SalaryBit
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Salary Tools
๐Ÿ’ฐSalary Calculator ๐Ÿ“‹Old vs New Tax Regime ๐Ÿ›ก๏ธInsurance Planner โš–๏ธLabour Code Impact ๐Ÿ›๏ธEmployee Rights
๐Ÿค– AI Tools
๐ŸงพTax AI โ€” Form 16 & AIS Analysis ๐ŸงฎFix Your Finance โ€” Debt Clarity ๐ŸฆPatience Passbook โ€” Loan Closure Planner ๐Ÿ˜๏ธHoskote Classifieds ๐Ÿ›ก๏ธTax Notice Shield ๐ŸฅInsurance Mitra ๐Ÿ“„PDF Signature Validator ๐Ÿ”Subscription Leak Finder ๐Ÿ“ฑe-Khata QR Decoder ๐Ÿ“ŠMF Analyzer Bot ๐Ÿ“”Family Passbook โ€” In Case of Emergency ๐ŸงพHousehold Expense Bill Generator ๐Ÿช™Crypto AI Picks โ€” Live Binance Signals
๐ŸŒŸ Community
๐ŸขFor Employers (Bulk Access)
Financial Tools
๐Ÿ Home Loan EMI ๐Ÿ“ŠSIP Calculator ๐Ÿ–๏ธRetirement Planner ๐ŸฆEPF / PF ๐Ÿ’ตFD Calculator ๐Ÿ“‹Notice Pay
Tax
๐Ÿ“ˆShare & Capital Gains Tax ๐ŸขESOP Tax
More Tools
๐ŸงพGST Calculator ๐Ÿ›๏ธProfessional Tax
๐Ÿ“„ Dedicated Tool Pages
๐Ÿ’ฐSalary Calculator Guide ๐Ÿ“‹Old vs New Tax Regime ๐Ÿ“ˆCapital Gains Tax ๐ŸขESOP / RSU Tax ๐Ÿ†Gratuity Calculator ๐Ÿ“‹Notice Period ๐Ÿ Home Loan EMI ๐Ÿ“ŠSIP Calculator ๐Ÿ’ตFD Calculator ๐Ÿ–๏ธRetirement Planner ๐ŸฆEPF / PF ๐Ÿ“ŠSalary Hike ๐ŸงพGST Calculator ๐Ÿ›๏ธProfessional Tax
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๐Ÿ“Salary Blog & Guides โœˆ๏ธTravel Rewards Advisor โ„น๏ธAbout SalaryBit
๐Ÿ’ฐSalary ๐ŸงฎTools ๐Ÿ“ˆTax ๐Ÿค–AI Tools
๐Ÿ‘ฅ โ€” people used SalaryBit today ยท ๐Ÿ”’ Zero data collected ยท All calculations run in your browser
๐Ÿ“Š
Your results will appear here

Fill in your salary slip details and click
Calculate my take-home

๐Ÿค– Powered by AI

AI Tools & Community Products

CA-level tax analysis, notice decoder, insurance advisor, document validator โ€” everything you need for your salary and taxes.

๐Ÿงพ
AI Tax Analyser

SalaryBit Tax AI

Upload your Form 16 & AIS. Get a CA-level breakdown โ€” HRA exemptions, ESOP tax, advance tax schedule, ITR filing tips.

Form 16 Analysis AIS Summary ESOP / RSU Tax
Instant ยท No CA needed Try Tax AI โ†’
๐Ÿงฎ
AI Debt Advisor

Fix Your Finance

List every loan and card you owe. Get a clear debt clarity passbook โ€” what to pay off first, interest you're bleeding, and a payoff plan.

Debt Payoff Plan Loan Prioritisation Interest Savings
Get debt-free faster Fix My Finance โ†’
๐Ÿ›ก๏ธ
AI Notice Decoder

Tax Notice Shield

Got an Income Tax notice? Get a plain-language explanation, the action required, and a draft response โ€” instantly.

Sec 143(1) Sec 148/148A Defective Return
Know your rights ยท Act fast Decode Notice โ†’
๐Ÿฅ
AI Insurance Advisor

Insurance Mitra

Personalised term & health insurance recommendations based on your age, income and family โ€” no jargon, no pressure.

