About Us

What we do

PayClever (payclever.in) is a free set of calculators for people in India who earn a salary, freelance, or invest — in-hand salary, old vs new tax regime, RSU and ESOP tax, home and car loan EMIs, SIP, FD, PPF, NPS, EPF, retirement and FIRE planning, GST, and TDS. Each one is meant to answer one plain question: what does this number actually mean for me?

There is no login, and your inputs are processed in your browser. See our privacy policy for the details.

How we keep the numbers right

Every calculator runs on one shared calculation engine, built around the current financial year's published rules (FY 2026-27 at the time of writing). Our methodology page explains the formulas and sources, and the engine is checked against hand-calculated examples every time it changes. Tax rules change — the most recent change we have reflected is the extension of the 50% HRA ceiling to eight metro cities from 1 April 2026. We re-check rates and thresholds after each Budget and when regulators change them.

Found a figure that looks wrong? Please tell us through the Contact Us page, with the calculator, your inputs, and the source you are comparing against. We fix verified errors promptly.

How we make money

The calculators are free. Some pages offer an optional way to talk to a tax or wealth professional, and some contain partner links. Partner link — PayClever may earn a commission if you sign up through this link. This never affects our calculations or editorial content.

What we are not

PayClever gives you an informational estimate, not tax, legal, or financial advice — check with a professional before acting on it.

Results are estimates based on the inputs and assumptions shown on each page. Your actual tax depends on your full circumstances, your employer's payroll treatment, and rules that may have changed after we last updated.