) and Good Friday (26th). Your company's list may differ; the planner lets you adjust it.
Tools
Pick the decision in front of you
Each tool gets its own page, a short explainer and the date its figures were last checked.
Leave planner 2027
Turn your leave days into the longest possible breaks, using central, state or your own company's holidays.
Live · verified 12 Nov 2026Prepay the loan or invest?
See which path leaves you richer: closing your loan early or investing the extra money.
Coming January 2027Rent or buy?
Compare owning against renting and investing the difference, after stamp duty, upkeep and tax on sale.
Coming January 2027CTC to in-hand, and your hike
What actually reaches your account each month, under the old and new tax regimes.
Coming February 2027, after the BudgetBudget planner
Daily, monthly and yearly costs in one place, with your savings rate worked out for you.
Coming soonCompany car lease or bank loan?
Compare a salary-linked car lease with a regular car loan, including tax and the resale value.
Coming soonCurrent rates
The numbers that matter right now
Checked against official sources. Every tool on the site uses these same figures.
New tax regime slabsTax year 2026-27 · Income-tax Act, 2025
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Salaried: standard deduction of ₹75,000. A rebate makes tax nil on total income up to ₹12,00,000. Budget 2026 left these slabs unchanged. Cess and surcharge not shown.
Small savings rates1 Oct – 31 Dec 2026
| Senior Citizens Savings Scheme | 8.2% |
| Sukanya Samriddhi | 8.2% |
| NSC | 7.7% |
| 5-year time deposit | 7.5% |
| Kisan Vikas Patra | 7.5% |
| Monthly Income Scheme | 7.4% |
| PPF | 7.1% |
| 5-year recurring deposit | 6.7% |
Privacy
Your numbers never leave your phone
Calculated on your device
Every tool runs in your browser. Your salary, loan and savings figures are never sent to us.
No account, no sign-up
There's nothing to register for and nothing about you to store.
Gone when you close the tab
We don't remember your inputs or settings after your visit. Ads may set their own cookies; our privacy policy explains what they do.
How we check our numbers
Official sources, dated and linked
Money decisions are only as good as the figures behind them, so we never work from memory or old articles.
Official sources only
Tax slabs from the Income-tax Act and Budget, savings rates from Ministry of Finance notices, holidays from DoPT and state orders.
A date on every figure
Each tool shows when we last verified it, and links to the document we checked.
Updated when rules change
After every Budget and every quarterly rate decision, we recheck the shared figures that all our tools use.
FAQ
Questions people ask
Is Salarist really free?
Yes. Every tool is free to use with no sign-up. The site is supported by ads and clearly labelled sponsored links.
Do you store the numbers I enter?
No. Calculations run in your browser. Your salary, loan and other figures are never sent to us or saved. Ad partners may set their own cookies, which our privacy policy explains.
Where do your tax rates and interest rates come from?
From official sources such as Ministry of Finance notifications, the Income-tax Act, 2025 and DoPT holiday orders. Each tool shows the date we last verified its figures and links to the source.
Is this financial advice?
No. Salarist gives you estimates and comparisons to help you decide. For decisions specific to your situation, speak to a qualified tax or financial adviser.
Does the leave planner work for private companies?
Yes. It starts from the central and state government holiday lists, and you can add or remove days to match your own company's holiday calendar.