Term Insurance Health Insurance 80C / 80D Savings
Personalised ยท Unbiased Talk to Mitra โ†’
๐Ÿ“„
Document Tool ยท Free

PDF Signature Validator

Verify digital signatures on salary slips, Form 16, offer letters and any signed PDF โ€” private, instant, all in your browser.

Digital Signatures Form 16 Verify 100% Private
No upload to server Validate PDF โ†’
๐Ÿ”
Money Saver ยท New

Subscription Leak Finder

Find UPI AutoPay and bank subscriptions you forgot about. Free NPCI check, or upload your statement for a full scan.

UPI AutoPay Free Check Bank Statement Scan
Stop the leaks today Find My Subscriptions โ†’
๐Ÿ“ฑ
Document Tool ยท New

e-Khata QR Decoder

Extract the raw digital signature string from the QR code on e-Khata, BBMP & BBSCC PDFs โ€” for property verification, bank loans, or Kaveri Online.

e-Khata / BBMP Property Verify โ‚น49
Works on all govt. PDFs Decode My QR โ†’
๐Ÿ“Š
Investing ยท New

MF Analyzer Bot

Your complete AI investment advisor โ€” analyse mutual fund portfolios, get fund recommendations, and ask investing questions in plain language.

Portfolio Analysis AI Chat Fund Recommendations
Invest smarter Analyze My Funds โ†’
๐Ÿ“”
Family Planning ยท New

The Family Passbook

A free, private "in case of emergency" document โ€” so your family knows every account, policy and document without you having to be there to explain it.

No numbers or passwords stored Nothing saved online Print or save as PDF
20 min ยท 100% private Fill My Passbook โ†’
๐Ÿงพ
Household Finance ยท New

Household Expense Bill Generator

Log daily, weekly or monthly household expenses and turn them into a clean, itemized bill you can share on WhatsApp in under a minute.

WhatsApp Ready Free, No Signup Nothing Stored Online
Settle up in under a minute Generate My Bill โ†’
๐Ÿช™
Crypto ยท New

Crypto AI Picks

Live bullish signals, volume leaders and sentiment across every USDT pair on Binance โ€” computed transparently from real market data, updated in real time.

Live Binance Data All USDT Pairs Free
No login ยท Not financial advice View AI Picks โ†’
๐Ÿ”’ Your documents stay private โšก Instant AI-powered analysis ๐Ÿ‡ฎ๐Ÿ‡ณ Built for Indian tax laws ๐Ÿ‘ฅ โ€” people used SalaryBit today
๐Ÿ“„ Dedicated Tool Page

๐Ÿ“ˆ Capital Gains Tax on Shares

Indian ๐Ÿ‡ฎ๐Ÿ‡ณ ยท US ๐Ÿ‡บ๐Ÿ‡ธ ยท Euro ๐Ÿ‡ช๐Ÿ‡บ shares. STCG, LTCG, DTAA auto-applied. Budget 2024 rates. Advance tax schedule.

Open Calculator โ†’
STCG 20% โ€” Listed equity held <12 months
LTCG 12.5% โ€” Listed equity held >12 months (โ‚น1.25L exempt)
DTAA Relief โ€” US & EU foreign tax credit auto-applied
Advance Tax Schedule โ€” 4 installment dates auto-calculated
๐Ÿ“„ Dedicated Tool Page

๐Ÿข ESOP / RSU Tax Calculator

Indian ๐Ÿ‡ฎ๐Ÿ‡ณ ยท US ๐Ÿ‡บ๐Ÿ‡ธ ยท Euro ๐Ÿ‡ช๐Ÿ‡บ ESOPs. Section 17(2) perquisite + capital gains at sale. Full DTAA relief.

Open Calculator โ†’
Stage 1 โ€” At Vesting Perquisite taxed at slab under Sec 17(2)
Stage 2 โ€” At Sale LTCG / STCG on gain from FMV to sale price
DTAA + Form 67 Foreign tax credit auto-calculated
Startup Deferral Sec 192(1C) 48-month TDS deferral flag

About SalaryBit: Financial Intelligence for India

Managing your finances as an Indian professional requires more than just a basic spreadsheet. With the New Labour Code 2020 coming into effect, your 'Basic Pay' structure will change, impacting your Provident Fund (PF) and Gratuity. SalaryBit provides a transparent, free tool to visualize these changes.

