Compare Job Offers, Prepay vs Invest & Salary Calculators
SmartPaisa Tools empowers smarter money decisions for working Indians. Compare job offers by net in-hand cash, analyze home loan prepayment vs mutual fund investing, and compute salary breakups under Union Budget tax rules.
Job Offer Comparison Calculator
Compare 2-3 job offers side-by-side by net in-hand cash, FY 2026-27 tax deductions, city cost-of-living purchasing power, and risk-adjusted ESOP values.
Compare Job Offers Now →Prepay Home Loan vs Invest Calculator
Calculate whether prepaying your home loan or investing in equity mutual funds/SIP yields higher wealth, featuring break-even interest rate math.
Analyze Prepay vs Invest →CTC to In-Hand Salary Calculator
Find out exactly how much monthly cash will be credited to your bank account from your annual CTC offer under FY 2026-27 tax rules.
Calculate In-Hand Cash →Comparative Analysis & Offer Verdict
All Financial Calculators & Document Generators
Rebuilt to full content depth — live calculations, plain-language formula explanations, worked rupee examples, and tax citations.
Income Tax Calculator (FY 2026-27)
Compare Old vs New Tax Regime side-by-side with ₹75,000 standard deduction.
🏠Loan EMI Calculator
Calculate monthly EMI and total interest for home, car, and personal loans.
📈SIP Wealth Calculator
Calculate mutual fund compounding growth and inflation-adjusted corpus.
🏦FD Calculator
Calculate fixed deposit maturity amount with quarterly compounding and TDS.
🛡️PPF Calculator
Calculate 15-year tax-free Public Provident Fund maturity corpus at 7.1%.
👵NPS Pension Calculator
Calculate age 60 retirement corpus, 60% lump sum exit, and monthly pension.
🧾GST Calculator
Calculate GST inclusive/exclusive amounts and CGST/SGST split.
📊ROI & CAGR Calculator
Calculate Return on Investment, annualized CAGR %, and inflation-adjusted profit.
🛡️Term Insurance vs ULIP Calculator
Compare Buy Term & Invest Difference (BTID) against ULIP returns & charges.
🏦FD vs RD Calculator
Compare lump sum Fixed Deposits against monthly Recurring Deposits compounding.
🩺Financial Health Score
Assess your personal 0-100 score across savings rate, emergency runway, DTI, & life cover.
📄Salary Slip Generator
Generate and print free monthly payslips with EPF, HRA, and tax breakdowns.
🏠Rent Receipt Generator
Generate official rent receipts with landlord PAN for HRA tax exemption proof.
💼GST Invoice Generator
Create printable GST-compliant invoices for freelancers and small businesses.
✍️Number to Words Converter
Convert numeric amounts to Indian English currency words (Lakhs & Crores).
Transparent Math & Authoritative Data Sources
SmartPaisa Tools details every calculation formula used across our financial decision tools, verified against official Indian government portals.
Income Tax Slabs FY 2026-27
Verified against official rules from the Income Tax Department of India and EPFO.
Prepay vs Invest Break-Even
Loan rate thresholds aligned with floating rate guidelines issued by the Reserve Bank of India (RBI).
City Cost-of-Living Adjustment
Purchasing power index normalized against Tier-2 baseline using Numbeo Cost-of-Living Index statistics.