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Calculate In-Hand
Live tools
Salary calculatorCTC → monthly take-homeCompare offersTwo or three offers, one answerEquityESOP exercise, sale, lifecycleFreelance44ADA vs salariedNegotiateCounter-offers and walk-away
Coming soon
Appraisal · soonDecode the hike letter
Tax · soonRestructure every lever
Notice · soonServe vs. buy out
Market · soonAnonymous salary data
Learn
ESOP tax guideExercise, sale, lifecycleOld vs new regimeThe break-even and how to chooseRestructuring guideNPS, LTA, food card — what moves the needleForm 16 explainedWhat every part actually meansVariable pay taxationHow your bonus is actually taxedPF opt-outWhen it makes sense and what it costsSalary negotiationThe math before the offer callNotice period buyoutTax and financial mathCity salary comparisonWhat ₹25L buys across 5 citiesITR filing FAQWhich form, deadline, refunds — answeredFreelance 44ADAPresumptive taxation, when it pays

Changelog

All updates to Unpakk tools, engines, and tax data.

Tax calculations are verified against incometax.gov.in after every update.

May 2026

Unpakk Appraisal — launched

Decode your appraisal letter. Enter old CTC and new CTC — see a side-by-side breakdown of where the hike actually went: take-home, tax, PF, or just inflated CTC components. Quick 2-field mode for fast checks, expandable structure fields for precision.

Unpakk Negotiate — launched

Generate negotiation scripts for three scenarios: counter-offer, salary raise, and notice period buyout. Each scenario produces a ready-to-send email with your real numbers baked in. Copy to clipboard, customize, send.

Unpakk Freelance — launched

Compare salaried vs freelance/consulting paths. Covers 44ADA and 44AD presumptive schemes, GST registration thresholds, advance tax schedule, hidden costs (health insurance, no PF, no paid leave), and a breakeven calculator that tells you the exact billing rate where going independent beats your current CTC.

Unpakk Equity — launched

ESOP and equity tax calculator covering exercise tax (perquisite), sale tax (capital gains), and full lifecycle view. Supports listed companies, unlisted startups, and Section 80-IAC eligible startups. Includes deferral analysis and exercise timing scenarios.

Unpakk Salary — multi-offer compare

Compare up to 3 job offers side by side. Different cities, salary structures, variable pay percentages — all normalized to monthly in-hand after tax.

April 2026

Unpakk Salary — launched

CTC to in-hand calculator for Indian salaried professionals. FY 2025-26, both old and new tax regimes. Features: CTC/gross toggle, city-based professional tax and HRA, PF configuration, variable pay, restructuring tips with HR email scripts.

Tax engine — verified

Core tax engine (tax-engine.ts) verified 6/6 against incometax.gov.in for FY 2025-26. Covers: new regime slabs with ₹75K standard deduction, Section 87A rebate with marginal relief, 80CCD(2) NPS at 14% for new regime, education cess at 4%, surcharge tiers.

Format

Entries are grouped by month. Each entry names the tool (using Unpakk’s naming convention), describes what shipped, and notes any tax law or verification changes. No version numbers — tools are continuously updated.