Old vs New Tax Regime for FY 2026-27

The Union Budget has made the New Tax Regime the default choice. However, for those with significant investments in 80C, 80D, or Home Loans, the Old Regime may still offer better savings. Our calculator performs a side-by-side comparison to ensure you pick the right one before the tax-filing deadline.

ESOP and Share Taxation

For employees at startups or MNCs, ESOPs and RSUs are a major part of wealth. We help you calculate the Perquisite Tax at exercise and the Capital Gains Tax at sale, including DTAA benefits for foreign shares from the US and Europe.

Your Labour Rights

Beyond salary calculations, SalaryBit helps you understand your rights as a salaried employee โ€” from gratuity entitlement and notice pay to what happens if you're terminated without cause. Knowledge of the Industrial Disputes Act and the new Code on Industrial Relations, 2020 is essential for every professional.

๐Ÿ› ๏ธ Free Financial Tools

More tools for everyday finance

Quick calculators covering loans, investments, PF, gratuity, salary hike impact, notice pay and more โ€” all free, no login needed.

๐Ÿ 
Home Loan EMI
Monthly EMI, total interest & repayment
๐Ÿ“ˆ
SIP Calculator
See your monthly SIP grow into wealth
๐Ÿ’ต
FD Calculator
Maturity value on fixed deposits
๐Ÿš—
Car Loan EMI
Monthly EMI on your car loan
๐Ÿ–๏ธ
Retirement Planner
Plan your retirement corpus
๐Ÿ†
Gratuity Calculator
5-year gratuity entitlement
๐Ÿ“Š
Salary Hike Calculator
New CTC after a hike %
๐Ÿฆ
EPF / PF Calculator
PF corpus growth over time
๐Ÿ“‹
Notice Period Calculator
Notice pay owed or buyout cost
๐Ÿงพ
GST Calculator
Add or remove GST from an amount
๐Ÿ›๏ธ
Professional Tax
State-wise professional tax
โš–๏ธ
Labour Code Impact
Basic wage rule, PF & gratuity impact
๐Ÿ›๏ธ
Employee Rights
Termination dues & legal rights
๐Ÿ“ˆ
Capital Gains Tax
Stocks & mutual fund tax
๐Ÿข
ESOP / RSU Tax
Section 17(2) perquisite tax
๐Ÿ“‹
Old vs New Regime
Compare tax regimes side by side
๐Ÿ’ฐ
In-Hand Salary
CTC to take-home breakdown
๐Ÿงฎ
Fix Your Finance
List every loan, see what to pay off first
๐Ÿ“ Salary & Finance Blog

Guides & How-To Articles

Practical tips on tax, salary, tools and everyday finance for Indian professionals.

View all posts โ†’
๐Ÿ†• NEW

The Free Tool That Turns Your Household Expenses Into a Clean, Shareable Bill

A free Household Expense Bill Generator that turns your daily, weekly, or monthly spending into a clean, itemized bill you can share on WhatsApp in under a minute.

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50 Small Business Ideas With Low Investment (2026)

50 low-investment small business ideas for anyone who

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The Man Who Stopped Opening His Own Front Door

Home loan, sister

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The โ‚น50 Lakh Question: Close the Loan or Let It Grow?

A real Bengaluru family had โ‚น50 lakh and a home loan. Close it, or invest it? The math, the traps, the safety net โ€” and four free calculators to run your own numbers.

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How Many People Actually Have โ‚น1 Crore Term Insurance?

Why ULIPs and LIC endowment plans get sold instead of pure term insurance, why age is the biggest cost driver, and a live calculator to see what your age costs you today.

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From a Savings Passbook to a โ‚น1.6 Crore Plot: A Hoskote Real Estate Story

She never bought a single mutual fund. She saved instead, then bought a plot in Hoskote for โ‚น3,500/sqft, survived a construction nightmare, and watched it grow into a โ‚น1.6 crore G+2 property. A real story about savings,

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Army soldier salary in India 2026

Complete guide to Army soldier salary in India 2026. Real salary data, tables and tips for Indian professionals.

๐Ÿ†• NEW

How to Calculate In-Hand Salary in India (FY 2026-27)

Learn exactly how to calculate your in-hand salary in India for FY 2026-27. Understand CTC, deductions, PF, TDS, and what actually reaches your bank account.

๐Ÿ†• NEW

Old vs New Tax Regime India (FY 2026-27): Which is Better for You?

Compare the Old and New Tax Regimes for FY 2026-27 in India. Find out which regime saves you more tax based on your salary, deductions, and investments.

๐Ÿ†• NEW

CTC vs Gross Salary vs Net Salary: What's the Difference?

Confused about CTC, Gross Salary, and Net Salary? This guide explains all three terms clearly with examples, so you know exactly what your offer letter means.

๐Ÿ†• NEW

How to Read Your Salary Slip in India: A Complete Guide

Understand every component on your Indian salary slip โ€” Basic, HRA, PF, TDS, Professional Tax and more. A simple, complete guide for salaried employees.

๐Ÿ†• NEW

EPF / PF Explained: How Provident Fund Works for Salaried Employees in India

Everything salaried employees need to know about EPF in India โ€” contributions, interest rate, withdrawal rules, UAN, and how PF affects your in-hand salary.

๐Ÿ†• NEW

HRA Exemption: How to Calculate & Claim House Rent Allowance in India

Learn how HRA exemption works in India under the Old Tax Regime. Calculate your HRA exemption correctly, know what documents you need, and maximise your tax savings.

๐Ÿ†• NEW

How to Negotiate Salary in India: A Practical Guide for Salaried Professionals

Step-by-step salary negotiation guide for Indian professionals. Learn how to ask for a hike, what to say, how to counter offers, and maximise your CTC.

๐Ÿ†• NEW

New Labour Code 2026: How It Changes Your Salary, PF & Gratuity

India

๐Ÿ†• NEW

EGR Gold: What Is It & How Can You Benefit?

NSE launched Electronic Gold Receipts (EGR) on 4 May 2026. Learn what EGR gold is, how it works, its tax benefits, and how it compares to Gold ETFs and physical gold โ€” for Indian salaried investors.

๐Ÿ†• NEW

Average Salary in India by Profession 2026 - SalaryBit

A comprehensive guide to average salaries in India by profession for the year 2026, including top-paying jobs and lowest-paying jobs. Get insights into India

๐Ÿ†• NEW

What Happens to Your Family's Money If You're Suddenly Not There?

A free, private Family Passbook tool to record where your bank accounts, insurance, loans and documents are โ€” so your spouse isn

๐Ÿ†• NEW

How to Recharge Depleted Borewells Using Rainwater | Hoskote Bangalore 2026

Borewells going dry in Hoskote, Bangalore? Step-by-step guide to harvest monsoon rainwater and push it back underground. Costs, methods, BWSSB guidelines, and real results for residential layouts.

๐Ÿ†• NEW

How to Apply for e-Khata (e-Aasthi) Online in Karnataka – Step-by-Step Guide

Complete step-by-step guide with actual portal screenshots to apply for e-Khata online in Karnataka via the e-Aasthi (KMDS) portal.

๐Ÿ†• NEW

How to Apply E-Khata for Panchayat Limit Through E-Swathu 2.0 | Complete Step-by-Step Guide 2026

Learn how to apply for E-Khata (eKhata) for panchayat limit properties through E-Swathu 2.0 portal in Karnataka. Complete step-by-step guide with screenshots for 2026.

๐Ÿ†• NEW

EPF withdrawal process India 2026

Complete guide to EPF withdrawal process India 2026. Real salary data, tables and tips for Indian professionals.

๐Ÿ†• NEW

Flats in Hoskote Bangalore 2025 โ€“ Real EMI, GST & Salary Affordability Guide

Can your salary afford a flat in Hoskote Bangalore? Real EMI, GST and loan math for every project in 2025. Sowparnika Whispering Petals honest review, resale value, negotiation tips. SalaryBit.in โ€” India

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Gratuity calculation formula India

Complete guide to Gratuity calculation formula India. Real salary data, tables and tips for Indian professionals.

๐Ÿ†• NEW

How to Automate Job Applications Using AI Agent (Free) โ€” Career-Ops + Gemini

Step-by-step guide to automate job applications using Career-Ops and free Gemini AI. Evaluate 700+ jobs, generate tailored CVs, and apply smarter โ€” completely free for Indian job seekers.

๐Ÿ†• NEW

How to Calculate Take Home Salary in India

Learn how to calculate your take home salary in India, considering income tax, deductions, and more. Get a clear understanding of your actual income with our step-by-step guide.

๐Ÿ†• NEW

How to Decode e-Khata QR String in India 2026

Step-by-step guide to decode the QR string in your BBMP or BBSCC e-Khata document. Learn what the QR string means, why banks need it, and how to extract it instantly online.

๐Ÿ†• NEW

Income Tax Slab 2026-27 India

Understand the new income tax slabs for 2026-27 in India, including tax rates and salary thresholds, to plan your finances effectively.

๐Ÿ†• NEW

Insurance Mitra: Helping the Common Man Fight Back โ€” Insurance Mitra Blog

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How I Renewed My Expired Driving Licence in Karnataka | A Real Experience Guide

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Layoff compensation India 2026

Complete guide to Layoff compensation India 2026. Real salary data, tables and tips for Indian professionals.

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Laid Off? Here's Exactly What To Do โ€” Step by Step

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Free AI Courses 2026: The Complete Step-by-Step Roadmap to Learn AI (+ Build Your First AI Product)

A free, step-by-step roadmap to learn AI in 2026 โ€” from total beginner to building your own AI product. Real courses, real links, zero cost. Made for students and salaried professionals.

๐Ÿ†• NEW

Nurse Salary in India: Government vs Private - SalaryBit

Nurse salaries in India: Compare government and private sector salaries. Know the highest paying jobs, average salaries, and growth opportunities in the nursing profession in India.

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PAN card apply online India guide

Complete guide to PAN card apply online India guide. Real salary data, tables and tips for Indian professionals.

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PF Deduction Calculation Guide India

Learn how to calculate PF deduction in India, including salary bands, employer contributions, and employee contributions with real-life salary examples.

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Police constable salary state wise India

Complete guide to Police constable salary state wise India. Real salary data, tables and tips for Indian professionals.

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Software engineer salary Hyderabad vs Bangalore

Complete guide to Software engineer salary Hyderabad vs Bangalore. Real salary data, tables and tips for Indian professionals.

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SubScan โ€” India Subscription Manager

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Build a Webhook Automation Agent with Zapier, Email & Telegram

Step-by-step guide to build a no-code webhook automation that captures user data, stores it in Zapier Tables, and sends instant Email + Telegram notifications. Zero coding required.

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Wipro salary hike 2026

Complete guide to Wipro salary hike 2026. Real salary data, tables and tips for Indian professionals.

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The House Always Gets Its Cut

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Why Your โ‚น300 Recharge Quietly Became โ‚น400 โ€” The Hidden Math

Your

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25 Business Ideas You Can Start With a Government Loan in India (2026)

30+ low-cost business ideas that qualify for PMEGP, Mudra, Stand-Up India, PM Vishwakarma and agri-business loans โ€” with official application websites, interest rates, step-by-step process, and options for students and a

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Ravi Is 40, Has Zero Investments, and Wants One Thing: Peace of Mind

A 40-year-old with no investments, no insurance, and a layoff notice does the math on what 60 more years actually costs โ€” and what it takes to build real financial peace from zero.

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The Locker: Why Every Homemaker Needs Her Own Term Insurance

Most homemakers in India have gold, not insurance. Here's why she needs her own term cover, how premiums and sum assured actually work, and a step-by-step guide to buying it.

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How to Cancel Your OTT Subscription โ€” A Simple Guide for Everyone

Netflix, Hotstar, Aha, SonyLIV, Zee5 โ€” if you're paying for an app you don't watch anymore, here's exactly how to stop it. No tech knowledge needed.

Fix: Email Button Opens Internet Explorer or Outlook Instead of Browser

Clicking an email link and getting the wrong app? Learn how to fix the default mailto handler so it opens Gmail, Outlook Web, or your preferred browser instead of IE or the desktop Outlook app.

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Best Credit Card in India 2026: Zero to Free International Travel

From no card to earning free flights โ€” HDFC Millennia RuPay setup, Axis Atlas devaluation explained, and why HSBC TravelOne is the new king of miles transfer for India's middle class.

๐ŸŽก Spin for a Money Tip

One click. One tip. Maybe your favourite new tool.
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